Financial insights of ESNT

MyFinsight

For the year ending 2025-12-31, ESNT made $1,260,935K in revenue. $841,968K in net income. Net profit margin of 66.77%.

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

Income Statement	2025-12-31
Total revenues	1,260,935
Provision for losses and lae	149,337
Mortgage Insurance Segment	42,570
Reinsurance	4,136
Operating Segments	46,706
Corporate Non Segment	81,814
Other Underwriting And Operating Expenses Other	128,520
Other underwriting and operating expenses	257,040
Interest expense, operating	32,696
Total losses and expenses	439,073
Income (loss) before income taxes	821,862
Income tax expense	131,893
Net income	689,969
Change in unrealized appreciation (depreciation) of investments, net of tax expense (benefit) of 26,691 in 2025, (7,818) in 2024 and 17,944 in 2023	151,999
Total other comprehensive income (loss)	151,999
Comprehensive income	841,968

Basic (in dollars per share)	6.97
Basic (in shares)	98,999,000
Diluted (in dollars per share)	6.9
Diluted (in shares)	100,023,000