Essent group ltd. (ESNT)
Balance Sheet / Yearly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Jun'14Mar'14Dec'13
Assets
Investments
Fixed maturities available for sale, at fair value (amortized cost: 2019 — $2,967,225; 2018 — $2,638,950)

-

-

2,982

2,848

2,765

2,605

2,473

2,229

2,080

1,992

1,826

1,710

1,612

1,482

1,431

1,305

1,285

1,190

1,118

1,064

-

846

-

-

-

Short-term Investments

-

-

252

251

210

154

191

327

380

312

296

130

112

132

150

129

83

85

121

95

-

210

-

-

-

Total investments available for sale

3,705

3,350

3,234

3,100

2,976

2,760

2,665

-

-

2,305

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other invested assets

75

78

75

69

32

31

24

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Total investments

3,780

3,429

3,309

3,170

3,008

2,791

2,690

2,556

2,461

2,305

2,123

1,841

1,724

1,615

1,582

1,435

1,368

1,276

1,240

1,159

1,120

1,057

845

847

332

Cash

31

71

49

25

40

64

29

24

32

43

57

27

19

27

16

16

28

24

18

25

21

24

14

8

477

Accrued investment income

18

18

18

18

18

17

17

15

14

12

11

10

10

9

8

8

8

7

7

6

6

5

4

3

1

Accounts receivable

41

40

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accounts Receivable, after Allowance for Credit Loss

-

-

40

40

38

36

35

35

45

29

29

26

23

21

20

21

17

16

17

14

15

15

12

10

10

Deferred policy acquisition costs

15

15

16

15

15

16

16

15

15

15

14

14

13

13

13

12

11

11

11

10

9

9

7

6

6

Property and equipment (at cost, less accumulated depreciation of $58,517 in 2020 and $57,639 in 2019)

16

17

16

17

17

7

7

7

6

6

7

7

8

8

8

9

9

9

8

8

8

5

4

4

4

Mortgage Guaranty Insurer United States Mortgage Guaranty Tax and Loss Bonds

261

261

246

230

202

202

185

174

151

252

233

215

180

181

163

149

119

119

107

95

63

59

34

18

8

Net deferred tax asset

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

10

Other assets

21

18

24

22

11

13

10

20

13

8

7

9

7

6

5

6

2

3

1

6

4

2

2

3

2

Total assets

4,186

3,873

3,722

3,539

3,353

3,149

2,993

2,849

2,741

2,674

2,485

2,152

1,987

1,882

1,817

1,658

1,565

1,469

1,411

1,327

1,250

1,181

925

905

853

Liabilities and Stockholders’ Equity
Liabilities
Reserve for losses and LAE

73

69

61

55

53

49

53

50

49

46

31

29

29

28

25

22

20

17

14

11

10

8

4

3

3

Unearned premium reserve

264

278

290

295

295

295

292

283

272

259

245

228

221

219

219

214

207

201

191

178

164

156

124

110

103

Net deferred tax liability

259

249

236

216

196

172

155

147

132

127

198

181

162

142

140

126

108

87

77

64

53

37

9

-

-

Amounts due under Asset Purchase Agreement

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

4

4

Accrued payroll and bonuses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

11

6

-

12

8

5

14

7

4

13

Credit facility borrowings (at carrying value, less unamortized deferred costs of $620 in 2020 and $763 in 2019)

424

224

224

223

223

223

223

223

263

248

173

173

125

100

50

-

-

0

-

-

-

-

-

-

-

Securities purchases payable

-

-

-

5

22

-

21

14

6

14

25

19

17

14

45

21

30

14

28

26

-

0

-

-

-

Payable for Securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

35

-

Other accrued liabilities

58

66

54

39

34

43

32

26

21

36

30

22

19

33

25

12

10

28

11

9

20

8

9

5

7

Total liabilities

1,079

888

866

835

825

784

778

745

745

733

705

654

574

539

507

409

384

349

335

299

254

225

157

164

131

Commitments and contingencies (see Note 7)

-

-

-

-

-

-

0

0

0

-

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Stockholders' Equity
Stockholders’ Equity
Common shares, $0.015 par value: Authorized - 233,333; issued and outstanding - 98,602 shares in 2020 and 98,394 shares in 2019

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

1

Additional paid-in capital

1,117

1,118

1,114

1,110

1,106

1,110

1,107

1,103

1,099

1,127

1,122

920

915

918

913

909

905

904

900

897

893

893

760

756

754

Accumulated other comprehensive income

46

56

62

45

9

-28

-47

-39

-32

-3

3

1

-7

-12

21

23

13

-0

5

0

9

4

3

-0

-1

Retained earnings

1,942

1,808

1,676

1,546

1,410

1,282

1,153

1,037

926

815

653

574

502

436

373

313

261

213

169

128

91

56

2

-17

-32

Stockholders' Equity Attributable to Parent

3,107

2,984

2,855

2,704

2,527

2,365

2,215

2,103

1,995

1,940

1,780

1,497

1,412

1,343

1,310

1,248

1,181

1,119

1,076

1,027

996

955

767

740

722

Total liabilities and stockholders’ equity

4,186

3,873

3,722

3,539

3,353

3,149

2,993

2,849

2,741

2,674

2,485

2,152

1,987

1,882

1,817

1,658

1,565

1,469

1,411

1,327

1,250

1,181

925

905

853

Fixed maturities available for sale, at fair value (amortized cost: 2020 — $3,061,177; 2019 — $2,967,225)
Debt Securities, Available-for-sale

3,110

3,035

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Money Market Funds [Member]
Debt Securities, Available-for-sale

595

315

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-