Essent Group Ltd.

ESNT

Essent Group Ltd.

ESNT

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-06-26Shares Purchased (TTM):0Shares Sold (TTM):69,484

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:84,230,946Shares Outstanding:93,818,000Institutional Ownership Pct.:89.78%

Earnings Market Reaction:

Filing Date:2026-05-08Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Surety Insurance

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Assets
Available For Sale Securities Debt Securities	6,048	6,104	6,090	5,967	5,882	5,877	5,950	5,455	5,369	5,264	4,998	5,022
Equity Method Investments	394	383	370	360	322	304	295	283	280	277	273	267
Investments	6,443	6,487	6,460	6,326	6,204	6,181	6,245	5,738	5,649	5,541	5,270	5,289
Cash	128	123	91	92	208	131	109	197	164	142	97	68
Accrued Investment Income Receivable	45	47	43	46	42	44	40	36	36	36	37	36
Notes Receivable Net	144	51	54	52	53	56	54	57	69	63	68	63
Deferred Policy Acquisition Costs	57	10	9	9	10	10	9	9	9	9	9	9
Property Plant And Equipment Net	-	-	-	-	-	-	41	43	44	41	41	31
Property Plant And Equipment And Finance Lease Rig…	48	49	50	42	43	42	-	-	-	41	-	-
Intangible Assets Net Including Goodwill	78	78	79	79	79	80	70	70	72	73	64	-
Other Assets	114	82	76	76	78	80	62	55	55	51	46	41
Assets	7,570	7,441	7,352	7,221	7,205	7,112	7,127	6,693	6,565	6,427	6,094	5,983
Liabilities And Stockhold…
Liabilities
Liability For Claims And Claims Adjustment Expense	486	447	397	365	357	329	288	261	267	260	241	217
Unearned Premiums	226	92	97	102	108	116	121	127	133	140	148	154
Deferred Income Tax Liabilities Net	453	465	438	427	415	392	411	381	369	363	330	328
Senior Notes	496	495	495	495	494	494	-	-	-	0	-	-
Line Of Credit	-	-	-	-	-	0	494	422	422	422	422	421
Other Accrued Liabilities Current And Noncurrent	213	185	186	159	171	177	172	121	147	139	146	129
Liabilities	1,873	1,684	1,613	1,548	1,545	1,508	1,486	1,313	1,339	1,324	1,286	1,250
Common Stock Number Of Sh…
Common Stock Value	1	1	1	1	2	2	2	2	2	2	2	2
Additional Paid In Capital Common Stock	487	650	771	888	1,055	1,215	1,277	1,279	1,293	1,300	1,310	1,310
Accumulated Other Comprehensive Income Loss Net Of…	-188	-152	-165	-216	-232	-304	-190	-308	-302	-280	-436	-360
Retained Earnings Accumulated Deficit	5,396	5,257	5,132	4,999	4,835	4,691	4,553	4,407	4,233	4,082	3,933	3,782
Stockholders Equity	5,697	5,757	5,739	5,673	5,659	5,604	5,641	5,380	5,226	5,103	4,808	4,733
Liabilities And Stockholders Equity	7,570	7,441	7,352	7,221	7,205	7,112	7,127	6,693	6,565	6,427	6,094	5,983
Common Stock Shares Issued	93	95	97	100	102	105	106	106	107	107	107	107
Common Stock Shares Authorized	233	233	233	233	233	233	233	233	233	233	233	233
Fixed Maturities	5,644	5,631	7	19	5,617	5,467	852	-234	4,520	4,658	-108	-123
Short Term Investments	623	648	57	46	537	764	-493	327	1,197	929	172	236
Available For Sale Securi…
Available For Sale Debt Securities Amortized Cost …	6,267	6,280	6,283	6,219	6,154	6,231	6,168	5,810	5,717	5,587	5,503	5,438
Property Plant And Equipm…
Accumulated Depreciation Depletion And Amortizatio…	72	71	75	74	73	72	74	73	72	71	70	69
Subordinated Borrowings
Deferred Finance Costs Gross	-	-	-	-	-	-	-	3	3	3	3	4
Common Stock Par Or Stated Value Per Share	0.015	0.015	0.015	0.015	0.015	0.015	0.015	0.015	0.015	0.015	0.015	0.015
Shares Outstanding	93	95	97	100	102	105	106	106	107	107	107	107

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-8.30%	2.01%	-	-	-	-	-	-	-	-	-	-
2025	-0.38%	4.16%	-2.61%	4.10%	7.47%	1.83%	2.70%	7.77%	-0.34%	-4.58%	-0.61%	3.70%
2024	1.03%	0.12%	11.99%	9.48%	8.77%	2.96%	7.70%	1.25%	7.81%	-1.44%	-1.06%	5.42%
2023	6.51%	7.94%	14.72%	-3.61%	-10.19%	-12.59%	1.35%	8.97%	14.88%	3.06%	8.89%	4.69%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	34.47	34.48	34.91	31.29	31.92	32.49	25.59	28.46	27.90	28.31	29.09	33.00
Per Share Metrics
Diluted EPS TTM	7.26	6.90	7.13	7.07	6.96	6.85	6.92	6.92	6.62	6.50	6.25	6.24
Free Cash Flow Per Share TTM	8.73	8.57	8.69	8.65	8.39	8.11	8.00	7.64	7.45	7.15	6.76	6.53
Dividend Per Share TTM	1.31	1.23	1.25	1.21	1.17	1.12	1.09	1.06	1.03	1.00	0.98	0.95
Margin Metrics
Gross Profit Margin TTM	-	-	-	-	-	-	97.13%	97.38%	97.30%	97.28%	97.29%	97.54%
Operating Profit Margin TTM	64.21%	65.18%	65.87%	66.29%	67.25%	68.83%	70.48%	71.83%	72.53%	74.16%	76.07%	78.81%
Net Profit Margin TTM	53.64%	54.72%	55.63%	56.36%	57.29%	58.69%	60.15%	61.32%	61.40%	62.75%	64.11%	66.31%
Growth Metrics
Net Revenue Growth (1Y)	1.37%	1.45%	3.13%	5.28%	9.57%	12.00%	17.52%	19.49%	16.06%	10.88%	1.44%	-3.93%
Net Income Growth (1Y)	-5.09%	-5.41%	-4.61%	-3.22%	2.24%	4.74%	10.25%	10.50%	-2.85%	-16.23%	-22.73%	-25.08%
EPS Growth (1Y)	4.08%	0.70%	3.09%	2.21%	5.04%	5.56%	10.99%	11.12%	-1.70%	-15.46%	-22.08%	-24.61%
Valuation Metrics
P/E TTM	7.94	9.22	8.70	8.40	8.07	7.69	8.93	7.78	8.57	7.71	7.15	7.06
P/B TTM	0.96	1.10	1.07	1.06	1.03	1.00	1.17	1.07	1.16	1.05	0.99	1.00
P/S TTM	4.26	5.04	4.84	4.73	4.62	4.51	5.37	4.77	5.26	4.84	4.58	4.68
Market Cap	5.45B	6.36B	6.12B	6.00B	5.84B	5.61B	6.58B	5.75B	6.06B	5.37B	4.78B	4.72B
Enterprise Value	5.82B	6.73B	6.52B	6.40B	6.12B	5.97B	6.47B	5.55B	5.89B	5.23B	4.68B	4.65B
Calculated Values
Free Cash Flow TTM	818.57M	848.69M	846.72M	864.82M	863.66M	854.77M	842.08M	807.38M	787.05M	759.00M	716.60M	694.29M
Net Debt	367.38M	372.25M	403.55M	402.51M	286.23M	362.48M	-109.31M	-197.40M	-164.26M	-141.79M	-96.78M	-68.10M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-26Sale

Owner: Weinstock, David B

Title: SVP and CFO

Shares: 5,500

Price/Share: $63.51

Value: $349,305.00

Shares Owned: 35,494

Relationship: Officer

Ownership: Direct

2026-04-28Sale

Owner: Gibbons, Mary Lourdes

Title: SVP and Chief Legal Officer

Shares: 4,250

Price/Share: $65.01

Value: $276,292.50

Shares Owned: 233,336

Relationship: Officer

Ownership: Direct

2026-04-28Sale

Owner: Casale, Mark

Title: Chairman, CEO and President

Shares: 13,064

Price/Share: $65.05

Value: $849,813.20

Shares Owned: 2,218,480

Relationship: Director,Officer

Ownership: Direct

2026-04-20Sale

Owner: Gibbons, Mary Lourdes

Title: SVP and Chief Legal Officer

Shares: 7,628

Price/Share: $63.01

Value: $480,640.28

Shares Owned: 237,586

Relationship: Officer

Ownership: Direct

2025-12-18Sale

Owner: Gibbons, Mary Lourdes

Title: SVP and Chief Legal Officer

Shares: 4,352

Price/Share: $67.00

Value: $291,584.00

Shares Owned: 237,896

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-26	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	5,500	63.51	$349,305.00	35,494	4
2026-04-28	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	4,250	65.01	$276,292.50	233,336	4
2026-04-28	Casale, Mark	Director,Officer	Chairman, CEO and President	Direct	Sale	13,064	65.05	$849,813.20	2,218,480	4
2026-04-20	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	7,628	63.01	$480,640.28	237,586	4
2025-12-18	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	4,352	67.00	$291,584.00	237,896	4
2025-11-14	Kasmar, Roy James	Director	-	Indirect	Sale	3,250	61.44	$199,680.00	23,573	4
2025-11-11	Dutt, Aditya	Director	-	Direct	Sale	3,250	61.49	$199,842.50	28,722	4
2025-09-18	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	11,479	65.00	$746,135.00	196,922	4
2025-09-18	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	4,000	65.00	$260,000.00	243,023	4
2025-09-15	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,500	63.33	$158,325.00	24,865	4
2025-08-13	Spiegel, William	Director	-	Direct	Sale	6,451	62.74	$404,735.74	26,252	4
2025-08-12	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	3,760	62.00	$233,120.00	247,023	4
2025-07-01	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	240	62.00	$14,880.00	250,783	4
2025-06-23	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	1,999	60.00	$119,940.00	251,023	4
2025-06-16	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,500	58.79	$146,975.00	27,365	4
2025-05-15	Kasmar, Roy James	Director	-	Indirect	Sale	3,235	58.82	$190,282.70	23,905	4
2025-05-13	Pauls, Douglas J	Director	-	Indirect	Sale	3,000	59.80	$179,400.00	27,165	4
2025-05-12	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	1,777	60.07	$106,744.39	253,022	4
2024-09-18	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,000	63.59	$127,180.00	25,416	4
2024-08-06	Kasmar, Roy James	Director	-	Indirect	Sale	5,000	58.81	$294,050.00	27,140	4
2024-07-16	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	1,883	61.20	$115,239.60	197,476	4
2024-06-18	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,000	55.61	$111,220.00	27,416	4
2024-05-09	Pauls, Douglas J	Director	-	Indirect	Sale	2,500	56.12	$140,300.00	27,112	4
2024-01-19	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	12,925	55.05	$711,521.25	201,519	4
2024-01-19	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	5,000	55.00	$275,000.00	247,969	4
2023-12-14	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	8,355	52.15	$435,713.25	252,969	4
2023-09-27	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,000	48.20	$96,400.00	25,648	4
2023-08-23	Gibbons, Mary Lourdes	Officer	SVP and Chief Legal Officer	Direct	Sale	15,000	49.80	$747,000.00	261,324	4
2023-08-16	Weinstock, David B	Officer	SVP and CFO	Direct	Sale	2,000	51.88	$103,760.00	27,648	4
2023-08-02	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	2,661	50.57	$134,566.77	214,444	4
2023-07-28	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	1,352	50.04	$67,654.08	217,105	4
2023-07-26	Bhasin, Vijay	Officer	SVP and Chief Risk Officer	Direct	Sale	3,911	50.03	$195,667.33	220,959	4
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Institutional Ownership

No data available for chart

2026-03-31

89.78%

Inst. Shares: 84,230,946

Shares Outstanding: 93,818,000

2025-12-31

91.02%

Inst. Shares: 90,105,303

Shares Outstanding: 98,999,000

2025-09-30

92.77%

Inst. Shares: 90,359,172

Shares Outstanding: 97,400,000

2025-06-30

94.37%

Inst. Shares: 94,403,471

Shares Outstanding: 100,037,000

2025-03-31

91.63%

Inst. Shares: 94,272,312

Shares Outstanding: 102,881,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	84,230,946	93,818,000	89.78%
2025-12-31	90,105,303	98,999,000	91.02%
2025-09-30	90,359,172	97,400,000	92.77%
2025-06-30	94,403,471	100,037,000	94.37%
2025-03-31	94,272,312	102,881,000	91.63%
2024-12-31	95,127,067	105,394,000	90.26%
2024-09-30	94,258,418	105,266,000	89.54%
2024-06-30	96,856,473	105,657,000	91.67%
2024-03-31	96,435,151	105,697,000	91.24%
2023-12-31	96,482,242	106,222,000	90.83%
2023-09-30	94,950,870	105,979,000	89.59%
2023-06-30	95,405,066	106,249,000	89.79%
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Essent Group Ltd. (ESNT) — SEC Financial Statements & Analysis

Essent Group Ltd. (ESNT) is a surety insurance company, incorporated in D0. Essent Group Ltd. trades on NYSE as: ESNT. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), Essent Group Ltd. reported a 1.37% year-over-year revenue growth, a Gross Profit Margin of 97.13% (TTM), a Price-to-Sales (P/S) ratio of 4.26x (TTM), a Price-to-Book (P/B) ratio of 0.96 (TTM), at a market cap of $5.45B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 1.37%
Gross Profit Margin TTM: 97.13%
P/S TTM: 4.26x
P/B TTM: 0.96
Market Cap: $5.45B

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Essent Group Ltd. in?

Essent Group Ltd. (ESNT) operates in the Surety Insurance industry.

What is ESNT's market cap?

Essent Group Ltd. (ESNT) has a market capitalization of $5.45B as of 2026-03-31.

What is ESNT's P/E ratio?

Essent Group Ltd. (ESNT)'s trailing twelve month P/E ratio is 7.94x as of 2026-03-31.

What exchange does ESNT trade on?

Essent Group Ltd. (ESNT) trades on the NYSE.

Where is Essent Group Ltd. incorporated?

Essent Group Ltd. is incorporated in Bermuda.

Essent Group Ltd. (ESNT) — SEC Financial Statements & Analysis

Frequently Asked Questions

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