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Cash Flow Overview

Free Cash flow
$196,118K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from maturity and paydo...
    • Net income
    • Proceeds from sales of investmen...
    • Others
Negative Cash Flow Breakdown
    • Purchase of investments availabl...
    • Treasury stock acquired
    • Purchase of other invested asset...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
189,714
171,799
154,982
164,215
Realized investment losses, net
-111
-147
-188
-425
Income from other invested assets
19,385
10,179
3,942
1,770
Distribution of income from other invested assets
5,167
1,346
4,200
5,173
Depreciation and amortization
1,200
1,233
1,254
1,265
Loss on disposal of property and equipment
-
-
-2
-66
Stock-based compensation expense
3,351
7,338
4,043
3,862
Amortization of premium on investment securities
2,445
3,802
3,867
3,504
Deferred income tax provision (benefit)
-3,044
-5,209
25,206
1,985
Accrued investment income
3,431
-2,496
4,367
-2,936
Accounts receivable
25,488
92,945
-2,498
1,864
Deferred policy acquisition costs
11,956
47,354
356
-46
Prepaid federal income tax
-17,100
0
22,969
-6,900
Other assets
14,582
30,433
8,149
427
Reserve for losses and lae
33,133
38,844
49,684
32,389
Unearned premium reserve
30,521
134,576
-4,852
-5,801
Other accrued liabilities
-7,766
16,583
27,803
2,953
Net cash provided by operating activities
197,090
192,044
229,092
215,857
Net change in short-term investments
861
-25,458
8,415
57,043
Purchase of investments available for sale
278,348
257,426
309,524
208,601
Proceeds from maturity and paydowns of investments available for sale
250,952
212,993
200,561
216,016
Proceeds from sales of investments available for sale
34,996
39,317
89,426
4,171
Purchase of other invested assets
34,234
5,742
14,123
15,068
Return of investment from other invested assets
888
2,798
1,423
1,416
Net cash paid in acquisition
-
-
0
-
Purchase of intangible assets
-
-
0
-
Purchase of property and equipment and capitalization of internal-use software
972
818
1,140
5,261
Net cash used in investing activities
-27,579
16,580
-41,792
-64,370
Issuance of senior notes
-
-
0
0
Credit facility repayments
-
-
0
0
Treasury stock acquired
191,805
170,860
126,180
122,137
Payment of debt issuance costs
-
-
0
0
Dividends paid
31,635
32,551
29,482
30,055
Net cash used in financing activities
-223,440
-203,411
-155,662
-152,192
Net decrease in cash
-53,929
5,213
31,638
-705
Cash at beginning of year
128,262
123,049
91,411
131,480
Cash at end of period
74,333
128,262
123,049
91,411
Income tax payments
73,525
-
-
-
Interest payments
15,625
-
-
-
Excise taxes payable for share repurchases
0
-
-
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net income$189,714K (-48.83%↓ Y/Y)Reserve for losses andlae$33,133K (-7.66%↓ Y/Y)Unearned premium reserve$30,521K (324.40%↑ Y/Y)Prepaid federal incometax-$17,100K (-320.47%↓ Y/Y)Distribution of income fromother invested assets$5,167K (55.31%↑ Y/Y)Stock-based compensationexpense$3,351K (-74.11%↓ Y/Y)Amortization of premium oninvestment securities$2,445K (-65.11%↓ Y/Y)Depreciation andamortization$1,200K (-55.78%↓ Y/Y)Realized investmentlosses, net-$111K (64.19%↑ Y/Y)Net cash provided byoperating activities$197,090K (-52.06%↓ Y/Y)Canceled cashflow$85,652K Net decrease in cash-$53,929K (-37.00%↓ Y/Y)Canceled cashflow$197,090K Proceeds from maturityand paydowns of...$250,952K (-39.51%↓ Y/Y)Proceeds from sales ofinvestments available for...$34,996K (462.09%↑ Y/Y)Return of investmentfrom other invested...$888K (-28.44%↓ Y/Y)Accounts receivable$25,488K (773.22%↑ Y/Y)Income from otherinvested assets$19,385K (63.26%↑ Y/Y)Other assets$14,582K (579.18%↑ Y/Y)Deferred policyacquisition costs$11,956K (2974.04%↑ Y/Y)Other accruedliabilities-$7,766K (21.36%↑ Y/Y)Accrued investmentincome$3,431K (55.39%↑ Y/Y)Deferred income taxprovision (benefit)-$3,044K (-114.22%↓ Y/Y)Net cash used infinancing activities-$223,440K (44.40%↑ Y/Y)Net cash used ininvesting activities-$27,579K (43.23%↑ Y/Y)Canceled cashflow$286,836K Treasury stock acquired$191,805K (-43.48%↓ Y/Y)Dividends paid$31,635K (-49.41%↓ Y/Y)Purchase of investmentsavailable for sale$278,348K (-53.79%↓ Y/Y)Purchase of otherinvested assets$34,234K (-29.58%↓ Y/Y)Purchase of property andequipment and...$972K (0.93%↑ Y/Y)Net change inshort-term investments$861K (100.48%↑ Y/Y)

Essent Group Ltd. (ESNT)

Essent Group Ltd. (ESNT)