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Essent Group (ESNT)
NYSE:ESNT
US Market
ESNT
Essent Group
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Essent Group (ESNT) Ratios

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Essent Group Ratios

ESNT's free cash flow for Q1 2026 was $0.85. For the 2026 fiscal year, ESNT's free cash flow was decreased by $ and operating cash flow was $0.65. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 5.91 5.75 0.00 0.41 0.93
Quick Ratio
 5.91 5.75 0.00 0.41 0.93
Cash Ratio
 0.11 0.10 0.00 0.28 0.19
Solvency Ratio
 0.37 0.41 0.49 0.53 0.66
Operating Cash Flow Ratio
 0.71 0.72 0.00 1.53 1.41
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ 5.01B$ 5.15B$ -1.51B$ -1.12B$ -870.82M
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.07 0.07 0.07
Debt-to-Equity Ratio
 0.09 0.09 0.09 0.08 0.09
Debt-to-Capital Ratio
 0.08 0.08 0.08 0.08 0.09
Long-Term Debt-to-Capital Ratio
 0.08 0.08 0.08 0.08 0.09
Financial Leverage Ratio
 1.33 1.29 1.27 1.26 1.28
Debt Service Coverage Ratio
 22.15 22.26 21.82 24.26 54.46
Interest Coverage Ratio
 25.13 25.14 24.22 27.31 63.31
Debt to Market Cap
 0.09 0.08 0.09 0.08 0.10
Interest Debt Per Share
 5.63 5.33 5.02 4.26 4.07
Net Debt to EBITDA
 0.43 0.43 0.40 0.33 0.34
Profitability Margins
Gross Profit Margin
87.08%88.16%93.59%97.21%117.16%
EBIT Margin
66.39%67.77%70.30%75.43%98.57%
EBITDA Margin
66.78%68.19%70.76%75.83%98.87%
Operating Profit Margin
63.85%65.18%67.51%72.76%97.04%
Pretax Profit Margin
63.85%65.18%67.51%72.76%97.04%
Net Profit Margin
53.34%54.72%57.56%61.57%81.64%
Continuous Operations Profit Margin
53.34%54.72%57.56%61.57%81.64%
Net Income Per EBT
83.54%83.95%85.26%84.62%84.13%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
9.07%9.27%10.26%10.84%14.52%
Return on Equity (ROE)
12.01%11.99%13.02%13.65%18.63%
Return on Capital Employed (ROCE)
12.83%13.15%12.03%13.89%18.63%
Return on Invested Capital (ROIC)
10.72%11.04%0.00%18.63%-10110.11%
Return on Tangible Assets
9.23%9.38%10.37%10.96%14.56%
Earnings Yield
12.04%10.72%12.71%12.43%19.95%
Efficiency Ratios
Receivables Turnover
 6.81 12.78 22.81 17.88 17.74
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 26.64 25.63 30.26 27.38 52.03
Asset Turnover
 0.17 0.17 0.18 0.18 0.18
Working Capital Turnover Ratio
 0.23 0.45 -8.59 -7.00 0.44
Cash Conversion Cycle
 53.61 28.55 16.01 20.42 20.57
Days of Sales Outstanding
 53.61 28.55 16.01 20.42 20.57
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 53.61 28.55 16.01 20.42 20.57
Cash Flow Ratios
Operating Cash Flow Per Share
 8.81 8.65 8.17 7.18 5.49
Free Cash Flow Per Share
 8.73 8.57 8.11 7.15 5.46
CapEx Per Share
 0.08 0.07 0.06 0.04 0.04
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.99 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
 6.31 6.61 6.90 6.92 6.13
Capital Expenditure Coverage Ratio
 103.82 116.25 127.33 190.65 147.91
Operating Cash Flow Coverage Ratio
 1.67 1.73 1.74 1.81 1.40
Operating Cash Flow to Sales Ratio
 0.64 0.68 0.68 0.67 0.58
Free Cash Flow Yield
14.61%13.19%14.90%13.55%14.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.31 9.33 7.87 8.04 5.01
Price-to-Sales (P/S) Ratio
 4.35 5.10 4.53 4.95 4.09
Price-to-Book (P/B) Ratio
 1.00 1.12 1.02 1.10 0.93
Price-to-Free Cash Flow (P/FCF) Ratio
 6.84 7.58 6.71 7.38 7.13
Price-to-Operating Cash Flow Ratio
 6.90 7.52 6.66 7.34 7.08
Price-to-Earnings Growth (PEG) Ratio
 3.19 12.91 1.43 -0.52 0.19
Price-to-Fair Value
 1.00 1.12 1.02 1.10 0.93
Enterprise Value Multiple
 6.95 7.92 6.80 6.86 4.48
Enterprise Value
 5.97B 6.81B 6.10B 5.88B 4.51B
EV to EBITDA
 6.95 7.92 6.80 6.86 4.48
EV to Sales
 4.64 5.40 4.81 5.20 4.43
EV to Free Cash Flow
 7.29 8.02 7.14 7.75 7.71
EV to Operating Cash Flow
 7.22 7.95 7.08 7.71 7.66
Tangible Book Value Per Share
 59.28 57.26 53.17 47.35 41.49
Shareholders’ Equity Per Share
 60.72 58.15 53.17 48.04 41.62
Tax and Other Ratios
Effective Tax Rate
 0.16 0.16 0.15 0.15 0.16
Revenue Per Share
 13.72 12.74 12.02 10.65 9.50
Net Income Per Share
 7.32 6.97 6.92 6.56 7.75
Tax Burden
 0.84 0.84 0.85 0.85 0.84
Interest Burden
 0.96 0.96 0.96 0.96 0.98
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.05 0.00 0.11 0.10 0.10
Stock-Based Compensation to Revenue
 >-0.01 0.00 0.02 0.02 0.02
Income Quality
 1.20 1.24 1.18 1.10 0.71
Currency in USD