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ESNT • CIK 0001448893
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $696,386 | $729,403 | $689,969 | $680,710 |
| Weighted Average Number of Shares Outstanding, Basic | 106,222,000 | 105,394,000 | 98,999,000 | 89,819,000 |
| Incremental Common Shares Attributable to Dilutive Effect of Nonvested Shares with Forfeitable Dividends | 907,000 | 1,156,000 | 1,024,000 | 681,000 |
| Weighted Average Number of Shares Outstanding, Diluted | 107,129,000 | 106,550,000 | 100,023,000 | 90,500,000 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 48,087 | 51,776 | 35,716 | 16,855 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Equity Method Investments | $277,226 | $303,900 | $382,513 | $441,852 |
| Investments | $5,540,965 | $6,180,621 | $6,486,598 | $6,480,547 |
| Cash | $141,787 | $131,480 | $123,049 | $74,333 |
| Accrued Investment Income Receivable | $35,689 | $43,732 | $47,371 | $48,306 |
| Financing Receivable, after Allowance for Credit Loss | $63,266 | $55,564 | $51,267 | $169,772 |
| Deferred Policy Acquisition Cost | $9,139 | $9,653 | $9,547 | $68,857 |
| Property, Plant, and Equipment and Finance Lease Right-of-Use Asset, after Accumulated Depreciation and Amortization | — | $41,871 | $49,189 | $47,753 |
| Intangible Assets, Net (Including Goodwill) | $72,826 | $79,556 | $78,153 | $77,451 |
| Other Assets | $51,051 | $79,572 | $82,404 | $128,538 |
| Assets | $6,426,673 | $7,111,649 | $7,441,003 | $7,591,882 |
| Debt Securities, Available-for-sale | $5,263,739 | $5,876,721 | $6,104,085 | $6,038,695 |
| Liability for Claims and Claims Adjustment Expense | $260,095 | $328,866 | $446,822 | $518,799 |
| Unearned Premiums | $140,285 | $115,983 | $91,730 | $256,827 |
| Deferred Income Tax Liabilities, Net | $362,753 | $392,428 | $465,351 | $449,738 |
| Senior Notes | — | $493,959 | $495,301 | $495,972 |
| Other Accrued Liabilities | $139,070 | $176,755 | $185,072 | $207,145 |
| Liabilities | $1,324,123 | $1,507,991 | $1,684,276 | $1,928,481 |
| Common Stock, Value, Issued | $1,599 | $1,575 | $1,432 | $1,348 |
| Additional Paid in Capital, Common Stock | $1,299,869 | $1,214,956 | $649,895 | $298,724 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-280,496 | $-303,984 | $-151,985 | $-190,662 |
| Retained Earnings (Accumulated Deficit) | $4,081,578 | $4,691,111 | $5,257,385 | $5,553,991 |
| Stockholders' Equity Attributable to Parent | $5,102,550 | $5,603,658 | $5,756,727 | $5,663,401 |
| Debt Securities, Available-for-sale, Amortized Cost | $5,586,730 | $6,231,018 | $6,279,693 | $6,260,158 |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $71,168 | $72,270 | $71,466 | $73,197 |
| Common Stock, Shares Authorized | 233,333,000 | 233,333,000 | 233,333,000 | 233,333,000 |
| Common Stock, Shares, Issued | 106,597,000 | 105,015,000 | 95,456,000 | 89,876,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $696,386 | $729,403 | $689,969 | $680,710 |
| Net Cash Provided by (Used in) Operating Activities | $763,001 | $861,532 | $856,053 | $834,083 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $60,547 | $-10,307 | $-8,431 | $-17,783 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $141,787 | $131,480 | $123,049 | $43,245 |
| Realized Investment Gains (Losses) | $-7,204 | $-2,350 | $-923 | $-871 |
| Payments for (Proceeds from) Short-term Investments | $655,596 | $-164,707 | $-115,532 | $40,861 |
| Income (Loss) from Equity Method Investments | $-11,118 | $7,375 | $17,586 | $35,276 |
| Payments to Acquire Debt Securities, Available-for-sale | $1,116,120 | $1,648,433 | $1,120,438 | $1,053,899 |
| Proceeds from Equity Method Investment, Distribution | $7,440 | $13,843 | $12,700 | $15,886 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $664,239 | $411,635 | $831,437 | $880,522 |
| Depreciation, Depletion and Amortization | $4,525 | $5,783 | $5,233 | $4,952 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $707,544 | $415,074 | $99,823 | $167,910 |
| Gain (Loss) on Disposition of Property Plant Equipment | — | — | $-68 | $-68 |
| Payments to Acquire Equity Method Investments | $40,038 | $39,062 | $77,808 | $69,167 |
| Share-based Payment Arrangement, Noncash Expense | $18,446 | $24,778 | $20,847 | $18,594 |
| Proceeds from Equity Method Investment, Distribution, Return of Capital | $5,165 | $5,919 | $4,080 | $6,525 |
| Investment Income, Amortization of Premium | $14,899 | $20,231 | $14,378 | $13,618 |
| Payments to Acquire Businesses, Net of Cash Acquired | $86,761 | $0 | $0 | $0 |
| Deferred Income Tax Expense (Benefit) | $-13,246 | $32,174 | $48,600 | $18,938 |
| Payments to Acquire Intangible Assets | — | $10,000 | $0 | $0 |
| Payments to Acquire Property, Plant, and Equipment | $4,002 | $6,766 | $7,364 | $8,191 |
| Net Cash Provided by (Used in) Investing Activities | $-525,569 | $-706,926 | $-154,738 | $-117,161 |
| Proceeds from Issuance of Senior Long-term Debt | — | $498,160 | $0 | $0 |
| Repayments of Lines of Credit | $0 | $425,000 | $0 | $0 |
| Payments for Repurchase of Common Stock | $70,670 | $111,543 | $587,679 | $610,982 |
| Payments of Debt Issuance Costs | $0 | $8,488 | $0 | $0 |
| Payments of Ordinary Dividends, Common Stock | $106,215 | $118,042 | $122,067 | $123,723 |
| Net Cash Provided by (Used in) Financing Activities | $-176,885 | $-164,913 | $-709,746 | $-734,705 |
| Income Taxes Paid, Net | — | — | $91,151 | $110,939 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $28,574 | $17,196 | $31,250 | $31,250 |
| Capital Expenditures Incurred but Not yet Paid | — | — | $3,563 | $3,661 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $23,705 | $2,066 | $4,857 | $855 |
| Increase (Decrease) in Accrued Investment Income Receivable | $2,527 | $8,043 | $3,639 | $2,366 |
| Increase (Decrease) in Accounts Receivable | $2,070 | $-7,466 | $-4,420 | $117,799 |
| Increase (Decrease) in Deferred Policy Acquisition Costs | $-771 | $515 | $-106 | $59,620 |
| Increase (Decrease) in Other Operating Assets | $-62,976 | $18,653 | $10,723 | $53,591 |
| Increase (Decrease) in Liability for Claims and Claims Adjustment Expense Reserve | $29,017 | $68,772 | $117,956 | $154,050 |
| Increase (Decrease) in Unearned Premiums | $-22,624 | $-24,302 | $-24,254 | $154,444 |
| Increase (Decrease) in Accrued Liabilities | $2,872 | $34,574 | $20,880 | $39,573 |