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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 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$5.39B-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×

Where this comes from

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $36.65M.

The official record: Essent Group’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Essent Group's total debt?
Essent Group (ESNT) reported total debt of $36.65M in Q4 2025.
How has Essent Group's total debt changed year-over-year?
Essent Group's total debt increased by 1.2% year-over-year, from $36.2M to $36.65M.
What is the long-term trend for Essent Group's total debt?
Over 5 years (2020 to 2025), Essent Group's total debt has grown at a -35.8% compound annual growth rate (CAGR), from $335.9M to $36.65M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.