$60.78

-1.12 (-1.81%)

Weekly Expected Move ±4.0%

$56 $58 $60 $63 $65

NYSE · Financial Services · Insurance - Specialty · Alpha Radar Neutral · Power 45 · $5.6B mcap · 89M float · 0.787% daily turnover · Short 58% of daily vol

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest Supply Chain

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$1.3B -0.5% ▼

5Y CAGR: +5.7%

Gross Profit

$1.1B -6.3% ▼

5Y CAGR: +11.2%

Operating Income

$822M -3.9% ▼

5Y CAGR: +10.9%

Net Income

$690M -5.4% ▼

5Y CAGR: +10.8%

EPS (Diluted)

$6.90 +0.7% ▲

5Y CAGR: +12.2%

EBITDA

$860M -4.1% ▼

5Y CAGR: +11.3%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$1.0B	$1.0B	$1.1B	$1.3B	$1.3B
YoY Growth	+7.7%	-1.0%	+11.1%	+12.0%	-0.5%
Cost of Revenue	$31M	-$175M	$32M	$81M	$149M
Gross Profit	$997M	$1.2B	$1.1B	$1.2B	$1.1B
Gross Margin	97.0%	117.2%	97.2%	93.6%	88.2%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$101M	$100M	$115M	$136M	$0
Operating Expenses	$175M	$205M	$277M	$330M	$290M
Operating Income	$822M	$988M	$823M	$855M	$822M
Operating Margin	80.0%	97.0%	72.8%	67.5%	65.2%
Interest Expense	$8M	$16M	$30M	$35M	$33M
Income Before Tax	$822M	$988M	$823M	$855M	$822M
Tax Expense	$141M	$157M	$127M	$126M	$132M
Net Income	$682M	$831M	$696M	$729M	$690M
Net Margin	66.3%	81.6%	61.6%	57.6%	54.7%
EPS (Diluted)	$6.11	$7.72	$6.50	$6.85	$6.90
EBITDA	$834M	$1.0B	$858M	$897M	$860M
Shares Outstanding	112M	108M	107M	107M	100M

Line Item	FY2024 Q2	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1
Revenue	$319M	$317M	$339M	$324M	$326M	$319M	$312M	$330M
Cost of Revenue	-$334K	$31M	$41M	$31M	$17M	$45M	$56M	$48M
Gross Profit	$319M	$286M	$298M	$293M	$309M	$274M	$256M	$281M
Gross Margin	100.1%	90.3%	87.9%	90.3%	94.8%	85.9%	82.1%	85.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$33M	$34M	$35M	$40M	$31M	$29M	$0	$0
Operating Expenses	$80M	$78M	$103M	$86M	$78M	$75M	$72M	$75M
Operating Income	$239M	$208M	$195M	$207M	$231M	$199M	$185M	$207M
Operating Margin	75.1%	65.6%	57.5%	63.9%	70.9%	62.5%	59.1%	62.7%
Interest Expense	$8M	$11M	$8M	$8M	$8M	$8M	$8M	$8M
Income Before Tax	$239M	$208M	$195M	$207M	$231M	$199M	$185M	$207M
Tax Expense	$36M	$31M	$27M	$32M	$36M	$35M	$30M	$35M
Net Income	$204M	$176M	$168M	$175M	$195M	$164M	$155M	$172M
Net Margin	63.9%	55.6%	49.5%	54.1%	59.9%	51.5%	49.6%	52.1%
EPS (Diluted)	$1.91	$1.65	$1.58	$1.69	$1.93	$1.67	$1.60	$1.82
EBITDA	$249M	$221M	$205M	$217M	$241M	$209M	$194M	$216M
Shares Outstanding	107M	107M	106M	104M	101M	101M	97M	95M

ESNT NYSE