For the year ending 2025-12-31, ESNT had -$8,431K decrease in cash & cash equivalents over the period. $848,689K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 689,969 |
| Realized investment losses, net | -923 |
| (income) loss from other invested assets | 17,586 |
| Distribution of income from other invested assets | 12,700 |
| Depreciation and amortization | 5,233 |
| Loss on disposal of property and equipment | -68 |
| Stock-based compensation expense | 20,847 |
| Amortization of premium on investment securities | 14,378 |
| Deferred income tax provision (benefit) | 48,600 |
| Accrued investment income | 3,639 |
| Accounts receivable | -4,420 |
| Deferred policy acquisition costs | -106 |
| Prepaid federal income tax | 23,825 |
| Other assets | 10,723 |
| Reserve for losses and lae | 117,956 |
| Unearned premium reserve | -24,254 |
| Other accrued liabilities | 20,880 |
| Net cash provided by operating activities | 856,053 |
| Net change in short-term investments | -115,532 |
| Purchase of investments available for sale | 1,120,438 |
| Proceeds from maturities and paydowns of investments available for sale | 831,437 |
| Proceeds from sales of investments available for sale | 99,823 |
| Purchase of other invested assets | 77,808 |
| Return of investment from other invested assets | 4,080 |
| Net cash paid in acquisition | 0 |
| Purchase of intangible assets | 0 |
| Purchases of property and equipment and capitalization of internal-use software | 7,364 |
| Net cash used in investing activities | -154,738 |
| Issuance of senior notes | 0 |
| Credit facility repayments | 0 |
| Treasury stock acquired | 587,679 |
| Payment of debt issuance costs | 0 |
| Dividends paid | 122,067 |
| Net cash used in financing activities | -709,746 |
| Net (decrease) increase in cash | -8,431 |
| Cash and cash equivalents at beginning of period | 131,480 |
| Cash and cash equivalents at end of period | 123,049 |
Essent Group Ltd. (ESNT)
Essent Group Ltd. (ESNT)