Essent Group Ltd Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.3B+6.4% YoYTTM through 30 Jun 2026
Net Income $680.7M-6.7% YoYTTM through 30 Jun 2026
Free Cash Flow $825.9MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 62.0% |
| Net Margin | 51.5% |
Returns
12.1%ROE
9.0%ROA
11.2%ROIC
Balance Sheet Health
Debt / Equity0.09x
Net Debt-$1.4Bnet cash position
Cash & Equivalents$74.3M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin62.4%
Rule of 4063.4
Earnings-Beat Rate50.0%
Multi-Year Trend
RevenueFY2025: $1.3B
Diluted EPS$7.17TTMFY2025: $6.90
Dividend
$0.70Per share, FY20261.07%Yield1 yrsStreak0.0%5-yr growth
Capital Allocation
Capex Intensity0.6%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Mortgage Insurance | View detailsManagement expects defaults to continue increasing in the near term due to the natural seasoning of the portfolio, though they do not anticipate an acceleration in the rate of default. | ||
| Reinsurance | View detailsThe P&C reinsurance expansion is expected to generate approximately $320 million in written premium for 2026, though the near-term earnings impact is projected to be immaterial. |
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