Essent Group Ltd. Financial Ratios — ESNT Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	115.3	68.2	60.55	44.5	35.92	20.84	27.77	26.6	18.38	16.62	13.87
Return on Assets (%)	-31.95	-5.49	11.5	8.7	11.87	13.28	16.67	16.05	15.82	9.1	12.48	14.53	11.46	10.78	9.48
Return on Capital (%)	- -	- -	- -	655.92	115.3	52.27	39.42	31.27	28.29	17.78	24.37	23.82	17.15	15.67	13.11
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-239.44	-28.48	44.16	56.76	64.65	68.06	69.13	76	75.97	51.31	79.95	97.04	72.76	67.51	63.8
Profit Margin (%)	-233.22	-27.8	49.78	36.96	44.53	48.58	65.87	64.97	64.05	43.24	66.29	81.64	61.57	57.56	53.56
Net Income to Common Margin (%)	-233.22	-27.8	49.78	36.96	44.53	48.58	65.87	64.97	64.05	43.24	66.29	81.64	61.57	57.56	53.56
Effective Tax Rate (%)	- -	- -	- -	34.89	31.12	28.62	4.72	14.51	15.68	15.72	17.09	15.87	15.38	14.74	16.05
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	5.28	16.8	11.4	11.08	15.25	16.18	17.69
Sustainable Growth Rate (%)	- -	- -	- -	- -	115.3	68.2	60.55	44.5	34.03	17.34	24.61	23.65	15.58	13.93	11.41

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	- -	- -	200	497	447	448	322	420	421	422	494	495
ST Debt	- -	- -	- -	- -	- -	100	249	224	224	322	420	421	422	- -	- -
LT Debt	- -	- -	- -	- -	- -	100	249	224	224	- -	- -	- -	- -	494	495
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	-7.42	-0.54	-0.4	-0.34	-0.27	-0.3	-0.26	-0.13	-0.47	-0.23
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	5	10	10	9	8	16	30	35	33
Common Equity/Total Assets	-39.79	-34.26	-3.61	4.89	14.64	23.25	30.53	40.76	46.73	41.39	48.17	61.06	63.53	65.99	70.67
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	7.44	12.81	9.45	7.51	- -	- -	- -	- -	8.81	8.6
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	15.68	18.92	12.92	9.93	- -	- -	- -	- -	9.52	8.61
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	5.31	9.3	7.1	5.79	- -	- -	- -	- -	6.95	6.66
Total Debt/Equity (%)	- -	- -	- -	- -	- -	14.88	25.62	18.91	15.03	8.33	9.91	9.43	8.27	8.81	8.6
Total Debt/Capital (%)	- -	- -	- -	- -	- -	31.36	37.84	25.84	19.86	13	13.22	10.75	9.37	9.52	8.61
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	10.62	18.59	14.2	11.58	6.18	7.34	7.35	6.57	6.95	6.66
Net Debt to Equity	-10.51	-10.18	-66.14	-2.55	-2.2	12.83	23.38	16.16	12.63	5.67	7.99	7.61	5.49	6.47	6.47
Net Debt/Capital (%)	18.12	18.69	93.94	-73.14	-12.92	28.26	35.72	22.95	17.24	9.23	10.93	8.86	6.42	7.17	6.61
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	-3	-3	-4	-5	-3	-3	-4	-3	-2	-2	-4	-4	-17	-7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-39.79	-34.26	-3.61	4.89	14.64	23.25	30.53	40.76	46.73	41.39	48.17	61.06	63.53	65.99	70.67
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	7.44	12.81	9.45	7.51	- -	- -	- -	- -	8.81	8.6
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	15.68	18.92	12.92	9.93	- -	- -	- -	- -	9.52	8.61
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	5.31	9.3	7.1	5.79	- -	- -	- -	- -	6.95	6.66
Total Debt/Equity (%)	- -	- -	- -	- -	- -	14.88	25.62	18.91	15.03	8.33	9.91	9.43	8.27	8.81	8.6
Total Debt/Capital (%)	- -	- -	- -	- -	- -	31.36	37.84	25.84	19.86	13	13.22	10.75	9.37	9.52	8.61
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	10.62	18.59	14.2	11.58	6.18	7.34	7.35	6.57	6.95	6.66
CFO/Total Liabilities	-24.25	57.06	90.27	68.09	64.76	50.92	50.22	79.73	66.38	54.32	47.73	46.68	57.62	57.13	50.83
CFO/CapEx	-6.51	13.58	44.64	39.48	45.68	86.83	132.44	154.25	173.03	297.6	283.93	147.91	190.65	51.39	116.25
Altman's Z-Score	-0.49	-0.31	1.64	6.01	3.84	3.84	3.96	3.35	4.31	2.81	2.9	3.01	3.62	3.4	3.47

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	18.05	15.02	17.64	20.63	23.67	23.95	22.44	21.59	22.38	21.04	21.36	19.67	18.75	21.33	25.7
Days Sales Outstanding	20.22	24.31	20.69	17.69	15.42	15.24	16.27	16.9	16.31	17.35	17.09	18.56	19.47	17.11	14.2
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	338	2,159	1,978	2,943	4,052	3,329	5,083	4,583	5,061	4,168	5,602	5,738	6,436
- Cash & Cash Equivalents	19	22	478	24	25	28	44	65	71	103	81	81	142	131	123
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	200	497	447	448	322	420	421	422	494	495
Enterprise Value	-190	-270	-472	1,077	677	1,500	2,201	952	2,109	237	437	-234	619	223	704
Total Capital	-84	-97	-31	58	215	638	1,314	1,731	2,258	2,475	3,176	3,916	4,505	5,187	5,754
Total Debt/Capital (%)	- -	- -	- -	- -	- -	31.36	37.84	25.84	19.86	13	13.22	10.75	9.37	9.52	8.61
Total Debt / EV	- -	- -	- -	- -	- -	0.13	0.23	0.47	0.21	1.36	0.96	-1.8	0.68	2.21	0.7
EV/Sales	- -	- -	- -	4.5	1.91	3.27	3.82	1.32	2.43	0.25	0.42	- -	0.55	0.18	0.55
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	7.01	2.99	5.46	5.89	1.5	3.52	0.32	0.61	- -	0.78	0.25	0.8
EV/Free Cash Flow to Firm	- -	- -	- -	6.84	2.92	5.4	5.85	1.49	3.5	0.32	0.61	- -	0.78	0.25	0.79
Diluted Market Cap	- -	- -	436	2,201	2,008	2,986	4,134	3,349	5,107	4,595	5,079	4,186	5,650	5,801	6,502
Diluted Enterprise Value	-19	-22	-42	2,176	1,984	3,158	4,588	3,731	5,484	4,814	5,417	4,525	5,930	6,163	6,875
EV per Share	- -	- -	- -	12.83	7.49	16.5	23.58	9.77	21.57	2.23	3.93	- -	5.82	2.12	7.11
TTM Sales	14	49	131	239	353	458	577	719	868	955	1,029	1,018	1,131	1,267	1,288
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-8	37	119	154	227	275	374	634	598	736	716	602	789	892	884
TTM Free Cash Flow to Firm	-7	39	122	158	232	278	376	638	602	738	719	606	793	908	891

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	3.58	13.96	8.67	10.75	11.13	5.32	8.61	6.29	7.14	7.06	7.37	6.6	7.53
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-190	-270	-472	1,077	677	1,500	2,201	952	2,109	237	437	-234	619	223	704
Low Price	- -	- -	19.95	17.26	21.87	16.49	31.54	31.08	33.37	17.52	39.62	34.27	36.53	50.66	51.61
EV/Sales	- -	- -	- -	4.5	1.91	3.27	3.82	1.32	2.43	0.25	0.42	- -	0.55	0.18	0.55
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	5.17	24.4	12.57	13.22	10.67	7.12	9.15	11.1	7.42	5.01	8.04	7.87	9.33
Price/Earnings Average	- -	- -	4.71	20.93	14.57	9.68	9.45	8.37	8.29	9.89	7.51	5.27	6.99	8.28	8.52
Price/Earnings High	- -	- -	5.17	25.1	17.04	13.86	11.62	10.44	9.82	13.61	8.84	6.47	8.18	9.44	9.63
Price/Earnings Low	- -	- -	4.28	16.38	12.56	6.73	7.75	6.48	5.87	4.5	6.46	4.42	5.57	7.32	7.41
Price/Book Value	- -	- -	-10.97	37.37	9.19	6.72	4.96	2.59	2.81	2.13	1.84	1.19	1.37	1.22	1.22
Price/Book Value Average	- -	- -	-10.01	32.05	10.66	4.92	4.39	3.05	2.55	1.9	1.86	1.25	1.19	1.29	1.12
Price/Book Value High	- -	- -	-10.99	38.44	12.46	7.05	5.41	3.8	3.02	2.61	2.19	1.54	1.4	1.47	1.26
Price/Book Value Low	- -	- -	-9.1	25.09	9.19	3.42	3.6	2.36	1.8	0.86	1.6	1.05	0.95	1.14	0.97
Price/Tangible Book Value	- -	- -	0.47	2.26	1.77	2.19	2.09	1.41	1.7	1.19	1.19	0.93	1.11	1.04	1.13
Price/Tangible Book Value Average	- -	- -	0.43	1.94	2.05	1.6	1.85	1.65	1.54	1.06	1.21	0.98	0.97	1.09	1.03
Price/Tangible Book Value High	- -	- -	0.47	2.32	2.4	2.3	2.27	2.06	1.83	1.46	1.42	1.21	1.13	1.25	1.17
Price/Tangible Book Value Low	- -	- -	0.39	1.52	1.77	1.12	1.52	1.28	1.09	0.48	1.04	0.82	0.77	0.97	0.9
Price/Sales	- -	- -	2.57	9.02	5.6	6.42	7.03	4.63	5.86	4.8	4.92	4.09	4.95	4.53	5
Price/Sales Average	- -	- -	2.35	7.73	6.49	4.7	6.22	5.44	5.31	4.28	4.98	4.3	4.3	4.77	4.56
Price/Sales High	- -	- -	2.58	9.28	7.59	6.73	7.66	6.78	6.29	5.89	5.86	5.28	5.04	5.43	5.16
Price/Sales Low	- -	- -	2.13	6.05	5.59	3.27	5.11	4.21	3.76	1.95	4.28	3.61	3.43	4.21	3.97
Price/Cash Flow	- -	- -	2.84	14.05	8.73	10.72	10.99	5.32	8.62	6.3	7.14	7.08	7.34	6.66	7.52
Price/Cash Flow Average	- -	- -	2.59	12.05	10.12	7.85	9.73	6.25	7.81	5.61	7.22	7.43	6.38	7.01	6.86
Price/Cash Flow High	- -	- -	2.84	14.45	11.83	11.24	11.97	7.8	9.25	7.72	8.5	9.13	7.47	7.99	7.76
Price/Cash Flow Low	- -	- -	2.35	9.43	8.72	5.46	7.99	4.84	5.53	2.55	6.21	6.24	5.09	6.2	5.97
Price/Free Cash Flow Average	- -	- -	3.27	11.98	10.05	7.88	9.85	6.25	7.8	5.61	7.22	7.41	6.4	6.96	6.88
Price/Free Cash Flow High	- -	- -	3.59	14.37	11.76	11.27	12.12	7.8	9.25	7.72	8.5	9.11	7.49	7.93	7.77
Price/Free Cash Flow Low	- -	- -	2.97	9.38	8.67	5.48	8.09	4.84	5.53	2.55	6.21	6.22	5.1	6.15	5.98
EV/Sales Average	- -	- -	- -	7.63	6.42	5.08	7.01	5.97	5.75	4.5	5.3	4.63	4.55	5.06	4.85
EV/Sales High	- -	- -	- -	9.17	7.52	7.11	8.44	7.31	6.73	6.12	6.19	5.62	5.29	5.72	5.44
EV/Sales Low	- -	- -	- -	5.95	5.52	3.65	5.89	4.74	4.19	2.18	4.61	3.94	3.68	4.5	4.26
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	24.06	25.71	21.89	32.37	43.42	34.18	51.99	43.2	45.53	38.88	52.74	54.44	65.01
High Price	- -	- -	24.1	26.45	29.67	33.94	47.29	50.08	55.84	52.99	54.22	50.17	53.66	65.33	67.09
Enterprise Value Average	-19	-22	-169	1,828	2,268	2,328	4,041	4,293	4,984	4,302	5,456	4,717	5,147	6,406	6,248
Enterprise Value High	-19	-22	-139	2,197	2,656	3,258	4,867	5,260	5,836	5,841	6,366	5,718	5,980	7,248	7,014
Enterprise Value Low	-19	-22	-197	1,425	1,951	1,672	3,397	3,410	3,639	2,078	4,743	4,014	4,160	5,702	5,482

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	84	84	86	93	93	93	98	98	98	112	109	108	107	105	95
Diluted Weighted Avg Shares	38	38	18	86	92	92	95	98	98	106	112	108	107	107	100
Basic Weighted Avg Shares	38	38	14	84	90	91	93	97	98	106	111	107	106	105	99
Revenue per Share	0.37	1.27	9.36	2.85	3.91	5.04	6.18	7.39	8.87	9	9.25	9.5	10.65	12.02	13.01
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.87	-0.35	4.66	1.05	1.74	2.45	4.07	4.8	5.68	3.89	6.13	7.75	6.56	6.92	6.97
Basic EPS from Cont Ops	-0.87	-0.35	4.66	1.05	1.74	2.45	4.07	4.8	5.68	3.89	6.13	7.75	6.56	6.92	6.97
Diluted EPS, GAAP	-0.87	-0.35	3.61	1.03	1.72	2.41	3.99	4.77	5.66	3.88	6.11	7.72	6.5	6.85	6.9
Diluted EPS from Cont Ops	-0.87	-0.35	3.61	1.03	1.72	2.41	3.99	4.77	5.66	3.88	6.11	7.72	6.5	6.85	6.9
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	0.3	0.65	0.7	0.86	1	1.12	1.23
Cash Flow per Share	-0.21	0.95	8.47	1.83	2.51	3.02	3.95	6.42	6.03	6.86	6.38	5.49	7.18	8.17	8.65
Free Cash Flow per Basic Share	-0.25	0.88	8.28	1.78	2.45	2.99	3.92	6.38	6	6.84	6.36	5.46	7.15	8.02	8.57
Cash & Equivalents per Share	4.93	7.02	57.69	12.88	14.4	18.07	25.16	29	35	44	45.38	44.99	50.89	57.01	62.9
Book Value per Share	-2.17	-2.52	-2.19	0.69	2.38	4.81	8.75	13.18	18.51	20.29	24.8	32.6	38.44	44.53	53.12
Tangible Book Value per Share	4.58	5.7	51.42	11.38	12.39	14.78	20.79	24.29	30.53	36.41	38.11	41.62	47.35	52.41	57.36

Essent Group Ltd.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)