Essent Group Ltd. (ESNT) Earnings History
Growth Compounder15 years of earnings data (2011–2025) · Consistent double-digit EPS growth over 5 years
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Essent Group Ltd. (ESNT) Earnings Overview
As of June 20, 2026, Essent Group Ltd. (ESNT) reported trailing twelve-month net income of $686M, reflecting +0.7% year-over-year growth. The company earned $7.26 per diluted share over the past four quarters, with a net profit margin of 54.7%.
Looking at the long-term picture, ESNT's 5-year EPS compound annual growth rate (CAGR) stands at +12.2%, showing solid earnings momentum. The company achieved its highest annual net income of $831M in fiscal 2022.
Essent Group Ltd. maintains industry-leading profitability with a gross margin of 88.2%, operating margin of 65.2%, and net margin of 54.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MTG ($718M net income, 60.8% margin), RDN ($562M net income, 46.7% margin), NMIH ($389M net income, 55.1% margin), ESNT has room to improve margins relative to the peer group. Compare ESNT vs MTG →
ESNT Earnings vs Peers
Earnings metrics vs comparable public companies
ESNT Historical Earnings Data (2011–2025)
15 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $690M | -5.4% | $822M | $6.90 | 54.7% | 65.2% |
| 2024 | $729M | +4.7% | $855M | $6.85 | 57.6% | 67.5% |
| 2023 | $696M | -16.2% | $823M | $6.50 | 61.6% | 72.8% |
| 2022 | $831M | +21.9% | $988M | $7.72 | 81.6% | 97.0% |
| 2021 | $682M | +65.1% | $822M | $6.11 | 66.3% | 80.0% |
| 2020 | $413M | -25.7% | $490M | $3.88 | 43.2% | 51.3% |
| 2019 | $556M | +18.9% | $659M | $5.66 | 64.1% | 76.0% |
| 2018 | $467M | +23.1% | $547M | $4.77 | 65.0% | 76.0% |
| 2017 | $380M | +70.6% | $399M | $3.99 | 65.9% | 69.1% |
| 2016 | $223M | +41.5% | $312M | $2.41 | 48.6% | 68.1% |
| 2015 | $157M | +77.8% | $228M | $1.72 | 44.5% | 64.6% |
| 2014 | $88M | +35.3% | $136M | $1.03 | 37.0% | 56.8% |
| 2013 | $65M | +583.0% | $58M | $0.70 | 49.8% | 44.2% |
| 2012 | -$14M | +59.6% | -$14M | $-0.35 | -27.8% | -28.5% |
| 2011 | -$34M | - | -$34M | $-0.87 | -233.2% | -239.4% |
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ESNT — Frequently Asked Questions
Quick answers to the most common questions about buying ESNT stock.
What is ESNT earnings per share (EPS)?
ESNT trailing twelve-month (TTM) diluted EPS is $7.26, reflecting +0.7% year-over-year growth. The 5-year EPS CAGR is +12.2%. Complete EPS history from 2011 to 2025 is available in the table on this page.
What is Essent Group Ltd.'s net income?
Essent Group Ltd. (ESNT) trailing twelve-month net income is $686M as of 2025. Earnings grew +0.7% year-over-year. Essent Group Ltd. has been profitable for 13 consecutive years.
Is ESNT profitable?
Yes, ESNT is profitable with a TTM net income of $686M and a net profit margin of +54.7%. Essent Group Ltd. has generated profits for 13 consecutive years.
What is ESNT's earnings growth rate?
ESNT compound annual EPS growth rates (CAGR): 1-Year: +0.7%, 3-Year: -3.7%, 5-Year: +12.2%, 10-Year: +14.9%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2011 to 2025.
What are ESNT's profit margins?
Essent Group Ltd. net profit margin is +54.7%, operating margin is +65.2%, and gross margin is +88.2%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.1%.
Is ESNT growing earnings?
ESNT earnings growth is slowing. Current YoY EPS growth of +0.7% trails the 5-year CAGR of +12.2%. TTM net income is $686M.
What was ESNT's best earnings year?
Essent Group Ltd.'s highest annual net income on record is $831M, achieved in fiscal year 2022. Earnings history on this page spans 2011 to 2025 and includes all annual and quarterly figures.
What were ESNT's earnings last quarter?
ESNT's most recent reported quarter was Q1 2026. Net income was $172M with diluted EPS of $1.82. For a full breakdown of all quarters, see the quarterly earnings table on this page.