Where do Essent Group's ratios come from?

Every ratio is computed from Essent Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Essent Group ESNT Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	54.7%-4.0pp	58.7%-4.1pp	62.8%-20.3pp	83.1%+16.8pp
EBITDA margin	68.2%-4.0pp	72.1%-5.1pp	77.3%+3.3pp	73.9%+16.9pp
Free cash flow margin	67.3%-1.5pp	68.8%+0.4pp	68.4%+10.0pp	58.4%-10.3pp
Returns
Return on equity	12.1%-1.5pp	13.6%-0.9pp	14.6%-4.6pp	19.1%+2.3pp
Return on assets	9.5%-1.3pp	10.8%-0.7pp	11.5%-3.1pp	14.5%+2.0pp
Return on invested capital	12.8%-1.1pp	13.9%-0.2pp	14.1%+0.9pp	13.2%+2.0pp
Efficiency
Asset turnover	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×
Leverage
Debt-to-equity	0×0.0×	0×-0.1×	0.1×0.0×	0.1×0.0×
Debt-to-assets	0×0.0×	0×-0.1×	0.1×0.0×	0.1×0.0×
Net debt / EBITDA	-0.1×0.0×	-0.1×-0.5×	0.4×-0.1×	0.5×-0.1×
Interest coverage	26.1×+0.9×	25.2×-3.1×	28.3×-18.9×	47.2×-23.3×
Per Share
Book value per share	$57.55+9.4%	$52.59+10.4%	$47.63+14.9%	$41.45+9.2%
Valuation
Market capitalization	$6.28B+8.7%	$5.78B+2.7%	$5.63B+34.5%	$4.19B-16.7%
Enterprise value	$6.2B+9.0%	$5.69B-4.4%	$5.95B+30.9%	$4.55B-15.5%
Price / earnings	9.1×+1.2×	7.9×-0.2×	8.1×+3.0×	5×-2.3×
Price / sales	5×+0.3×	4.7×-0.4×	5.1×+0.9×	4.2×-0.7×
Price / book	1.1×+0.1×	1×-0.1×	1.1×+0.2×	0.9×-0.2×
EV / EBITDA	7.2×+0.9×	6.3×-0.6×	6.9×+0.8×	6.1×-3.0×
EV / sales	4.9×+0.3×	4.6×-0.8×	5.4×+0.8×	4.5×-0.7×
Free cash flow yield	13.5%-1.3pp	14.8%+1.3pp	13.5%-0.5pp	14%-0.1pp
Earnings yield	11%-1.6pp	12.6%+0.2pp	12.4%-7.5pp	19.9%+6.3pp
Dividend yield	1.9%-0.1pp	2%+0.2pp	1.9%-0.3pp	2.2%+0.7pp

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Questions, answered.

Where do Essent Group's ratios come from?: Every ratio is computed from Essent Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.