Essent Group Ltd
NYSE:ESNT
Balance Sheet
Balance Sheet Decomposition
Essent Group Ltd
Essent Group Ltd
Balance Sheet
Essent Group Ltd
| Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||||||
| Cash & Cash Equivalents |
19
|
22
|
478
|
24
|
25
|
28
|
44
|
65
|
71
|
103
|
82
|
81
|
142
|
131
|
123
|
|
| Cash |
19
|
22
|
478
|
24
|
25
|
28
|
44
|
65
|
71
|
103
|
82
|
81
|
142
|
131
|
123
|
|
| Insurance Receivable |
1
|
4
|
10
|
13
|
16
|
21
|
29
|
36
|
39
|
47
|
43
|
46
|
52
|
50
|
45
|
|
| Deferred Policy Acquisition Cost |
0
|
2
|
6
|
10
|
12
|
13
|
15
|
16
|
16
|
17
|
12
|
10
|
9
|
10
|
10
|
|
| Other Current Assets |
0
|
0
|
8
|
60
|
119
|
181
|
252
|
202
|
262
|
303
|
361
|
419
|
471
|
490
|
513
|
|
| Total Current Assets |
0
|
0
|
8
|
60
|
119
|
181
|
252
|
202
|
262
|
303
|
361
|
419
|
471
|
490
|
513
|
|
| PP&E Net |
16
|
4
|
4
|
6
|
9
|
8
|
7
|
8
|
17
|
15
|
12
|
20
|
41
|
42
|
49
|
|
| PP&E Gross |
16
|
4
|
4
|
6
|
9
|
8
|
7
|
8
|
17
|
15
|
12
|
20
|
41
|
42
|
49
|
|
| Accumulated Depreciation |
20
|
35
|
37
|
39
|
43
|
47
|
51
|
54
|
58
|
61
|
64
|
67
|
71
|
72
|
71
|
|
| Intangible Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
23
|
23
|
23
|
|
| Goodwill |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
50
|
57
|
55
|
|
| Note Receivable |
0
|
1
|
1
|
3
|
1
|
0
|
1
|
1
|
2
|
3
|
3
|
11
|
11
|
5
|
7
|
|
| Long-Term Investments |
171
|
247
|
333
|
1 058
|
1 277
|
1 615
|
2 306
|
2 791
|
3 430
|
4 654
|
5 133
|
5 000
|
5 541
|
6 181
|
6 487
|
|
| Other Long-Term Assets |
0
|
0
|
10
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Assets |
3
|
3
|
5
|
9
|
11
|
16
|
21
|
31
|
37
|
61
|
76
|
138
|
137
|
180
|
185
|
|
| Total Assets |
210
N/A
|
283
+35%
|
854
+201%
|
1 182
+38%
|
1 469
+24%
|
1 883
+28%
|
2 674
+42%
|
3 150
+18%
|
3 873
+23%
|
5 203
+34%
|
5 722
+10%
|
5 724
+0%
|
6 427
+12%
|
7 112
+11%
|
7 441
+5%
|
|
| Liabilities | ||||||||||||||||
| Insurance Policy Liabilities |
10
|
42
|
107
|
165
|
219
|
248
|
307
|
345
|
348
|
625
|
593
|
379
|
400
|
445
|
539
|
|
| Accrued Liabilities |
10
|
12
|
20
|
23
|
28
|
34
|
36
|
41
|
67
|
88
|
100
|
105
|
139
|
177
|
185
|
|
| Short-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Current Liabilities |
10
|
12
|
20
|
23
|
28
|
34
|
36
|
41
|
67
|
88
|
100
|
105
|
139
|
177
|
185
|
|
| Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
100
|
249
|
224
|
224
|
322
|
420
|
421
|
422
|
494
|
495
|
|
| Deferred Income Tax |
0
|
0
|
0
|
37
|
88
|
143
|
128
|
173
|
250
|
305
|
374
|
357
|
363
|
392
|
465
|
|
| Other Liabilities |
15
|
10
|
5
|
0
|
15
|
15
|
15
|
2
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Liabilities |
34
N/A
|
64
+89%
|
132
+105%
|
226
+71%
|
350
+55%
|
539
+54%
|
734
+36%
|
784
+7%
|
889
+13%
|
1 340
+51%
|
1 486
+11%
|
1 262
-15%
|
1 324
+5%
|
1 508
+14%
|
1 684
+12%
|
|
| Equity | ||||||||||||||||
| Common Stock |
0
|
0
|
1
|
1
|
1
|
1
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
1
|
|
| Retained Earnings |
84
|
98
|
32
|
56
|
214
|
436
|
815
|
1 282
|
1 809
|
2 152
|
2 755
|
3 493
|
4 082
|
4 691
|
5 257
|
|
| Additional Paid In Capital |
291
|
348
|
754
|
893
|
904
|
918
|
1 127
|
1 111
|
1 119
|
1 571
|
1 429
|
1 350
|
1 300
|
1 215
|
650
|
|
| Treasury Stock |
33
|
34
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Equity |
2
|
2
|
1
|
5
|
0
|
12
|
3
|
29
|
56
|
138
|
51
|
383
|
280
|
304
|
152
|
|
| Total Equity |
176
N/A
|
219
+24%
|
722
+230%
|
956
+32%
|
1 119
+17%
|
1 344
+20%
|
1 940
+44%
|
2 366
+22%
|
2 985
+26%
|
3 863
+29%
|
4 236
+10%
|
4 462
+5%
|
5 103
+14%
|
5 604
+10%
|
5 757
+3%
|
|
| Total Liabilities & Equity |
210
N/A
|
283
+35%
|
854
+201%
|
1 182
+38%
|
1 469
+24%
|
1 883
+28%
|
2 674
+42%
|
3 150
+18%
|
3 873
+23%
|
5 203
+34%
|
5 722
+10%
|
5 724
+0%
|
6 427
+12%
|
7 112
+11%
|
7 441
+5%
|
|
| Shares Outstanding | ||||||||||||||||
| Common Shares Outstanding |
84
|
84
|
87
|
93
|
93
|
93
|
98
|
98
|
98
|
112
|
109
|
108
|
107
|
105
|
95
|
|