Essent Group LTD is classed by the SEC under Surety Insurance (industry code 6351), based in Hamilton, BM. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.3 billion and a profit of $690 million (its filed statements).
Insurance businessSurety InsuranceHamilton, BMfilings since 20089 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6351, Surety Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.7 out of ten, 9 of 9 metrics filed: past 4.9 out of ten, present 6.9 out of ten, future 5.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 6.3 out of ten. No warning events in its filings since 2017. 63rd percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.7 out of ten. +11.9% a year over 10 filed years; profitable in 10 of 10. 77th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 2.6 out of ten. Share count shrank 2.4% a year. 45% of cash flow returned. Insiders: 23 sales, 0 purchases. 26th percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 5.8 out of ten. ROE 12%: 12¢ of profit per shareholder dollar. Leverage 23%: owes 23¢ per asset dollar. 58th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.9 out of ten. top 31% of 8 in its family; net margin 54.7%. 69th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 9.3 out of ten. top 7% of 8 in its family for leadership; chief executive since 2013. 93rd percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.5 out of ten. top 25% of 8 in its family for room to expand. 75th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.0 out of ten. top 50% of 8 in its family for growth drivers. 50th percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 3.1 out of ten. bottom 31% of 8 in its family for expectations against reality. 31st percentile among 8 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-18 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-07 (on EDGAR). Newest filing: Form 4, 2026-09-17. Filings on record since 2008. Read from EDGAR 2026-10-12.
Who runs it
Casale, Mark (Chairman, CEO and President); Weinstock, David B (SVP and CFO); Bhasin, Vijay (SVP and Chief Risk Officer); Gibbons, Mary Lourdes (SVP and Chief Legal Officer); Curran, Christopher G (Pres., Essent Guaranty, Inc.); Benson, David C (director); Connor, Martin P. (director); Dutt, Aditya (director); Galda, April Joyce (director); Heise, Angela L (director); and 4 more. 14 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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