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Essent vs Old Republic International: revenue, profit, margins and growth compared

Essent brought in $1.3B of revenue in fiscal 2025, Old Republic International $9.1B in fiscal 2025. Revenue changed by +1.5% at Essent and +11.0% at Old Republic International on the year before, so Old Republic International grew faster. Essent kept 54.7% of its revenue as net profit, Old Republic International 10.2%.

Side by side, latest fiscal year

ESNTORI
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$1.3B$9.1B
Revenue growth+1.5%+11.0%
Net income$690M$935.4M
Net margin54.7%10.2%
Free cash flow$848.7Mn/a
Free cash flow margin67.3%n/a
Earnings per share (diluted)$6.90$3.72
Cash$123M$263.2M
Debtn/a$1.6B
Price to earnings9.210.2
Market value$5.7B$9.1B
Dividend yield1.95%9.70%
Rank by revenue in sector#172 of 444 · Finance#63 of 444 · Finance

Over the years

Revenue
ESNT FY2018: $719.4MESNT FY2019: $867.6MESNT FY2020: $955.2MESNT FY2021: $1BESNT FY2022: $1BESNT FY2023: $1.1BESNT FY2024: $1.2BESNT FY2025: $1.3BORI FY2018: $6.3BORI FY2019: $7.5BORI FY2020: $7.2BORI FY2021: $9.3BORI FY2022: $8.1BORI FY2023: $7.3BORI FY2024: $8.2BORI FY2025: $9.1BFY18FY19FY20FY21FY22FY23FY24FY25
ESNT $1.3BORI $9.1B
Net income
ESNT FY2018: $467.4MESNT FY2019: $555.7MESNT FY2020: $413MESNT FY2021: $681.8MESNT FY2022: $831.4MESNT FY2023: $696.4MESNT FY2024: $729.4MESNT FY2025: $690MORI FY2018: $370.5MORI FY2019: $1.1BORI FY2020: $558.6MORI FY2021: $1.5BORI FY2022: $686.4MORI FY2023: $598.6MORI FY2024: $852.7MORI FY2025: $935.4MFY18FY19FY20FY21FY22FY23FY24FY25
ESNT $690MORI $935.4M
Net margin
ESNT FY2018: 65.0%ESNT FY2019: 64.1%ESNT FY2020: 43.2%ESNT FY2021: 66.3%ESNT FY2022: 83.1%ESNT FY2023: 62.8%ESNT FY2024: 58.7%ESNT FY2025: 54.7%ORI FY2018: 5.9%ORI FY2019: 14.2%ORI FY2020: 7.8%ORI FY2021: 16.4%ORI FY2022: 8.5%ORI FY2023: 8.2%ORI FY2024: 10.4%ORI FY2025: 10.2%FY18FY19FY20FY21FY22FY23FY24FY25
ESNT 54.7%ORI 10.2%
Revenue growth
ESNT FY2019: +20.6%ESNT FY2020: +10.1%ESNT FY2021: +7.7%ESNT FY2022: -2.7%ESNT FY2023: +10.9%ESNT FY2024: +12.0%ESNT FY2025: +1.5%ORI FY2019: +19.2%ORI FY2020: -3.9%ORI FY2021: +30.4%ORI FY2022: -13.5%ORI FY2023: -10.2%ORI FY2024: +13.4%ORI FY2025: +11.0%FY19FY20FY21FY22FY23FY24FY25
ESNT +1.5%ORI +11.0%
Free cash flow
ESNT FY2018: $621.3MESNT FY2019: $586.4MESNT FY2020: $725.5MESNT FY2021: $706.8MESNT FY2022: $584.8MESNT FY2023: $759MESNT FY2024: $854.8MESNT FY2025: $848.7MFY18FY19FY20FY21FY22FY23FY24FY25
ESNT $848.7MORI

Fiscal years as each company reports them; the two may end in different months.

Questions about Essent and Old Republic International

Which is bigger by revenue, Essent or Old Republic International?

Old Republic International is bigger by revenue: $9.1B in fiscal 2025, against $1.3B for Essent in fiscal 2025.

Which keeps more of its revenue as profit, Essent or Old Republic International?

Essent had a net margin of 54.7% in fiscal 2025; Old Republic International had 10.2% in fiscal 2025.

Which grew revenue faster, Essent or Old Republic International?

In their latest fiscal years revenue changed by +1.5% at Essent and +11.0% at Old Republic International.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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