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Essent vs Octave Specialty: revenue, profit, margins and growth compared

Essent brought in $1.3B of revenue in fiscal 2025, Octave Specialty $251.2M in fiscal 2025. Revenue changed by +1.5% at Essent and +6.5% at Octave Specialty on the year before, so Octave Specialty grew faster. Essent kept 54.7% of its revenue as net profit, Octave Specialty -103.1%.

Side by side, latest fiscal year

ESNTOSG
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$1.3B$251.2M
Revenue growth+1.5%+6.5%
Net income$690M-$259.1M
Net margin54.7%-103.1%
Free cash flow$848.7Mn/a
Free cash flow margin67.3%n/a
Earnings per share (diluted)$6.90-$5.93
Cash$123M$68.4M
Debtn/a$117.6M
Price to earnings9.2n/a
Market value$5.7B$188.8M
Dividend yield1.95%n/a
Rank by revenue in sector#172 of 444 · Finance#288 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: $1.3BOSG FY2018: $511MOSG FY2019: $496MOSG FY2020: $156MOSG FY2021: $282MOSG FY2022: $53.6MOSG FY2023: $124.7MOSG FY2024: $235.8MOSG FY2025: $251.2MFY18FY19FY20FY21FY22FY23FY24FY25
ESNT $1.3BOSG $251.2M
Net income
ESNT FY2018: $467.4MESNT FY2019: $555.7MESNT FY2020: $413MESNT FY2021: $681.8MESNT FY2022: $831.4MESNT FY2023: $696.4MESNT FY2024: $729.4MESNT FY2025: $690MOSG FY2018: $186MOSG FY2019: -$216MOSG FY2020: -$437MOSG FY2021: -$17MOSG FY2022: $522.1MOSG FY2023: $5MOSG FY2024: -$556.1MOSG FY2025: -$259.1MFY18FY19FY20FY21FY22FY23FY24FY25
ESNT $690MOSG -$259.1M
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%OSG FY2018: 36.4%OSG FY2019: -43.5%OSG FY2020: -280.1%OSG FY2021: -6.0%OSG FY2022: 973.9%OSG FY2023: 4.0%OSG FY2024: -235.8%OSG FY2025: -103.1%FY18FY19FY20FY21FY22FY23FY24FY25
ESNT 54.7%OSG -103.1%
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%OSG FY2019: -2.9%OSG FY2020: -68.5%OSG FY2021: +80.8%OSG FY2022: -81.0%OSG FY2023: +132.6%OSG FY2024: +89.1%OSG FY2025: +6.5%FY19FY20FY21FY22FY23FY24FY25
ESNT +1.5%OSG +6.5%
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 $848.7MOSG

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

Questions about Essent and Octave Specialty

Which is bigger by revenue, Essent or Octave Specialty?

Essent is bigger by revenue: $1.3B in fiscal 2025, against $251.2M for Octave Specialty in fiscal 2025.

Which keeps more of its revenue as profit, Essent or Octave Specialty?

Essent had a net margin of 54.7% in fiscal 2025; Octave Specialty had -103.1% in fiscal 2025.

Which grew revenue faster, Essent or Octave Specialty?

In their latest fiscal years revenue changed by +1.5% at Essent and +6.5% at Octave Specialty.

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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