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STOCKS

Essent Group (ESNT)

NYSE:ESNT

ESNT

Essent Group

RESEARCH TOOLSreports

Essent Group (ESNT) Ratios

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406 Followers

Essent Group Ratios

ESNT's free cash flow for Q4 2025 was $0.82. For the 2025 fiscal year, ESNT's free cash flow was decreased by $ and operating cash flow was $0.62. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.34	0.34	0.00	0.41	0.93
Quick Ratio	0.34	0.34	0.00	0.41	0.93
Cash Ratio	0.24	0.24	0.00	0.28	0.19
Solvency Ratio	0.41	0.41	0.49	0.53	0.66
Operating Cash Flow Ratio	1.67	1.67	0.00	1.53	1.41
Short-Term Operating Cash Flow Coverage	143.22	143.22	0.00	0.00	0.00
Net Current Asset Value	$ -1.51B	$ -1.51B	$ -1.51B	$ -1.12B	$ -870.82M
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.08	0.07	0.07	0.07
Debt-to-Equity Ratio	0.10	0.10	0.09	0.08	0.09
Debt-to-Capital Ratio	0.09	0.09	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	1.29	1.29	1.27	1.26	1.28
Debt Service Coverage Ratio	18.82	18.82	21.82	24.26	54.46
Interest Coverage Ratio	25.14	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	6.22	6.01	5.02	4.26	4.07
Net Debt to EBITDA	0.51	0.51	0.40	0.33	0.34
Profitability Margins
Gross Profit Margin	88.34%	88.16%	93.59%	97.21%	117.16%
EBIT Margin	66.70%	67.77%	70.30%	75.43%	98.57%
EBITDA Margin	67.11%	68.19%	70.76%	75.83%	98.87%
Operating Profit Margin	64.15%	65.18%	67.51%	72.76%	97.04%
Pretax Profit Margin	64.15%	65.18%	67.51%	72.76%	97.04%
Net Profit Margin	53.85%	54.72%	57.56%	61.57%	81.64%
Continuous Operations Profit Margin	53.85%	54.72%	57.56%	61.57%	81.64%
Net Income Per EBT	83.95%	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)	9.27%	9.27%	10.26%	10.84%	14.52%
Return on Equity (ROE)	12.09%	11.99%	13.02%	13.65%	18.63%
Return on Capital Employed (ROCE)	11.86%	11.86%	12.03%	13.89%	18.63%
Return on Invested Capital (ROIC)	-335.28%	-335.28%	0.00%	18.63%	-10110.11%
Return on Tangible Assets	9.37%	9.37%	10.37%	10.96%	14.56%
Earnings Yield	12.32%	10.72%	12.71%	12.43%	19.95%
Efficiency Ratios
Receivables Turnover	24.99	24.60	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	26.05	25.63	30.26	27.38	52.03
Asset Turnover	0.17	0.17	0.18	0.18	0.18
Working Capital Turnover Ratio	-3.74	-7.44	-8.59	-7.00	0.44
Cash Conversion Cycle	14.60	14.84	16.01	20.42	20.57
Days of Sales Outstanding	14.60	14.84	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	14.60	14.84	16.01	20.42	20.57
Cash Flow Ratios
Operating Cash Flow Per Share	8.94	8.65	8.17	7.18	5.49
Free Cash Flow Per Share	8.86	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	6.61	6.61	6.90	6.92	6.13
Capital Expenditure Coverage Ratio	116.25	116.25	127.33	190.65	147.91
Operating Cash Flow Coverage Ratio	1.52	1.52	1.74	1.81	1.40
Operating Cash Flow to Sales Ratio	0.67	0.68	0.68	0.67	0.58
Free Cash Flow Yield	15.02%	13.19%	14.90%	13.55%	14.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.11	9.33	7.87	8.04	5.01
Price-to-Sales (P/S) Ratio	4.41	5.10	4.53	4.95	4.09
Price-to-Book (P/B) Ratio	0.97	1.12	1.02	1.10	0.93
Price-to-Free Cash Flow (P/FCF) Ratio	6.66	7.58	6.71	7.38	7.13
Price-to-Operating Cash Flow Ratio	6.54	7.52	6.66	7.34	7.08
Price-to-Earnings Growth (PEG) Ratio	28.20	12.91	1.43	-0.52	0.19
Price-to-Fair Value	0.97	1.12	1.02	1.10	0.93
Enterprise Value Multiple	7.08	8.00	6.80	6.86	4.48
Enterprise Value	6.09B	6.88B	6.10B	5.88B	4.51B
EV to EBITDA	7.08	8.00	6.80	6.86	4.48
EV to Sales	4.75	5.45	4.81	5.20	4.43
EV to Free Cash Flow	7.18	8.10	7.14	7.75	7.71
EV to Operating Cash Flow	7.11	8.03	7.08	7.71	7.66
Tangible Book Value Per Share	59.29	57.36	53.17	47.35	41.49
Shareholders’ Equity Per Share	60.11	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	13.38	12.74	12.02	10.65	9.50
Net Income Per Share	7.20	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	0.08	0.00	0.11	0.10	0.10
Stock-Based Compensation to Revenue	0.00	0.00	0.02	0.02	0.02
Income Quality	1.24	1.24	1.18	1.10	0.71

Currency in USD