ESNT - Essent Group Ltd.
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$68.75
DETAILS
HIGH:
$75.00
LOW:
$62.00
MEDIAN:
$69.00
CONSENSUS:
$68.75
UPSIDE:
13.67%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||
| Revenue | 1,260.9 | 1,267.2 | 1,131.1 | 1,018.3 | 1,028.5 | 955.2 | 867.6 | 719.4 | 576.5 | 458.3 | 353.3 | 239.5 | 131.4 | 48.7 | 14.4 | 6.3 |
| Cost of Revenue | 149.3 | 81.2 | 31.5 | (174.7) | 31.1 | 301.3 | 33.0 | 11.6 | 27.2 | 0 | 0 | 6.3 | 2.3 | 0 | 0 | 0 |
| Gross Profit | 1,111.6 | 1,185.9 | 1,099.5 | 1,193.0 | 997.5 | 653.9 | 834.6 | 707.8 | 549.3 | 458.3 | 353.3 | 233.2 | 129.1 | 48.7 | 14.4 | 6.3 |
| Operating Expenses | ||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 0 | 136.4 | 114.9 | 100.3 | 101.3 | 93.1 | 93.7 | 90.1 | 91.0 | 84.0 | 72.2 | 64.3 | 47.0 | 31.6 | 24.0 | 17.3 |
| Other Expenses | 289.7 | 194.0 | 161.6 | 104.6 | 73.8 | 70.7 | 81.9 | 71.0 | 59.7 | 62.3 | 52.7 | 32.9 | 24.1 | 31.0 | 24.8 | 16.6 |
| Operating Expenses | 289.7 | 330.4 | 276.5 | 204.9 | 175.1 | 163.8 | 175.5 | 161.1 | 150.7 | 146.4 | 124.9 | 97.2 | 71.1 | 62.6 | 48.8 | 33.9 |
| Operating Income | ||||||||||||||||
| Operating Income | 821.9 | 855.5 | 823.0 | 988.2 | 822.3 | 490.1 | 659.1 | 546.7 | 398.6 | 311.9 | 228.4 | 135.9 | 58.0 | (13.9) | (34.5) | (27.6) |
| Interest Expense | 32.7 | 35.3 | 30.1 | 15.6 | 8.3 | 9.1 | 10.2 | 10.2 | 5.2 | 0.4 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profitability | ||||||||||||||||
| EBITDA | 859.8 | 896.6 | 857.7 | 1,006.8 | 834.0 | 502.5 | 673.0 | 560.3 | 407.7 | 316.4 | 231.6 | 138.4 | 60.3 | 0 | 0 | 0 |
| EBIT | 854.6 | 890.8 | 853.1 | 1,003.8 | 830.6 | 499.2 | 669.2 | 556.9 | 403.7 | 312.3 | 228.4 | 135.9 | 58.0 | (15.2) | (13.6) | (6.6) |
| Income Before Tax | 821.9 | 855.5 | 823.0 | 988.2 | 822.3 | 490.1 | 659.1 | 546.7 | 398.6 | 311.9 | 228.4 | 135.9 | 58.0 | (13.9) | (34.5) | (27.6) |
| Income Tax Expense | 131.9 | 126.1 | 126.6 | 156.8 | 140.5 | 77.1 | 103.3 | 79.3 | 18.8 | 89.3 | 71.1 | 47.4 | (7.4) | (0.3) | (0.9) | (0.1) |
| Net Income | 690.0 | 729.4 | 696.4 | 831.4 | 681.8 | 413.0 | 555.7 | 467.4 | 379.7 | 222.6 | 157.3 | 88.5 | 65.4 | (13.5) | (33.6) | (27.6) |
| Per Share Data | ||||||||||||||||
| EPS (Basic) | 6.97 | 6.92 | 6.56 | 7.75 | 6.13 | 3.89 | 5.68 | 4.80 | 4.07 | 2.45 | 1.74 | 1.05 | 0.90 | -0.35 | -0.87 | -0.72 |
| EPS (Diluted) | 6.90 | 6.85 | 6.50 | 7.72 | 6.11 | 3.88 | 5.66 | 4.77 | 3.99 | 2.41 | 1.72 | 1.03 | 0.70 | -0.35 | -0.87 | -0.72 |
| Shares Outstanding | 99.0 | 105.4 | 106.2 | 107.2 | 111.2 | 106.1 | 97.8 | 97.4 | 93.3 | 90.9 | 90.4 | 84.0 | 14.0 | 38.4 | 38.4 | 38.4 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 123.0 | 131.5 | 141.8 | 81.2 | 81.5 | 102.8 | 71.3 | 64.9 | 43.5 | 27.5 |
| Short-Term Investments | 6,104.1 | 5,876.7 | 0 | 252.0 | 4,962.9 | 4,565.4 | 3,350.7 | 2,760.1 | 2,305.1 | 0 |
| Net Receivables | 98.6 | 55.6 | 63.3 | 57.4 | 46.2 | 50.1 | 40.7 | 36.9 | 29.8 | 21.6 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | (6,553.4) | 0 | 0 | 0 | 0 | 0 | (2,760.1) | (2,305.1) | (1,615.1) |
| Total Current Assets | 6,839.2 | 0 | 205.1 | 390.7 | 5,090.5 | 4,718.3 | 3,462.8 | 101.8 | 73.3 | 49.2 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 49.2 | 41.9 | 41.3 | 19.6 | 11.9 | 15.1 | 17.3 | 7.6 | 7.0 | 8.1 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 87.7 | 0 | 72.8 | 13.9 | 15.1 | 19.9 | 18.3 | 19.3 | 17.6 | 16.3 |
| Long-Term Investments | 382.5 | 5,876.7 | 277.2 | (4,483.7) | 4,962.9 | (4,476.5) | (3,271.9) | (2,729.1) | (2,304.6) | 1,615.1 |
| Other Non-Current Assets | 82.4 | (5,998.1) | 3,641.3 | 4,378.0 | (44.2) | 9,041.8 | 6,574.9 | 5,562.6 | 4,539.7 | 18.7 |
| Total Non-Current Assets | 601.8 | 0 | 4,032.7 | 19.6 | 4,974.8 | 4,580.5 | 3,368.1 | 2,893.7 | 2,288.4 | 1,701.5 |
| Total Assets | 7,441.0 | 7,111.6 | 6,426.7 | 5,723.8 | 5,722.2 | 5,202.7 | 3,873.4 | 3,150.0 | 2,674.4 | 1,883.0 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 248.6 | 100 |
| Deferred Revenue | 91.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 912.2 | (176.8) | 361.2 | 329.0 | 328.1 | 233.8 | 597.9 | 517.6 | (32.6) | 305.3 |
| Total Current Liabilities | 1,189.0 | 0 | 500.3 | 418.5 | 419.8 | 321.7 | 664.3 | 560.6 | 252.2 | 439.2 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 495.3 | 494.0 | 421.9 | 420.9 | 419.8 | 321.7 | 224.2 | 223.7 | 248.6 | 100 |
| Deferred Tax Liabilities | 465.4 | 392.4 | 0 | 356.8 | 373.7 | 305.1 | 0 | 0 | 127.6 | 0 |
| Other Non-Current Liabilities | (465.4) | (886.4) | 431.6 | 65.4 | (373.7) | 732.3 | 0 | 0 | 357.7 | 0 |
| Total Non-Current Liabilities | 495.3 | 0 | 853.5 | 843.0 | 419.8 | 626.8 | 224.2 | 223.7 | 733.9 | 100 |
| Total Liabilities | 1,684.3 | 1,508.0 | 1,324.1 | 1,261.5 | 1,486.1 | 1,340.1 | 888.6 | 784.3 | 733.9 | 539.2 |
| Stockholders' Equity | ||||||||||
| Common Stock | 1.4 | 1.6 | 1.6 | 1.6 | 1.6 | 1.7 | 1.5 | 1.5 | 1.5 | 1.4 |
| Retained Earnings | 5,257.4 | 4,691.1 | 4,081.6 | 3,493.1 | 2,754.8 | 2,151.5 | 1,808.5 | 1,282.4 | 815.1 | 436.3 |
| Accumulated Other Comprehensive Income | (152.0) | (304.0) | (280.5) | (382.8) | 50.7 | 138.3 | 56.2 | (29.0) | (3.3) | (12.3) |
| Total Stockholders' Equity | 5,756.7 | 5,603.7 | 5,102.6 | 4,462.3 | 4,236.1 | 3,862.6 | 2,984.8 | 2,365.7 | 1,940.4 | 1,343.8 |
| Total Liabilities & Equity | 7,441.0 | 7,111.6 | 6,426.7 | 5,723.8 | 5,722.2 | 5,202.7 | 3,873.4 | 3,150.0 | 2,674.4 | 1,883.0 |
| Debt Metrics | ||||||||||
| Total Debt | 495.3 | 494.0 | 421.9 | 420.9 | 419.8 | 321.7 | 224.2 | 223.7 | 248.6 | 100 |
| Net Debt | 372.3 | 362.5 | 280.1 | 339.6 | 338.3 | 218.9 | 152.9 | 158.7 | 205.1 | 72.5 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 690.0 | 729.4 | 696.4 | 831.4 | 681.8 | 413.0 | 555.7 | 467.4 | 379.7 | 222.6 |
| Depreciation & Amortization | 5.2 | 5.8 | 4.5 | 3.0 | 3.4 | 3.3 | 3.8 | 3.4 | 3.9 | 4.1 |
| Stock-Based Compensation | 0 | 24.8 | 18.4 | 18.4 | 20.8 | 18.5 | 16.6 | 15.1 | 18.7 | 16.9 |
| Change in Working Capital | 80.9 | 40.3 | 16.2 | (339.1) | (83.4) | 232.3 | (59.1) | 75.8 | (24.4) | (35.1) |
| Other Non-Cash Items | 79.9 | 29.0 | 40.7 | 16.9 | 2.7 | 22.2 | 13.4 | 13.0 | 10.0 | 7.5 |
| Operating Cash Flow | 856.1 | 861.5 | 763.0 | 588.8 | 709.3 | 727.9 | 589.8 | 625.3 | 368.6 | 273.5 |
| Investing Activities | ||||||||||
| Capital Expenditure | (7.4) | (6.8) | (4.0) | (4.0) | (2.5) | (2.4) | (3.4) | (4.1) | (2.8) | (3.2) |
| Acquisitions | 0 | (33.1) | (86.8) | (72.9) | 0 | 0 | (47.5) | (30.5) | 178.3 | 44.4 |
| Purchases of Investments | (1,120.4) | (1,648.4) | (1,116.1) | (1,378.2) | (2,338.1) | (2,003.6) | (1,205.9) | (1,126.0) | (1,013.6) | (703.1) |
| Sales/Maturities of Investments | 931.3 | 991.4 | 1,371.8 | 1,056.2 | 1,757.4 | 851.6 | 711.8 | 613.7 | 326.3 | 341.0 |
| Other Investing Activities | 41.8 | (10) | (690.5) | 0 | 0 | 0 | 0 | 0 | (178.3) | (44.4) |
| Investing Cash Flow | (154.7) | (706.9) | (525.6) | (398.9) | (583.2) | (1,154.4) | (545.1) | (546.9) | (690.1) | (365.3) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 0 | 73.2 | 0 | 0 | 100 | 100 | 0 | (25) | 150 | 100 |
| Stock Repurchased | (587.7) | (111.5) | (70.7) | (97.9) | (163.9) | (6.4) | (9.0) | (31.4) | (7.6) | (4.0) |
| Dividends Paid | (122.1) | (118.0) | (106.2) | (92.1) | (77.7) | (69.4) | (29.3) | 0 | 0 | 0 |
| Other Financing Activities | 0 | (8.5) | 0 | (0.2) | (5.8) | (6.2) | (0.0) | (0.6) | (2.7) | (1.2) |
| Financing Cash Flow | (709.7) | (164.9) | (176.9) | (190.2) | (147.4) | 458.0 | (38.4) | (57.0) | 337.6 | 94.8 |
| Cash Position | ||||||||||
| Net Change in Cash | (8.4) | (10.3) | 60.5 | (0.3) | (21.3) | 31.5 | 6.4 | 21.4 | 16.0 | 2.9 |
| Cash at Beginning | 131.5 | 141.8 | 81.2 | 81.5 | 102.8 | 71.3 | 64.9 | 43.5 | 27.5 | 24.6 |
| Cash at End | 123.0 | 131.5 | 141.8 | 81.2 | 81.5 | 102.8 | 71.3 | 64.9 | 43.5 | 27.5 |
| Free Cash Flow | 848.7 | 854.8 | 759.0 | 584.8 | 706.8 | 725.5 | 586.4 | 621.3 | 365.8 | 270.3 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||
| Revenue | 1,260.9 | 1,267.2 | 1,131.1 | 1,018.3 | 1,028.5 | 955.2 | 867.6 | 719.4 | 576.5 | 458.3 | 353.3 | 239.5 | 131.4 | 48.7 | 14.4 | 6.3 |
| Gross Profit | 1,111.6 | 1,185.9 | 1,099.5 | 1,193.0 | 997.5 | 653.9 | 834.6 | 707.8 | 549.3 | 458.3 | 353.3 | 233.2 | 129.1 | 48.7 | 14.4 | 6.3 |
| Operating Income | 821.9 | 855.5 | 823.0 | 988.2 | 822.3 | 490.1 | 659.1 | 546.7 | 398.6 | 311.9 | 228.4 | 135.9 | 58.0 | (13.9) | (34.5) | (27.6) |
| Net Income | 690.0 | 729.4 | 696.4 | 831.4 | 681.8 | 413.0 | 555.7 | 467.4 | 379.7 | 222.6 | 157.3 | 88.5 | 65.4 | (13.5) | (33.6) | (27.6) |
| EPS (Diluted) | 6.90 | 6.85 | 6.50 | 7.72 | 6.11 | 3.88 | 5.66 | 4.77 | 3.99 | 2.41 | 1.72 | 1.03 | 0.70 | -0.35 | -0.87 | -0.72 |
| Balance Sheet | ||||||||||||||||
| Cash & Equivalents | 123.0 | 131.5 | 141.8 | 81.2 | 81.5 | 102.8 | 71.3 | 64.9 | 43.5 | 27.5 | ||||||
| Total Assets | 7,441.0 | 7,111.6 | 6,426.7 | 5,723.8 | 5,722.2 | 5,202.7 | 3,873.4 | 3,150.0 | 2,674.4 | 1,883.0 | ||||||
| Total Debt | 495.3 | 494.0 | 421.9 | 420.9 | 419.8 | 321.7 | 224.2 | 223.7 | 248.6 | 100 | ||||||
| Stockholders' Equity | 5,756.7 | 5,603.7 | 5,102.6 | 4,462.3 | 4,236.1 | 3,862.6 | 2,984.8 | 2,365.7 | 1,940.4 | 1,343.8 | ||||||
| Cash Flow | ||||||||||||||||
| Operating Cash Flow | 856.1 | 861.5 | 763.0 | 588.8 | 709.3 | 727.9 | 589.8 | 625.3 | 368.6 | 273.5 | ||||||
| Capital Expenditure | (7.4) | (6.8) | (4.0) | (4.0) | (2.5) | (2.4) | (3.4) | (4.1) | (2.8) | (3.2) | ||||||
| Free Cash Flow | 848.7 | 854.8 | 759.0 | 584.8 | 706.8 | 725.5 | 586.4 | 621.3 | 365.8 | 270.3 | ||||||