Essent Group Ltd. (ESNT) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	1.3B	1.3B	1.3B	1.1B	1.0B
Cost of Revenue	198.2M	149.3M	81.2M	31.5M	(174.7M)
Gross Profit	1.1B	1.1B	1.2B	1.1B	1.2B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	29.2M	—	136.4M	114.9M	100.3M
General & Admin Expense	29.2M	—	136.4M	114.9M	100.3M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	275.4M	289.7M	194.0M	161.6M	104.6M
Total Operating Expenses	304.5M	289.7M	330.4M	276.5M	204.9M
Cost and Expenses	502.7M	439.1M	411.7M	308.1M	30.2M
Operating Income (EBIT)	820.7M	821.9M	855.5M	823.0M	988.2M
Non-Operating
Interest Income	—	—	—	—	—
Interest Expense	32.7M	32.7M	35.3M	30.1M	15.6M
Net Interest Income	(32.7M)	(32.7M)	(35.3M)	(30.1M)	(15.6M)
Other Non-Op Income/Expense	—	—	—	—	(2.0K)
Non-Operating Income (excl Interest)	(32.7M)	(32.7M)	(35.3M)	(30.1M)	(15.6M)
EBT (Pre-Tax Income)	820.7M	821.9M	855.5M	823.0M	988.2M
Income Tax Expense	140.0M	131.9M	126.1M	126.6M	156.8M
Bottom Line
Net Income	680.7M	690.0M	729.4M	696.4M	831.4M
Earnings from Cont. Ops	680.7M	690.0M	729.4M	696.4M	831.4M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	680.7M	690.0M	729.4M	696.4M	831.4M
Per Share
Basic EPS	$7.23	$6.97	$6.92	$6.56	$7.75
Diluted EPS	$7.17	$6.90	$6.85	$6.50	$7.72
Revenue Per Share	$14.58	$12.74	$12.02	$10.65	$9.50
Shares
Basic Shares Outstanding	90.7M	99.0M	105.4M	106.2M	107.2M
Diluted Shares Outstanding	91.4M	100.0M	106.5M	107.1M	107.7M
Profitability Metrics
EBITDA	857.2M	859.8M	896.6M	857.7M	1.0B
D&A	3.8M	5.2M	5.8M	4.5M	3.0M
EBIT	853.4M	854.6M	890.8M	853.1M	1.0B

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026