What is Essent Group's net debt?

Essent Group (ESNT) reported net debt of -$86.4M in Q4 2025.

How has Essent Group's net debt changed year-over-year?

Essent Group's net debt increased by 9.3% year-over-year, from -$95.28M to -$86.4M.

What is the long-term trend for Essent Group's net debt?

Over 5 years (2020 to 2025), Essent Group's net debt has grown at a -18.0% compound annual growth rate (CAGR), from $233.07M to -$86.4M.

What does net debt mean?

Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.

Essent Group ESNT Net debt

Discontinued — last reported Q4 '25

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Other financials

Income statement

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Revenue$336.1M+5.8%

Operating income$63.8M—

Net income$171.8M-2.1%

EPS (diluted)$1.82+7.7%

Balance sheet

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Cash & equivalents$128.3M-38.4%

Total debt$36.6M+1.2%

Total equity$5.7B+0.7%

Total assets$7.6B+5.1%

Cash flow

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Operating cash flow$192.0M-13.3%

CapEx$818.0K+270%

Free cash flow$191.2M-13.6%

Valuation

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Market cap$5.51B-7.9%

Profitability

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Net margin53.6%-3.7pp

FCF margin64%-4.5pp

Returns & leverage

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Return on equity12.1%-1.2pp

Debt / equity0×0.0×

Where this comes from

Calculated from Essent Group’s reported figures.

$36.6Mtotal debt−$123.0Mcash and equivalents=-$86.4M

The official record: Essent Group’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Essent Group's net debt?: Essent Group (ESNT) reported net debt of -$86.4M in Q4 2025.
How has Essent Group's net debt changed year-over-year?: Essent Group's net debt increased by 9.3% year-over-year, from -$95.28M to -$86.4M.
What is the long-term trend for Essent Group's net debt?: Over 5 years (2020 to 2025), Essent Group's net debt has grown at a -18.0% compound annual growth rate (CAGR), from $233.07M to -$86.4M.
What does net debt mean?: Total debt minus cash and equivalents at the quarter end. The debt that would remain if the company used all its cash to pay down borrowings.