Essent Group (0U95) Ratios
Essent Group Ratios
GB:0U95's free cash flow for Q2 2026 was $196.12M. For the 2026 fiscal year, GB:0U95's free cash flow was decreased by $-972.00K and operating cash flow was $197.09M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 5.75 | 6.51 | 0.41 | 0.93 | 12.13 |
| Quick Ratio | 5.75 | 6.51 | 0.41 | 0.93 | 12.13 |
| Cash Ratio | 0.10 | 0.13 | 0.28 | 0.19 | 0.19 |
| Solvency Ratio | 0.41 | 0.49 | 0.53 | 0.66 | 0.46 |
| Operating Cash Flow Ratio | 0.72 | 0.85 | 1.53 | 1.41 | 1.69 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ 5.15B | $ 5.09B | $ -1.12B | $ -870.82M | $ 3.60B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Debt-to-Equity Ratio | 0.09 | 0.09 | 0.08 | 0.09 | 0.10 |
| Debt-to-Capital Ratio | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 |
| Long-Term Debt-to-Capital Ratio | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 |
| Financial Leverage Ratio | 1.29 | 1.27 | 1.26 | 1.28 | 1.35 |
| Debt Service Coverage Ratio | 22.26 | 21.82 | 24.26 | 54.46 | 83.73 |
| Interest Coverage Ratio | 25.14 | 24.22 | 27.31 | 63.31 | 99.29 |
| Debt to Market Cap | 0.08 | 0.09 | 0.08 | 0.10 | 0.08 |
| Interest Debt Per Share | 5.33 | 5.02 | 4.26 | 4.07 | 3.85 |
| Net Debt to EBITDA | 0.43 | 0.40 | 0.33 | 0.34 | 0.41 |
| Profitability Margins | |||||
| Gross Profit Margin | 88.16% | 93.59% | 97.21% | 117.16% | 96.98% |
| EBIT Margin | 67.77% | 70.30% | 75.43% | 98.57% | 80.76% |
| EBITDA Margin | 68.19% | 70.76% | 75.83% | 98.87% | 81.09% |
| Operating Profit Margin | 65.18% | 67.51% | 72.76% | 97.04% | 79.95% |
| Pretax Profit Margin | 65.18% | 67.51% | 72.76% | 97.04% | 79.95% |
| Net Profit Margin | 54.72% | 57.56% | 61.57% | 81.64% | 66.29% |
| Continuous Operations Profit Margin | 54.72% | 57.56% | 61.57% | 81.64% | 66.29% |
| Net Income Per EBT | 83.95% | 85.26% | 84.62% | 84.13% | 82.91% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 9.27% | 10.26% | 10.84% | 14.52% | 11.91% |
| Return on Equity (ROE) | 11.99% | 13.02% | 13.65% | 18.63% | 16.09% |
| Return on Capital Employed (ROCE) | 13.15% | 14.03% | 13.89% | 18.63% | 15.51% |
| Return on Invested Capital (ROIC) | 11.04% | 11.96% | 18.63% | -10110.11% | 7.07% |
| Return on Tangible Assets | 9.38% | 10.37% | 10.96% | 14.56% | 11.95% |
| Earnings Yield | 10.72% | 12.71% | 12.43% | 19.95% | 13.47% |
| Efficiency Ratios | |||||
| Receivables Turnover | 12.78 | 22.81 | 17.88 | 17.74 | 22.28 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 25.63 | 30.26 | 27.38 | 52.03 | 86.28 |
| Asset Turnover | 0.17 | 0.18 | 0.18 | 0.18 | 0.18 |
| Working Capital Turnover Ratio | 0.22 | 0.48 | -7.00 | 0.44 | 0.23 |
| Cash Conversion Cycle | 28.55 | 16.01 | 20.42 | 20.57 | 16.38 |
| Days of Sales Outstanding | 28.55 | 16.01 | 20.42 | 20.57 | 16.38 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 28.55 | 16.01 | 20.42 | 20.57 | 16.38 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 8.65 | 8.17 | 7.18 | 5.49 | 6.38 |
| Free Cash Flow Per Share | 8.57 | 8.11 | 7.15 | 5.46 | 6.36 |
| Dividend Paid and CapEx Coverage Ratio | 6.61 | 6.90 | 6.92 | 6.13 | 8.84 |
| Capital Expenditure Coverage Ratio | 116.25 | 127.33 | 190.65 | 147.91 | 283.93 |
| Operating Cash Flow Coverage Ratio | 1.73 | 1.74 | 1.81 | 1.40 | 1.69 |
| Operating Cash Flow to Sales Ratio | 0.68 | 0.68 | 0.67 | 0.58 | 0.69 |
| Free Cash Flow Yield | 13.19% | 14.90% | 13.55% | 14.03% | 13.96% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.33 | 7.87 | 8.04 | 5.01 | 7.42 |
| Price-to-Sales (P/S) Ratio | 5.10 | 4.53 | 4.95 | 4.09 | 4.92 |
| Price-to-Book (P/B) Ratio | 1.12 | 1.02 | 1.10 | 0.93 | 1.19 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 7.58 | 6.71 | 7.38 | 7.13 | 7.16 |
| Price-to-Operating Cash Flow Ratio | 7.52 | 6.66 | 7.34 | 7.08 | 7.14 |
| Price-to-Earnings Growth (PEG) Ratio | 12.91 | 1.43 | -0.52 | 0.19 | 0.13 |
| Enterprise Value Multiple | 7.92 | 6.80 | 6.86 | 4.48 | 6.47 |
| Enterprise Value | 6.81B | 6.10B | 5.88B | 4.51B | 5.40B |
| EV to EBITDA | 7.92 | 6.80 | 6.86 | 4.48 | 6.47 |
| EV to Sales | 5.40 | 4.81 | 5.20 | 4.43 | 5.25 |
| EV to Free Cash Flow | 8.02 | 7.14 | 7.75 | 7.71 | 7.64 |
| EV to Operating Cash Flow | 7.95 | 7.08 | 7.71 | 7.66 | 7.61 |
| Tangible Book Value Per Share | 57.26 | 52.32 | 47.35 | 41.49 | 37.97 |
| Shareholders’ Equity Per Share | 58.15 | 53.17 | 48.04 | 41.62 | 38.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.16 | 0.15 | 0.15 | 0.16 | 0.17 |
| Revenue Per Share | 12.74 | 12.02 | 10.65 | 9.50 | 9.25 |
| Net Income Per Share | 6.97 | 6.92 | 6.56 | 7.75 | 6.13 |
| Tax Burden | 0.84 | 0.85 | 0.85 | 0.84 | 0.83 |
| Interest Burden | 0.96 | 0.96 | 0.96 | 0.98 | 0.99 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.11 | 0.10 | 0.10 | 0.10 |
| Stock-Based Compensation to Revenue | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Income Quality | 1.24 | 1.18 | 1.10 | 0.71 | 1.04 |
Currency in USD
