Company Analysis

Essent Group LTD (ESNT)

NYSE: ESNT · Surety Insurance · Hamilton, BM · filing with the SEC since 2008
Grade5.7
◀ Past 4.9● Present 6.9▶ Future 5.2

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.
Income statement, by fiscal year, newest first
Fiscal yearFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Period endingDec 31, 2025Dec 31, 2024Dec 31, 2023Dec 31, 2022Dec 31, 2021Dec 31, 2020Dec 31, 2019Dec 31, 2018Dec 31, 2017Dec 31, 2016
Report filedFeb 18, 2026Feb 19, 2025Feb 16, 2024Feb 17, 2023Feb 16, 2022Feb 26, 2021Feb 18, 2020Feb 19, 2019Feb 20, 2018Feb 16, 2017
Revenue1,260,9351,242,9041,109,7591,000,8241,028,510955,154867,567719,353576,511458,258
For lenders
Interest expense on deposits and borrowings32,69635,31930,137·······
For insurers
Premiums earned983,718990,882916,906842,527872,543862,564777,425649,492530,130422,707
Net investment income236,517222,070186,139124,40988,76580,08783,54264,09140,22627,890
Benefits, claims and losses·········15,525
Total benefits, losses and expenses439,073387,413286,76012,637206,196465,058208,506172,654177,943146,376
Interest expense32,69635,31930,13715,6088,2829,07410,15110,1795,178426
Share of profit of equity-method investments17,5867,375-11,11828,67656,386-215-19911100
Income before income taxes821,862855,491822,999988,187822,314490,096659,061546,699398,568311,882
Income tax expense131,893126,088126,613156,834140,53177,055103,34879,33618,82189,276
Net income689,969729,403696,386831,353681,783413,041555,713467,363379,747222,606
Net income to common shareholders··696,386831,353681,783413,041555,713467,363379,747222,606
Earnings per share, basic6.976.926.567.756.133.895.684.804.072.45
Earnings per share, diluted6.906.856.507.726.113.885.664.773.992.41
Weighted average shares, basic98,999105,394106,222107,205111,164106,09897,76297,40393,33090,913
Weighted average shares, diluted100,023106,550107,129107,653111,555106,37698,22797,97495,21192,245
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Revenue what customers paid for what it soldus-gaap:Revenues
Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating
Premiums earned insurance premiums earned in the periodus-gaap:PremiumsEarnedNet
Net investment income what its investments earnedus-gaap:NetInvestmentIncome
Benefits, claims and losses what it paid or set aside for claimsus-gaap:PolicyholderBenefitsAndClaimsIncurredNet
Total benefits, losses and expenses claims and every other cost togetherus-gaap:BenefitsLossesAndExpenses
Interest expense what its borrowing costus-gaap:InterestExpenseNonoperating
us-gaap:InterestExpense
Share of profit of equity-method investments its share of companies it partly ownsus-gaap:IncomeLossFromEquityMethodInvestments
Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit
Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss
Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic
Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic
Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted
Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic
Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding
SI Assistanton ESNT · research, not advice