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Essent Group ESNT Q4 2025 Annual earnings

Reported February 13, 2026 · Before market open

Revenue$312.4MMiss by $217.9K
EPS$1.60Miss by $0.14
Revenue estimate$312.6M
EPS estimate$1.74

Next report

Aug 7, 2026 (In 1 week)
Revenue estimate$321.6M
EPS estimate$1.77

Financials

Q4 2025

Income statement

See full
Revenue$312.4M-0.8%
Net income$155.0M-7.7%
EPS (diluted)$1.61+1.3%

Balance sheet

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Cash & equivalents$123.0M-6.4%
Total debt$36.6M+1.2%
Total equity$5.8B+2.7%
Total assets$7.4B+4.6%

Cash flow

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Operating cash flow$229.1M+1.1%
CapEx$1.1M+58.1%
Free cash flow$228.0M+0.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$6.28B+8.7%
Enterprise value$6.2B+9.0%
P/E9.1×+1.2×
P/S5×+0.3×

Profitability

See full
Net margin54.7%-4.0pp
FCF margin67.3%-1.5pp

Returns & leverage

See full
Return on equity12.1%-1.5pp
Debt / equity0×0.0×

Segments

By segment

See full
Mortgage Insurance$192.4M+4.7%

Versus estimates

Revenue

Q1 2026$336.1MBeat by $38.5M
Q4 2025$312.4MMiss by $217.9K
Q3 2025$318.7MBeat by $3.1MQ2 2025$319.1MMiss by $3.9MQ1 2025$31.8MMiss by $278.7MQ4 2024$344.4MBeat by $33.2M

Diluted EPS

Q1 2026$1.82Beat by $0.07
Q4 2025$1.60Miss by $0.14
Q3 2025$1.67Miss by $0.10Q2 2025$1.93Beat by $0.25Q1 2025$1.69Beat by $0.04Q4 2024$1.58Miss by $0.09

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Questions, answered.

When did Essent Group report Q4 2025 earnings?
Essent Group (ESNT) reported Q4 2025 earnings on February 13, 2026 before market open.
What were Essent Group's Q4 2025 revenue and EPS?
Essent Group reported revenue of $312.4M and eps of $1.60 for Q4 2025.
Did Essent Group beat estimates in Q4 2025?
Revenue missed the consensus estimate of $312.6M by $217.9K. EPS missed the consensus estimate of $1.74 by $0.14.
How did Essent Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 9.3% from $344.4M a year earlier and eps grew 1.3% from $1.58.
Where can I find Essent Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001448893-26-000003) and the 10-K periodic report (0001448893-26-000009) directly on SEC EDGAR. The filing index links above go to sec.gov.