Essent Group Ltd. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
ESNT on NYSE
Location
Hamilton, Bermuda
Fiscal year end
31 December
Latest financial report
18 Feb 2026

Quick Takeaways

  • ESNT - Essent Group Ltd. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 12%.

What Changed

  • Return On Equity YoY change: <span class="text-red-600">-11%</span>.
  • Most recent SEC facts end date: 13 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-13) highlights Return On Equity 12.1%, Return On Assets 9.5%, and Debt-to-equity 0.28x.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

51.6/100

Caution Confidence medium

Return On Equity

12%

Metric score 24.4/100

Return On Assets

9.5%

Metric score 93.5/100

Financial Health

Debt to Equity
0.28x

Strengths

Return On Assets and Debt-to-equity

Watchpoints

Return On Equity, Revenues YoY, and NetIncomeLoss YoY

Key metrics snapshot

Profitability

Metric Latest value YoY change
Return On Equity 12% -11%
Return On Assets 9.5% -12%

Financial Health

Metric Latest value YoY change
Debt-to-equity 0.28x +8.3%

Growth

Metric Latest value YoY change
Revenues YoY 1.4%
NetIncomeLoss YoY -5.4%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 94,542,845 -8.9%
Common Stock, Shares, Outstanding 95,456,000 -9.1%
Common Stock, Value, Issued $1,432,000 -9.1%
Weighted Average Number of Shares Outstanding, Basic 98,999,000 -6.1%
Weighted Average Number of Shares Outstanding, Diluted 100,023,000 -6.1%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $821,862,000 -3.9%
Income Tax Expense (Benefit) $131,893,000 +4.6%
Earnings Per Share, Basic 6.97 +0.72%
Earnings Per Share, Diluted 6.9 +0.73%
Operating Lease, Right-of-Use Asset $29,900,000 -0.33%
Goodwill $48,761,000 0%
Assets $7,441,003,000 +4.6%
Deferred Income Tax Liabilities, Net $465,351,000 +19%
Liabilities $1,684,276,000 +12%
Accumulated Other Comprehensive Income (Loss), Net of Tax $151,985,000 +50%
Retained Earnings (Accumulated Deficit) $5,257,385,000 +12%
Stockholders' Equity Attributable to Parent $5,756,727,000 +2.7%
Liabilities and Equity $7,441,003,000 +4.6%
Common Stock, Shares Authorized 233,333,000 0%
Common Stock, Shares, Issued 95,456,000 -9.1%
Common Stock, Par or Stated Value Per Share 0.015 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $123,049,000 -6.4%
Deferred Tax Assets, Gross $60,554,000 -35%
Operating Lease, Liability $36,645,000 +1.2%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $841,968,000 +19%
Lessee, Operating Lease, Liability, to be Paid $44,734,000 -1%
Property, Plant and Equipment, Gross $90,729,000 +7.8%
Lessee, Operating Lease, Liability, to be Paid, Year Two $5,706,000 +21%
Lessee, Operating Lease, Liability, to be Paid, Year One $5,977,000 +2.1%
Operating Lease, Weighted Average Discount Rate, Percent 0.047 +2.2%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $8,089,000 -10%
Lessee, Operating Lease, Liability, to be Paid, Year Three $5,480,000 +19%
Unrecognized Tax Benefits $0
Lessee, Operating Lease, Liability, to be Paid, Year Four $5,275,000 +20%
Share-based Payment Arrangement, Expense $20,847,000 -16%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY