ES
MARKETS / NYSE / ESNT
NYSE · SURETY INSURANCE · LARGE CAP

Essent Group Ltd. ESNT

14 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY6 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$1.3B
▲ 1.5% vs FY2024
Dividend streak
6 yrs
Raised every year since 2020
EPS · FY25
—
Dividend / sh · FY25
$1.24
Payout · FY25
18%
ROE · FY25
12.1%
Net margin · FY25
54.7%
Dividend coverage
5.6×
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Result
USD 1.3B
Revenue, FY2025 · full 14-year series below
Revenue Net income
0.40.81.21.61.30.7201220152018202120242025
0.40.81.21.61.30.72016201920222025

55 cents of every revenue dollar became profit this year.

Per share
—
Diluted EPS, FY2025
EPS Dividend
0.511.51.24201220152018202120242025
0.511.51.242016201920222025

Earnings covered the dividend 5.6 times — the rest stayed in the company.

Profitability
12.1%
Return on equity, FY2025
ROE
8162412.1%201220152018202120242025
8162412.1%2016201920222025
Operating margin65.2%
Net margin54.7%
Return on assets9.5%

Each USD of equity produced 12 cents of profit this year.

Returned to shareholders
USD 709.7M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 122.1M
Net buybacksUSD 587.7M
Share of profit102.9%
Consecutive raises6 years

USD 122.1M in dividends and USD 587.7M in buybacks — 103% of the year's profit, so the payout drew on cash built up earlier.

Growth
+5.7% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+8.0%
+5.7%
+13.6%
Net income
−6.0%
+10.8%
+15.9%
EPS, diluted
−3.7%
+12.2%
+14.9%
Dividend / share
+13.0%
+14.1%
Returned to shareholders
+55.1%
+59.2%
+65.4%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
—
Shares outstanding, FY2025
Change, 5 years−15.1%
Change, 10 years+3.0%

The share count shrank 15% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 7.4B
total assets, end of FY2025
Total assetsUSD 7.4B
EquityUSD 5.8B
CashUSD 123.0M

Equity funds 77% of total assets.

History
14 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
Revenue $B
1.3
1.2
1.1
1.0
1.0
1.0
0.9
0.7
0.6
0.5
0.4
0.2
0.1
0.0
Operating income $B
0.8
0.9
0.8
1.0
0.8
0.5
0.7
·
·
·
·
·
·
·
EBITDA $B
0.8
0.9
0.8
1.0
0.8
0.5
0.7
·
·
·
·
·
·
·
Income tax $B
0.1
0.1
0.1
0.2
0.1
0.1
0.1
0.1
0.0
0.1
0.1
0.0
−0.0
−0.0
Net income $B
0.7
0.7
0.7
0.8
0.7
0.4
0.6
0.5
0.4
0.2
0.2
0.1
0.1
−0.0
EPS, diluted $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Dividend / sh $
1.24
1.12
1.00
0.86
0.70
0.64
0.30
·
·
·
·
·
·
·
Payout %
18
16
15
11
11
17
5
0
0
·
·
·
·
·
ROE %
12.1
13.6
14.6
19.1
16.8
12.1
20.8
21.7
23.1
18.1
15.2
10.5
13.9
−6.2
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
26 of 26
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed