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STOCKS

Essent Group (ESNT)

NYSE:ESNT

ESNT

Essent Group

RESEARCH TOOLSreports

Essent Group (ESNT) Ratios

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403 Followers

Essent Group Ratios

ESNT's free cash flow for Q3 2025 was $-1.93. For the 2025 fiscal year, ESNT's free cash flow was decreased by $ and operating cash flow was $0.67. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.30	0.38	0.41	0.93	12.13
Quick Ratio	0.30	0.38	0.41	14.84	14.72
Cash Ratio	0.19	0.27	0.28	0.19	0.19
Solvency Ratio	0.44	0.49	0.53	0.66	0.46
Operating Cash Flow Ratio	1.74	1.76	1.53	1.41	1.69
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.47B	$ -1.32B	$ -1.12B	$ -870.82M	$ 3.60B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.07	0.07	0.07	0.07
Debt-to-Equity Ratio	0.00	0.09	0.08	0.09	0.10
Debt-to-Capital Ratio	0.00	0.08	0.08	0.09	0.09
Long-Term Debt-to-Capital Ratio	0.00	0.08	0.08	0.09	0.09
Financial Leverage Ratio	1.28	1.27	1.26	1.28	1.35
Debt Service Coverage Ratio	22.54	21.82	24.26	54.46	83.73
Interest Coverage Ratio	5.46	24.22	27.31	65.49	98.03
Debt to Market Cap	0.00	0.09	0.08	0.10	0.08
Interest Debt Per Share	0.33	5.02	4.26	4.07	3.85
Net Debt to EBITDA	-0.11	0.40	0.33	0.34	0.41
Profitability Margins
Gross Profit Margin	22.92%	93.59%	100.00%	82.33%	82.84%
EBIT Margin	66.47%	70.30%	75.43%	103.26%	85.44%
EBITDA Margin	66.58%	70.76%	75.83%	103.57%	85.79%
Operating Profit Margin	13.73%	67.51%	72.76%	105.14%	83.52%
Pretax Profit Margin	63.96%	67.51%	72.76%	101.65%	84.59%
Net Profit Margin	54.02%	57.56%	61.57%	85.52%	70.13%
Continuous Operations Profit Margin	54.02%	57.56%	61.57%	85.52%	70.13%
Net Income Per EBT	84.45%	85.26%	84.62%	84.13%	82.91%
EBT Per EBIT	465.86%	100.00%	100.00%	96.68%	101.28%
Return on Assets (ROA)	9.56%	10.26%	10.84%	14.52%	11.91%
Return on Equity (ROE)	12.40%	13.02%	13.65%	18.63%	16.09%
Return on Capital Employed (ROCE)	2.60%	12.92%	13.89%	19.27%	15.31%
Return on Invested Capital (ROIC)	-69.56%	-402.70%	18.63%	-10457.49%	6.98%
Return on Tangible Assets	9.66%	10.37%	10.96%	14.56%	11.95%
Earnings Yield	11.67%	12.71%	12.43%	19.95%	13.47%
Efficiency Ratios
Receivables Turnover	24.24	22.81	17.88	0.00	21.06
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	-0.03	-0.15
Fixed Asset Turnover	26.05	30.26	27.38	49.67	81.55
Asset Turnover	0.18	0.18	0.18	0.17	0.17
Working Capital Turnover Ratio	-3.73	-4.24	-7.00	0.42	0.21
Cash Conversion Cycle	15.06	16.01	20.42	-12.37K	-2.36K
Days of Sales Outstanding	15.06	16.01	20.42	0.00	17.33
Days of Inventory Outstanding	0.00	0.00	0.00	-12.37K	-2.38K
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	15.06	16.01	20.42	-12.37K	-2.36K
Cash Flow Ratios
Operating Cash Flow Per Share	8.53	8.17	7.18	5.49	6.38
Free Cash Flow Per Share	8.36	8.11	7.15	5.46	6.36
CapEx Per Share	0.17	0.06	0.04	0.04	0.02
Free Cash Flow to Operating Cash Flow	0.98	0.99	0.99	0.99	1.00
Dividend Paid and CapEx Coverage Ratio	6.15	6.90	6.92	6.13	8.84
Capital Expenditure Coverage Ratio	50.38	127.33	190.65	147.91	283.93
Operating Cash Flow Coverage Ratio	0.00	1.74	1.81	1.40	1.69
Operating Cash Flow to Sales Ratio	0.66	0.68	0.67	0.61	0.73
Free Cash Flow Yield	14.39%	14.90%	13.55%	14.03%	13.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.57	7.87	8.04	5.01	7.42
Price-to-Sales (P/S) Ratio	4.47	4.53	4.95	4.29	5.21
Price-to-Book (P/B) Ratio	1.05	1.02	1.10	0.93	1.19
Price-to-Free Cash Flow (P/FCF) Ratio	6.95	6.71	7.38	7.13	7.16
Price-to-Operating Cash Flow Ratio	7.05	6.66	7.34	7.08	7.14
Price-to-Earnings Growth (PEG) Ratio	29.69	1.43	-0.52	0.19	0.13
Price-to-Fair Value	1.05	1.02	1.10	0.93	1.19
Enterprise Value Multiple	6.61	6.80	6.86	4.48	6.47
Enterprise Value	5.73B	6.10B	5.88B	4.51B	5.40B
EV to EBITDA	6.61	6.80	6.86	4.48	6.47
EV to Sales	4.40	4.81	5.20	4.64	5.55
EV to Free Cash Flow	6.84	7.14	7.75	7.71	7.64
EV to Operating Cash Flow	6.71	7.08	7.71	7.66	7.61
Tangible Book Value Per Share	57.34	52.41	47.35	41.49	37.97
Shareholders’ Equity Per Share	57.34	53.17	48.04	41.62	38.11
Tax and Other Ratios
Effective Tax Rate	0.16	0.15	0.15	0.16	0.17
Revenue Per Share	13.00	12.02	10.65	9.07	8.74
Net Income Per Share	7.02	6.92	6.56	7.75	6.13
Tax Burden	0.84	0.85	0.85	0.84	0.83
Interest Burden	0.96	0.96	0.96	0.98	0.99
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.13	0.11	0.10	0.10	0.10
Stock-Based Compensation to Revenue	0.02	0.02	0.02	0.02	0.02
Income Quality	1.21	1.18	1.10	0.71	1.04

Currency in USD