Company research
Essent Group Ltd.
CIK 1448893Updated Nov 11, 2026
SecurityESNT · NYSE · equity
ESNT price & chart
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Seeking Alpha
Essent outlines ~$320M 2026 P&C written premiums while authorizing a new $500M share repurchase plan ↗
Essent Group Ltd. (ESNT) Q3 2026 Earnings Call Transcript ↗
SEC disclosures
Essent Group Ltd. files 8-K: Material Event ↗
Recent filings
Financials
FY 2025 · USDSource
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Source
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 7,351,999,000Source | 7,126,539,000Source | 7,591,882,000Source | 7,220,561,000Source | 6,692,745,000Source | 7,569,768,000Source | 7,204,711,000Source | 6,564,983,000Source | 7,441,003,000Source | 7,111,649,000Source | 6,426,673,000Source | 5,723,797,000Source |
| Property, Plant and EquipmentUSD | — | 41,221,000Source | — | — | 42,905,000Source | — | — | 43,751,000Source | — | — | 41,304,000Source | 19,571,000Source |
| GoodwillUSD | — | — | — | — | — | — | — | — | 48,761,000Source | 48,761,000Source | — | — |
| Current assets: | ||||||||||||
| Accounts Receivable | — | — | — | — | — | — | — | — | —Source | —Source | —Source | —Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 29,900,000Source | 30,000,000Source | 32,200,000Source | 13,100,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 1,613,025,000Source | 1,485,554,000Source | 1,928,481,000Source | 1,547,713,000Source | 1,312,955,000Source | 1,873,266,000Source | 1,545,405,000Source | 1,338,829,000Source | 1,684,276,000Source | 1,507,991,000Source | 1,324,123,000Source | 1,261,488,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 1,462,000Source | 1,593,000Source | 1,348,000Source | 1,493,000Source | 1,596,000Source | 1,396,000Source | 1,537,000Source | 1,601,000Source | 1,432,000Source | 1,575,000Source | 1,599,000Source | 1,615,000Source |
| Retained Earnings (Accumulated Deficit)USD | 5,132,376,000Source | 4,553,099,000Source | 5,553,991,000Source | 4,998,684,000Source | 4,406,913,000Source | 5,396,370,000Source | 4,834,675,000Source | 4,233,391,000Source | 5,257,385,000Source | 4,691,111,000Source | 4,081,578,000Source | 3,493,107,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -165,425,000Source | -190,279,000Source | -190,662,000Source | -215,666,000Source | -307,637,000Source | -187,936,000Source | -232,246,000Source | -302,262,000Source | -151,985,000Source | -303,984,000Source | -280,496,000Source | -382,790,000Source |
| Stockholders' Equity Attributable to ParentUSD | 5,738,974,000Source | 5,640,985,000Source | 5,663,401,000Source | 5,672,848,000Source | 5,379,790,000Source | 5,696,502,000Source | 5,659,306,000Source | 5,226,154,000Source | 5,756,727,000Source | 5,603,658,000Source | 5,102,550,000Source | 4,462,309,000Source |
| Additional Paid in Capital, Common StockUSD | 770,561,000Source | 1,276,572,000Source | 298,724,000Source | 888,337,000Source | 1,278,918,000Source | 486,672,000Source | 1,055,340,000Source | 1,293,424,000Source | 649,895,000Source | 1,214,956,000Source | 1,299,869,000Source | 1,350,377,000Source |
| Liabilities and EquityUSD | 7,351,999,000Source | 7,126,539,000Source | 7,591,882,000Source | 7,220,561,000Source | 6,692,745,000Source | 7,569,768,000Source | 7,204,711,000Source | 6,564,983,000Source | 7,441,003,000Source | 7,111,649,000Source | 6,426,673,000Source | 5,723,797,000Source |
| Deferred Income Tax Liabilities, NetUSD | 438,187,000Source | 410,761,000Source | 449,738,000Source | 427,202,000Source | 381,393,000Source | 452,552,000Source | 414,772,000Source | 368,955,000Source | 465,351,000Source | 392,428,000Source | 362,753,000Source | 356,810,000Source |
| Additional Financial Items | ||||||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | 462,400,000Source | 392,428,000Source | 362,753,000Source | 356,810,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 1,233,000Source | 1,373,000Source | 5,233,000Source | 5,783,000Source | 4,525,000Source | 3,024,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 7,338,000Source | 8,992,000Source | 20,847,000Source | 24,778,000Source | 18,446,000Source | 18,381,000Source |
| Changes in operating assets and liabilities: | ||||||||||||
| Increase (Decrease) in Accounts ReceivableUSD | — | — | — | — | — | — | 92,945,000Source | -2,436,000Source | -4,420,000Source | -7,466,000Source | 2,070,000Source | 11,211,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -5,209,000Source | 11,050,000Source | 48,600,000Source | 32,174,000Source | -13,246,000Source | 58,168,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 192,044,000Source | 221,567,000Source | 856,053,000Source | 861,532,000Source | 763,001,000Source | 588,817,000Source |
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 86,761,000Source | — |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 16,580,000Source | 55,533,000Source | -154,738,000Source | -706,926,000Source | -525,569,000Source | -398,872,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 818,000Source | 221,000Source | 7,364,000Source | 6,766,000Source | 4,002,000Source | 3,981,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | 170,860,000Source | 168,850,000Source | 587,679,000Source | 111,543,000Source | 70,670,000Source | 97,914,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -203,411,000Source | -200,514,000Source | -709,746,000Source | -164,913,000Source | -176,885,000Source | -190,196,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 32,551,000Source | 31,664,000Source | 122,067,000Source | 118,042,000Source | 106,215,000Source | 92,128,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | 5,213,000Source | 76,586,000Source | -8,431,000Source | -10,307,000Source | 60,547,000Source | -251,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 91,411,000Source | 109,306,000Source | 74,333,000Source | 92,116,000Source | 128,262,000Source | 208,066,000Source | 123,049,000Source | 131,480,000Source | 141,787,000Source | 81,240,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 15,625,000Source | 15,625,000Source | 31,250,000Source | 17,196,000Source | 28,574,000Source | 13,595,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 5,962,000Source | 4,593,000Source | 91,151,000Source | — | — | — |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | 3,862,000Source | 6,776,000Source | 3,351,000Source | 3,950,000Source | 7,338,000Source | 8,992,000Source | 20,847,000Source | 24,778,000Source | 18,446,000Source | 18,381,000Source |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | -68,000Source | — | — | — |
| GoodwillUSD | — | — | — | — | — | — | — | — | 48,761,000Source | 48,761,000Source | — | — |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 1,770,000Source | 2,820,000Source | 19,385,000Source | 4,466,000Source | 10,179,000Source | 7,408,000Source | 17,586,000Source | 7,375,000Source | -11,118,000Source | 28,676,000Source |
| Income Tax Expense (Benefit)USD | — | — | 34,944,000Source | 31,399,000Source | 40,605,000Source | 35,836,000Source | 34,926,000Source | 31,566,000Source | 131,893,000Source | 126,088,000Source | 126,613,000Source | 156,834,000Source |
| InterestExpenseNonoperatingUSD | — | — | 8,251,000Source | 11,457,000Source | 8,148,000Source | 8,148,000Source | 8,148,000Source | 8,148,000Source | 32,696,000Source | 35,319,000Source | — | — |
| Liability for Unpaid Claims and Claims Adjustment Expense, Incurred ClaimsUSD | — | — | 44,922,000Source | 30,666,000Source | 48,961,000Source | 17,055,000Source | 48,216,000Source | 31,287,000Source | 149,337,000Source | 81,220,000Source | 31,542,000Source | -174,704,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 164,215,000Source | 176,175,000Source | 189,714,000Source | 195,339,000Source | 171,799,000Source | 175,433,000Source | 689,969,000Source | 729,403,000Source | 696,386,000Source | 831,353,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | — | 176,175,000Source | — | — | — | — | — | — | 696,386,000Source | 831,353,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 212,993,000Source | 188,747,000Source | 831,437,000Source | 411,635,000Source | 664,239,000Source | 247,296,000Source |
| Realized Investment Gains (Losses)USD | — | — | -425,000Source | 68,000Source | -111,000Source | -129,000Source | -147,000Source | -181,000Source | -923,000Source | -2,350,000Source | -7,204,000Source | -13,172,000Source |
| Deferred Policy Acquisition Costs, Amortization Expense | — | — | — | — | — | — | —Source | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 311,830,000Source | 316,578,000Source | 362,686,000Source | 319,143,000Source | 336,072,000Source | 317,558,000Source | 1,260,935,000Source | 1,242,904,000Source | 1,109,759,000Source | 1,000,824,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 199,159,000Source | 207,574,000Source | 230,319,000Source | 231,175,000Source | 206,725,000Source | 206,999,000Source | 821,862,000Source | 855,491,000Source | 822,999,000Source | 988,187,000Source |
| Income Tax Expense (Benefit)USD | — | — | 34,944,000Source | 31,399,000Source | 40,605,000Source | 35,836,000Source | 34,926,000Source | 31,566,000Source | 131,893,000Source | 126,088,000Source | 126,613,000Source | 156,834,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 164,215,000Source | 176,175,000Source | 189,714,000Source | 195,339,000Source | 171,799,000Source | 175,433,000Source | 689,969,000Source | 729,403,000Source | 696,386,000Source | 831,353,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.69Source | 1.67Source | 2.09Source | 1.95Source | 1.83Source | 1.71Source | 6.97Source | 6.92Source | 6.56Source | 7.75Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.67Source | 1.65Source | 2.08Source | 1.93Source | 1.82Source | 1.69Source | 6.9Source | 6.85Source | 6.5Source | 7.72Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 97,400,000Source | 105,266,000Source | 90,740,000Source | 100,037,000Source | 93,818,000Source | 102,881,000Source | 98,999,000Source | 105,394,000Source | 106,222,000Source | 107,205,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 98,519,000Source | 106,554,000Source | 91,389,000Source | 101,059,000Source | 94,572,000Source | 103,946,000Source | 100,023,000Source | 106,550,000Source | 107,129,000Source | 107,653,000Source |
| Interest Expense (non-operating)USD | — | — | 8,251,000Source | 11,457,000Source | 8,148,000Source | 8,148,000Source | 8,148,000Source | 8,148,000Source | 32,696,000Source | 35,319,000Source | — | — |
| Additional Financial Items | ||||||||||||
| Benefits, Losses and ExpensesUSD | — | — | 112,671,000Source | 109,004,000Source | 132,367,000Source | 87,968,000Source | 129,347,000Source | 110,559,000Source | 439,073,000Source | 387,413,000Source | 286,760,000Source | 12,637,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.31Source | 0.28Source | 0.35Source | 0.31Source | 0.35Source | 0.31Source | 1.24Source | 1.12Source | 1Source | 0.86Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 83,293,000Source | 93,914,000Source | 139,859,000Source | 98,666,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 555,656,000Source | — | — | — |
| Income (Loss) from Equity Method InvestmentsUSD | — | — | 1,770,000Source | 2,820,000Source | 19,385,000Source | 4,466,000Source | 10,179,000Source | 7,408,000Source | 17,586,000Source | 7,375,000Source | -11,118,000Source | 28,676,000Source |
| Interest ExpenseUSD | — | — | 8,251,000Source | 11,457,000Source | — | 8,148,000Source | 8,148,000Source | 8,148,000Source | — | — | 30,137,000Source | 15,608,000Source |
| InterestExpenseOperatingUSD | — | — | — | — | — | — | — | — | 32,696,000Source | — | — | — |
| Liability for Unpaid Claims and Claims Adjustment Expense, Incurred ClaimsUSD | — | — | 44,922,000Source | 30,666,000Source | 48,961,000Source | 17,055,000Source | 48,216,000Source | 31,287,000Source | 149,337,000Source | 81,220,000Source | 31,542,000Source | -174,704,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | — | 176,175,000Source | — | — | — | — | — | — | 696,386,000Source | 831,353,000Source |
| Net Investment IncomeUSD | — | — | 59,795,000Source | 57,340,000Source | 61,612,000Source | 59,289,000Source | 59,255,000Source | 58,210,000Source | 236,517,000Source | 222,070,000Source | 186,139,000Source | 124,409,000Source |
| Other IncomeUSD | — | — | 4,358,000Source | 7,414,000Source | 5,036,000Source | 6,708,000Source | 6,692,000Source | 6,273,000Source | 24,037,000Source | 24,927,000Source | 25,036,000Source | 18,384,000Source |
| Realized Investment Gains (Losses)USD | — | — | -425,000Source | 68,000Source | -111,000Source | -129,000Source | -147,000Source | -181,000Source | -923,000Source | -2,350,000Source | -7,204,000Source | -13,172,000Source |
| Deferred Policy Acquisition Costs, Amortization Expense | — | — | — | — | — | — | —Source | — | — | — | — | — |
Filing attachments
a123125ex107.htm · 10-K · 2026-02-18
Exhibit 10.7 RESTRICTED STOCK AGREEMENT Pursuant to the Notice of Grant of Stock (the “Grant Notice”) attached to this Restricted Stock Agreement (the “Agreement”), Essent Group Ltd. (the “Company”) has granted to the holder named in the row entitled “Participant Name” in the Grant Notice (the “Participant”) the number of shares of Stock (as defined below) set forth in the row entitled “Share Amount” in the Grant Notice (the “Shares”) pursuant to the Company’s 2013 Long-Term Incentive Plan, as…
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