Essent Group Balance Sheet Health
Financial Health criteria checks 6/6
Essent Group has a total shareholder equity of $5.7B and total debt of $495.0M, which brings its debt-to-equity ratio to 8.6%. Its total assets and total liabilities are $7.4B and $1.6B respectively. Essent Group's EBIT is $865.0M making its interest coverage ratio 26.5. It has cash and short-term investments of $731.5M.
Key information
8.62%
Debt to equity ratio
US$494.97m
Debt
| Interest coverage ratio | 26.5x |
| Cash | US$731.49m |
| Equity | US$5.74b |
| Total liabilities | US$1.61b |
| Total assets | US$7.35b |
Recent financial health updates
No updates
Recent updates
Essent Group: Upgrading To Hold As Interest Rates Decline
Sep 19Earnings Beat: Essent Group Ltd. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
Aug 11
Essent Group Ltd. (NYSE:ESNT) Just Released Its First-Quarter Results And Analysts Are Updating Their Estimates
May 14Earnings Working Against Essent Group Ltd.'s (NYSE:ESNT) Share Price
May 01Essent Group Ltd.'s (NYSE:ESNT) Price Is Right But Growth Is Lacking
Dec 18Insuring Growth: Essent Group's Q2 Earnings Paint A Bright Picture
Aug 29
Elevated Interest Rates And Tactical Diversifications Poised To Bolster Earnings
Favorable demographics and housing supply/demand imbalance boost the value of insured properties, potentially lowering claim rates and increasing revenues.Essent: Still Worried About Unemployment
Dec 07Essent Group: Insurances Grow And So Does The Buy Case
Aug 26Essent Group raises dividend to $0.25/share
Feb 10Essent's Catalyst Is The End To Economic Uncertainty
Jan 10Financial Position Analysis
Short Term Liabilities: ESNT's short term assets ($1.3B) exceed its short term liabilities ($506.1M).
Long Term Liabilities: ESNT's short term assets ($1.3B) exceed its long term liabilities ($1.1B).
Debt to Equity History and Analysis
Debt Level: ESNT has more cash than its total debt.
Reducing Debt: ESNT's debt to equity ratio has reduced from 11.3% to 8.6% over the past 5 years.
Debt Coverage: ESNT's debt is well covered by operating cash flow (172.5%).
Interest Coverage: ESNT's interest payments on its debt are well covered by EBIT (26.5x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/11/26 22:39 |
| End of Day Share Price | 2025/11/26 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Essent Group Ltd. is covered by 17 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| Mihir Bhatia | BofA Global Research |