Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $458M | $577M | $719M | $868M | $955M | $1.03B | $1.00B | $1.11B | $1.24B | $1.26B |
| Revenue growth | — | 25.8% | 24.8% | 20.6% | 10.1% | 7.7% | -2.7% | 10.9% | 12.0% | 1.5% |
| Net income | $223M | $380M | $467M | $556M | $413M | $682M | $831M | $696M | $729M | $690M |
| Net margin | 48.6% | 65.9% | 65.0% | 64.1% | 43.2% | 66.3% | 83.1% | 62.8% | 58.7% | 54.7% |
| EPS (diluted) | $2.41 | $3.99 | $4.77 | $5.66 | $3.88 | $6.11 | $7.72 | $6.50 | $6.85 | $6.90 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $275M | $369M | $625M | $590M | $728M | $709M | $589M | $763M | $862M | $856M |
| Capital expenditures | $3.16M | $2.78M | $4.05M | $3.41M | $2.45M | $2.50M | $3.98M | $4.00M | $6.77M | $7.36M |
| Free cash flow | $271M | $366M | $621M | $586M | $725M | $707M | $585M | $759M | $855M | $849M |
| Share buybacks | $4.02M | $7.58M | $31.4M | $9.01M | $6.35M | $164M | $97.9M | $70.7M | $112M | $588M |
| Dividends paid | — | $0.00 | $0.00 | $29.3M | $69.4M | $77.7M | $92.1M | $106M | $118M | $122M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $27.5M | $43.5M | $64.9M | $71.3M | $103M | $81.5M | $81.2M | $142M | $131M | $123M |
| Total assets | $1.88B | $2.67B | $3.15B | $3.87B | $5.20B | $5.72B | $5.72B | $6.43B | $7.11B | $7.44B |
| Total liabilities | $539M | $734M | $784M | $889M | $1.34B | $1.49B | $1.26B | $1.32B | $1.51B | $1.68B |
| Shareholders' equity | $1.34B | $1.94B | $2.37B | $2.98B | $3.86B | $4.24B | $4.46B | $5.10B | $5.60B | $5.76B |
| Retained earnings | $436M | $815M | $1.28B | $1.81B | $2.15B | $2.75B | $3.49B | $4.08B | $4.69B | $5.26B |
| Shares (wtd avg diluted) | 92.2M | 95.2M | 98.0M | 98.2M | 106M | 112M | 108M | 107M | 107M | 100M |
Every figure is extracted from Essent Group Ltd.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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