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Essent Group Ltd. ESNT R2K

Financial Services · Insurance - Specialty · Bermuda
https://ir.essentgroup.com
Company Profile ↓
$63.60
+14.04% 1Y
Mkt Cap$5.86B
P/E9.05
P/B0.95
Div. Yield2.40%
52W High$66.01
52W Low$55.02
Book Value$61.20
EPS (TTM)$7.03

Company Overview

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 28.4% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.1, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 53.6%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.09.

Dividend Income

Offers a dividend yield of 2.40%.

Recent Developments

  • Dec 2025 Revenue of $1.26B (+1.5% YoY); net profit $689.97M.
  • Trailing 12 Months Year-on-year growth — revenue +5.8%, earnings +7.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 28.4%, profit CAGR 10.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:28.44%
1 Year:5.80%

Compounded Profit Growth

5 Years:10.81%
1 Year:7.70%

Stock Price Performance

1 Year:+14.04%
6 Months:+3.32%
3 Months:+5.07%
1 Month:+8.94%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 78% of range
$55.02 $66.01
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)56.73 · Neutral
Price Performance
1M+8.94%
3M+5.07%
6M+3.32%
1Y+14.04%
Valuation vs Sector

P/E of 9.05 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 53.6%.
  • Compounding revenue at 28.4% over 5 years.
  • Profit CAGR of 10.8% over 5 years.
  • Generates positive free cash flow.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.05
Industry PE
13.52
Forward P/E
8.24
PEG Ratio
-
Book Value
$61.20
Price to Book
0.95
P/S
4.20
EV/EBITDA
5.92
Dividend Yield
2.40%

Growth (CAGR)

Revenue 5Y
28.44%
Profit 5Y
10.81%
Revenue (YoY)
5.80%
Earnings (YoY)
7.70%

Profitability & Returns

ROCE
-
ROE
12.09%
ROA
7.27%
Profit Margin
53.64%
Op Margin
63.75%
Gross Margin
79.10%
EPS (Latest Qtr)
$1.82
EPS (TTM)
$7.03

Balance Sheet & Liquidity

Debt/Equity
0.09
Quick Ratio
1.24
Current Ratio
2.01
Debt
$495.64M
Total Assets
$7.57B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.60%
Chg in Prom Hold
-
FII / Inst Holding
98.61%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$5.86B
Total Revenue (TTM)
$1.28B
EBITDA
$864.81M
Free Cash Flow
$587.14M
Operating Cash Flow
$826.53M
Shares Outstanding
92.15M
Gross Margin
79.10%
Payout Ratio
18.21%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ESNT Essent Group Ltd. R2K 63.60 9.05 $5.86B 2.40% - 12.09% 28.44% 10.81%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 80.01M84.07M91.74M-102.47M108.17M121.25M-127.59M137.61M150.20M-167.46M173.77M185.00M-200.53M211.89M226.39M-228.84M236.08M243.04M-244.80M243.26M283.54M264.61M244.41M261.77M256.25M260.13M296.11M298.36M312.94M316.58M317.56M319.14M311.83M336.07M
Operating Income -------------------------76.61M--63.84M------------
Net Income 34.84M37.19M40.82M44.48M47.95M52.26M59.71M62.69M66.60M72.12M78.39M162.64M111.07M111.75M116.01M128.53M127.72M136.41M144.63M146.96M149.52M15.38M124.54M123.60M135.65M159.79M205.35M274.17M231.77M178.05M170.83M172.23M177.96M181.72M203.61M176.18M175.43M195.34M164.22M171.80M
Diluted EPS 0.380.410.440.480.520.570.650.680.720.770.821.651.131.141.181.311.301.391.471.491.520.151.111.101.211.421.842.522.161.661.591.611.661.701.911.651.691.931.671.82

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 48.72M131.40M239.47M353.29M458.26M576.51M719.35M867.57M955.15M1.03B1.00B1.11B1.24B1.26B
Net Income -13.54M65.41M88.50M157.33M222.61M379.75M467.36M555.71M413.04M681.78M831.35M696.39M729.40M689.97M
Diluted EPS -0.701.031.722.413.994.775.663.886.117.726.506.856.90

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --853.97M1.18B1.47B1.88B2.67B3.15B3.87B5.20B5.72B5.72B6.43B7.11B7.44B
Total Equity 176.06M219.12M722.14M955.74M1.12B1.34B1.94B2.37B2.98B3.86B4.24B4.46B5.10B5.60B5.76B
Cash & Equivalents 18.50M22.32M477.65M24.41M24.61M27.53M43.52M64.95M-------
Total Liabilities --131.83M225.72M349.86M539.23M733.93M784.25M888.58M1.34B1.49B1.26B1.32B1.51B1.68B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -119.01M153.70M226.56M274.56M368.57M625.32M589.85M727.93M709.26M588.82M763.00M861.53M856.05M
Investing Cash Flow --96.76M-727.70M-220.71M-365.32M-690.14M-546.90M-545.08M-1.15B-583.17M-398.87M-525.57M-706.93M-154.74M
Financing Cash Flow -433.09M120.75M-5.65M93.68M337.56M-56.99M-38.37M457.97M-147.43M-190.20M-176.88M-164.91M-709.75M
Capital Expenditure -2.70M-2.67M-3.89M-4.96M-3.16M-2.78M-4.05M-3.41M-2.45M-2.50M-3.98M-4.00M-6.77M-7.36M
Free Cash Flow -116.34M149.81M221.60M271.40M365.79M621.27M586.44M725.49M706.76M584.84M759.00M854.77M848.69M
Share Buybacks 916.00K311.00K2.50M5.17M4.02M7.58M31.41M9.01M6.35M163.85M97.91M70.67M111.54M587.68M

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % --------------
Operating Margin % --------------
Net Margin % -27.8%49.8%37.0%44.5%48.6%65.9%65.0%64.1%43.2%66.3%83.1%62.8%58.7%54.7%
ROE % -6.2%9.1%9.3%14.1%16.6%19.6%19.8%18.6%10.7%16.1%18.6%13.6%13.0%12.0%
ROCE % --------------

Shareholding Pattern

Insiders
5.60%
Institutions
98.61%
Public Float
-

Analyst View

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Latest News

Recent headlines for ESNT

Google News Fri, 10 Jul 2026

Is Essent Group (ESNT) Fairly Valued Following Its Push Beyond Mortgage Insurance? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMinAFBVV95cUxPRFF1aUx5Q2w1ejB3YmVSbWV1WTFNaC1SeVBrUkNpUmRaQWZEMFlDWDl6LU84OWRZM05BdGMxMURJM0o5YV9PNmJmQVd3OFNWR2VKemhBSG81YjdSOTlySmdVQmlaRlhON05Lb1E5U05ZaEJoWGpaMVp6R0dkQi10dGJVYW42Wk9PWVFncG…

Google News Mon, 13 Jul 2026

ESNT Maintained by JP Morgan -- Price Target Raised to $72.00 - GuruFocus

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Google News ue, 07 Jul 2026

Is ESNT Stock a Buy at 1.04 Times Book With Mixed Near-Term Risks? - Zacks Investment Research

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Google News Wed, 08 Jul 2026

ESNT Stock Tracks Key Housing and Reinsurance Trends in 2026 - The Globe and Mail

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Google News hu, 02 Jul 2026

Insider Sale: Chairman of $ESNT Sells 3,763 Shares - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMikwFBVV95cUxQUExmbkt3UHVoUmZQeEI0V2RpZ0NOdDV3U0k3dGFNVzJBVDJGM0RvOVR0X3Q3MU1Nb1JoS1c2dmY2em5MU3hoMXRQa2RpcXUyTnBMZkQ0WU5hRHU4bXp5QjEwZHpqcWhaYWtwZDVxWjRPcEF6eTNjWHJHU0JwMEtQZmYwcDlNS1NJWnNuYX…

Google News Fri, 10 Jul 2026

This Insider Has Just Sold Shares In Essent Group - simplywall.st

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ESNT — Frequently Asked Questions

What is the current share price of Essent Group Ltd. (ESNT)?

As of 2026-07-15 16:51 PDT, Essent Group Ltd. (ESNT) trades at $63.60 on NYSE. Its 52-week range is $55.02 to $66.01.

What is the market capitalisation of ESNT?

Essent Group Ltd. (ESNT) has a market capitalisation of $5.86B on NYSE.

What is the P/E ratio of ESNT?

ESNT trades at a trailing price-to-earnings (P/E) ratio of 9.05. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 0.95.

Does ESNT pay a dividend?

Essent Group Ltd. (ESNT) currently offers a dividend yield of 2.40%.

What is the return on equity (ROE) of ESNT?

ESNT has a return on equity (ROE) of 12.09%.

Is ESNT a good stock to buy?

This page provides a data-driven analysis of Essent Group Ltd. (ESNT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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