Essent (ESNT) EBT Margin (2013 - 2026)
Essent (ESNT) recorded EBT Margin of 63.50% in Q2 2026, down 8.93 percentage points from 72.44% a year earlier but up 1.99 percentage points from the prior quarter.
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Analysis
Essent (ESNT) EBT Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Essent's EBT Margin came in at 62.04% as of Jun 30, 2026, down 4.25 percentage points year-over-year; for FY2025, it came in at 65.18%, down 3.65 percentage points from FY2024.
- Annual EBT Margin has declined for three straight years, though with a five-year change of +13.87 percentage points (FY2020 to FY2025).
- Across earlier years, EBT Margin came in at 68.83% in FY2024 (-5.33 pp), 74.16% in FY2023 (-24.58 pp), 98.74% in FY2022 (+18.79 pp) and 79.95% in FY2021 (+28.64 pp).
- Quarterly EBT Margin has ranged from 59.07% in Q4 2025 to 124.12% in Q1 2022 over the past five years.
- On a year-over-year basis, EBT Margin has declined for 16 consecutive quarters, with an average year-over-year change of -4.89 percentage points over the last eight quarters.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 55.42 percentage points in Q1 2022, against a drop of 45.57 percentage points in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at 61.51% (Q1 2026), 59.07% (Q4 2025) and 63.87% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 140.29 Bn | 85.93 Bn | 8.67 Bn | 21.01% |
| 2 | Progressive | 132.20 Bn | 107.72 Bn | 8.29 Bn | 13.95% |
| 3 | Marsh & Mclennan Companies | 96.60 Bn | 88.76 Bn | - | 15.05% |
| 4 | Travelers Companies | 82.11 Bn | 59.60 Bn | 5.93 Bn | 19.09% |
| 5 | Manulife Financial | 75.43 Bn | 8.45 Bn | - | - |
| 6 | Arthur J. Gallagher | 71.09 Bn | 65.68 Bn | - | 12.95% |
| 7 | Aon | 70.49 Bn | 49.69 Bn | - | 14.92% |
| 8 | Metlife | 65.52 Bn | -41.26 Bn | 7.82 Bn | 5.40% |
| 9 | Allstate | 64.49 Bn | 24.33 Bn | 7.41 Bn | 15.09% |
| 10 | Essent | 5.95 Bn | 5.95 Bn | - | 63.50% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 63.50% |
| Mar 31, 2026 | 61.51% |
| Dec 31, 2025 | 59.07% |
| Sep 30, 2025 | 63.87% |
| Jun 30, 2025 | 72.44% |
| Mar 31, 2025 | 65.18% |
| Dec 31, 2024 | 61.88% |
| Sep 30, 2024 | 65.57% |
| Jun 30, 2024 | 76.44% |
| Mar 31, 2024 | 71.64% |
| Dec 31, 2023 | 68.27% |
| Sep 30, 2023 | 70.73% |
| Jun 30, 2023 | 80.46% |
| Mar 31, 2023 | 78.56% |
| Dec 31, 2022 | 75.20% |
| Sep 30, 2022 | 80.58% |
| Jun 30, 2022 | 112.85% |
| Mar 31, 2022 | 124.12% |
| Dec 31, 2021 | 84.47% |
| Sep 30, 2021 | 87.00% |
API Access
Essent EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=ESNT&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "ESNT", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=ESNT&period=max&api_key=YOUR_API_KEY");
const data = await res.json();