Filing Flows › Essent Group (ESNT) › Q3 2026 › vs Q3 2025
Essent Group (ESNT) Q3 2026 vs Q3 2025 (year over year)
Essent Group's revenue rose $62.4M (+20%) from $312M in Q3 2025 to $374M in Q3 2026. Operating margin 53.2% against 63.9% (-10.7 pts).
Essent Group, Q3 2026: revenue $374M (+20% year over year), operating margin 53.2%, net earnings $163M, operating cash flow $239M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 53.2% | 63.9% | -10.7 pts |
| Net margin | 43.7% | 52.7% | -9.0 pts |
| Free cash flow margin | 63.6% | 67.5% | -4.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $374M | $312M | $62.4M | +20% |
| Operating profit | $199M | $199M | −$117K | -0.1% |
| Costs & expenses | $175M | $113M | $62.5M | +55% |
| Pre-tax earnings | $199M | $199M | −$117K | -0.1% |
| Net earnings | $163M | $164M | −$839K | -0.5% |
| Income tax | $35.7M | $34.9M | $722K | +2% |
| Depreciation & amortization | $1.8M | $1.3M | $566K | +45% |
| Share-based compensation | $2.9M | $3.9M | −$981K | -25% |
| Working capital & other | $70.9M | $46.5M | $24.4M | +52% |
| Operating cash flow | $239M | $216M | $23.2M | +11% |
| Free cash flow (OCF − capex) | $238M | $211M | $27.3M | +13% |
| Capital expenditures | $1.2M | $5.3M | −$4.1M | -78% |
Questions
How much did Essent Group's revenue grow year over year in Q3 2026?
Essent Group's revenue rose $62.4M (+20%) from $312M in Q3 2025 to $374M in Q3 2026. Operating margin 53.2% against 63.9% (-10.7 pts).