ESNT: the balance sheet

MyFinsight

For the year ending 2025-12-31, ESNT has $7,441,003K in assets. $1,684,276K in debts.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Balance Sheets	2025-12-31
Fixed Maturities	5,455,593
Short Term Investments	648,492
Total investments available for sale	6,104,085
Other invested assets	382,513
Total investments	6,486,598
Cash	123,049
Accrued investment income	47,371
Accounts receivable	51,267
Deferred policy acquisition costs	9,547
Property, equipment and software (at cost, less accumulated depreciation of 71,466 in 2025 and 72,270 in 2024)	49,189
Prepaid federal income tax	513,425
Goodwill and acquired intangible assets, net	78,153
Other assets	82,404
Total assets	7,441,003

Reserve for losses and lae	446,822
Unearned premium reserve	91,730
Net deferred tax liability	465,351
Senior notes due 2029, net	495,301
Other accrued liabilities	185,072
Total liabilities	1,684,276
Common shares, 0.015 par value authorized - 233,333 issued and outstanding - 95,456 shares in 2025 and 105,015 shares in 2024	1,432
Additional paid-in capital	649,895
Accumulated other comprehensive income (loss)	-151,985
Retained earnings	5,257,385
Total stockholders' equity	5,756,727
Total liabilities and stockholders' equity	7,441,003

Unit: Thousand (K) dollars