Essent Group Ltd. (New York Stock Exchange:ESNT)

BM · Delayed Price · Currency is USD

Financial Services · Insurance - Specialty

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66.82+0.02 (+0.03%)

Market cap

$6.01B

Health Score

78 Sound

Analyst consensus

Buy

Listed since

Oct 31, 2013

Website

ir.essentgroup.com

Insider Score

––Not scored

ESNT Insider Score

Insiders filed in the last 90 days, but none of those trades qualified for scoring — round-trip buys and filings whose price is far off the market are excluded.

See stocks that are scored

Financial Health Score

Sound

From ESNT’s reported statements · Q2 2026 (trailing 12 months)

Profitability20 / 20

Keeps a healthy share of every dollar it sells.

Revenue: $1.32B
Net income: $680.7M
Net margin: 51.4%

Leverage18 / 20

Little or no net debt.

Total debt: $496.0M
Cash: $74.3M
Net debt / EBITDA: 0.49x

Liquidity0 / 20

Owes more within a year than it holds to pay it.

Current assets: $244.1M
Current liabilities: $496.3M
Current ratio: 0.49

Cash generation20 / 20

The business funds itself from operations.

Operating cash flow: $834.1M
Free cash flow: $825.9M
FCF margin: 62.4%

Dilution & runway20 / 20

Not funding itself by issuing shares.

Shares outstanding: 90.7M
Share growth (1y): -9.3%

Five pillars — profitability, leverage, liquidity, cash generation, dilution & runway — each scored 0–20 from the company’s own income statement, balance sheet and cash-flow statement, then scaled to 100. A pillar the statements cannot answer is left out rather than guessed; fewer than three and no score is shown.

ESNT Income Statement

Fiscal Period	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025
Period Ending	Jun 30, 2026	Mar 31, 2026	Dec 31, 2025	Sep 30, 2025	Jun 30, 2025	Mar 31, 2025
Revenue	362.69 M	329.63 M	312.40 M	318.73 M	326.05 M	324.07 M
Revenue Growth (YoY)	11.24 %	1.72 %	-7.92 %	0.68 %	2.32 %	6.63 %
Cost of Revenue	48.96 M	48.22 M	56.07 M	44.92 M	17.05 M	31.29 M
Gross Profit	313.73 M	281.41 M	256.33 M	273.80 M	309.00 M	292.78 M
SG&A Expense	0.00	0.00	0.00	29.18 M	30.72 M	39.69 M
R&D Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses	83.41 M	74.69 M	71.80 M	74.64 M	77.82 M	85.78 M
Operating Income	230.32 M	206.72 M	184.53 M	199.16 M	231.18 M	207.00 M
Pretax Income	230.32 M	206.72 M	184.53 M	199.16 M	231.18 M	207.00 M
Tax Provision	40.60 M	34.93 M	29.55 M	34.94 M	35.84 M	31.57 M
Net Income	189.71 M	171.80 M	154.98 M	164.22 M	195.34 M	175.43 M
EPS (Basic)	2.09	1.83	1.62	1.69	1.95	1.71
EPS (Diluted)	2.08	1.82	1.60	1.67	1.93	1.69
Shares Outstanding	90.74 M	93.82 M	95.77 M	100.09 M	100.04 M	102.88 M

Quarterly figures; YoY compares the same fiscal quarter a year earlier. Source: public market data.

Disclaimer — Informational only — not investment advice. Insider transaction data is sourced from SEC Form 4 filings; market data from public feeds and may be delayed. The Insider Score is a proprietary score for research purposes and does not predict future performance. Always do your own research.