Financial Statements — ESNT
Balance Sheet
(in billions USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.07 | 0.13 | 0.09 | 0.09 | 0.21 | 0.11 | 0.20 | 0.16 | 0.10 | 0.07 | 0.07 | 0.08 | 0.08 | 0.20 | 0.07 | 0.14 | 0.08 |
| Total Assets | 7.59 | 7.57 | 7.35 | 7.22 | 7.20 | 7.13 | 6.69 | 6.56 | 6.09 | 5.98 | 5.93 | 5.56 | 5.52 | 5.59 | 5.59 | 5.52 | 5.33 |
| Total Liabilities | 1.93 | 1.87 | 1.61 | 1.55 | 1.55 | 1.49 | 1.31 | 1.34 | 1.29 | 1.25 | 1.28 | 1.26 | 1.25 | 1.37 | 1.42 | 1.44 | 1.41 |
| Retained Earnings | 5.55 | 5.40 | 5.13 | 5.00 | 4.83 | 4.55 | 4.41 | 4.23 | 3.93 | 3.78 | 3.64 | 3.37 | 3.22 | 3.01 | 2.59 | 2.41 | 2.27 |
| Total Stockholder Equity | 5.66 | 5.70 | 5.74 | 5.67 | 5.66 | 5.64 | 5.38 | 5.23 | 4.81 | 4.73 | 4.65 | 4.29 | 4.27 | 4.22 | 4.17 | 4.08 | 3.92 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Net Premiums Earned | 276.76 | 260.09 | 242.73 | 246.33 | 248.81 | 245.85 | 244.47 | 248.94 | 251.89 | 245.59 | 245.61 | 246.81 | 213.23 | 211.26 | 207.25 | 207.93 | 212.01 | 215.33 | 217.32 | 218.72 |
| Net Investment Income | 61.61 | 59.26 | 59.22 | 59.80 | 59.29 | 58.21 | 56.56 | 57.34 | 56.09 | 52.09 | 50.58 | 47.07 | 45.25 | 43.24 | 37.80 | 32.59 | 29.34 | 24.68 | 23.66 | 21.57 |
| Total Revenue | 362.69 | 336.07 | 312.40 | 311.83 | 319.14 | 317.56 | 315.03 | 316.58 | 312.94 | 298.36 | 297.28 | 296.11 | 260.13 | 256.25 | 230.04 | 261.77 | 244.41 | 264.61 | 256.92 | 283.54 |
| Total Benefits & Expenses | 132.37 | 129.35 | 127.88 | 112.67 | 87.97 | 110.56 | 120.08 | 109.00 | 73.72 | 84.62 | 94.32 | -- | 50.83 | 54.95 | -- | -- | -- | -- | 39.89 | 36.85 |
| Operating Income | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 63.84 | -- | -- |
| Tax Provision | 40.60 | 34.93 | 29.55 | 34.94 | 35.84 | 31.57 | 27.05 | 31.40 | 35.62 | 32.02 | 27.59 | 31.48 | 37.07 | 30.47 | 25.63 | 32.87 | 44.05 | 54.28 | 36.03 | 41.33 |
| Net Income | 189.71 | 171.80 | 154.98 | 164.22 | 195.34 | 175.43 | 167.90 | 176.18 | 203.61 | 181.72 | 175.37 | 177.96 | 172.23 | 170.83 | 147.37 | 178.05 | 231.77 | 274.17 | 180.99 | 205.35 |
| Diluted EPS | 2.08 | 1.82 | 1.61 | 1.67 | 1.93 | 1.69 | 1.59 | 1.65 | 1.91 | 1.70 | 1.64 | 1.66 | 1.61 | 1.59 | 1.38 | 1.66 | 2.16 | 2.52 | 1.64 | 1.84 |
Cash Flow Statement
(in millions USD)| Metric | Q2
2026 | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 |
|---|
| Operating Cash Flow | 197.09 | 192.04 | 229.09 | 215.86 | 189.54 | 221.57 | 226.71 | 229.20 | 188.69 | 216.94 | 215.45 | 195.05 | 167.71 | 184.79 | 172.36 | 172.56 | 63.27 | 180.63 | 191.09 | 178.37 |
| Capital Expenditures | 0.97 | 0.82 | 1.14 | 5.26 | 0.74 | 0.22 | 0.72 | 0.50 | 1.06 | 4.48 | 2.16 | 1.05 | 0.41 | 0.39 | 1.47 | 0.86 | 0.93 | 0.72 | 0.80 | 0.93 |
| Free Cash Flow* | 196.12 | 191.23 | 227.95 | 210.60 | 188.80 | 221.35 | 225.98 | 228.70 | 187.63 | 212.45 | 213.29 | 194.00 | 167.30 | 184.40 | 170.89 | 171.70 | 62.34 | 179.91 | 190.29 | 177.44 |
| Investing Cash Flow | (27.58) | 16.58 | (41.79) | (64.37) | (104.11) | 55.53 | (107.90) | (343.75) | (103.97) | (151.30) | (129.23) | (134.83) | (112.16) | (149.34) | (145.86) | (147.41) | (144.49) | 38.89 | (179.75) | (163.90) |
| Financing Cash Flow | (223.44) | (203.41) | (155.66) | (152.19) | (201.38) | (200.51) | (96.63) | 26.45 | (51.57) | (43.17) | (41.22) | (31.53) | (56.08) | (48.05) | (24.73) | (23.53) | (44.77) | (97.17) | 4.33 | (90.79) |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2
2026 | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Dividends Per Share | 0.35 | 0.35 | 0.31 | 0.31 | 0.31 | 0.25 | 0.28 | 0.28 | 0.28 | 0.17 | 0.25 | 0.25 | 0.25 | 0.13 | 0.22 | 0.21 | 0.20 | 0.16 | 0.18 | 0.17 |
