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Essent Group Ltd. ESNT R2K

Financial Services · Insurance - Specialty · Bermuda
https://ir.essentgroup.com

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.

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$57.89
+0.42% 1Y

Market & Price

Market Cap
$5.33B
Current Price
$57.89
High / Low (52W)
$66.41 / $55.35
Beta
0.81

Valuation

Stock P/E
8.23
Industry PE
12.01
Forward P/E
7.50
PEG Ratio
-
Book Value
$61.20
Price to Book
0.95
P/S
4.17
EV/EBITDA
5.87
Dividend Yield
2.42%

Profitability & Returns

ROCE
-
ROE
12.09%
ROA
7.27%
Profit Margin
53.64%
Op Margin
63.75%
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
$7.44B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
5.60%
Chg in Prom Hold
-
FII / Inst Holding
98.67%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$5.08B
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%

Growth (CAGR)

Revenue 5Y
8.15%
Profit 5Y
-6.02%
Revenue (YoY)
5.80%
Earnings (YoY)
7.70%

PROS

  • Excellent profit margin of 53.6%.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -6.0% CAGR over 5 years.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 57.89 8.23 $5.33B 2.42% - 12.09% 8.15% -6.02%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Jun 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 2025Dec 2025Mar 2026
Revenue 84.07M91.74M-102.47M108.17M121.25M-127.59M137.61M150.20M-167.46M173.77M185.00M-200.53M211.89M226.39M-228.84M236.08M243.04M-244.80M243.26M283.54M264.61M244.41M261.77M256.25M260.13M296.11M298.36M312.94M316.58M317.56M326.05M318.73M319.35M336.07M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ------------------------76.61M--63.84M--------215.15M239.32M207.41M192.68M214.87M
EBITDA ----------------------------------------
Interest Expense -----------------------------------8.15M8.15M8.25M8.15M8.15M
Pretax Income -----------------------------------207.00M231.18M199.16M184.53M206.72M
Tax Provision -----------------------------------31.57M35.84M34.94M29.55M34.93M
Net Income 37.19M40.82M44.48M47.95M52.26M59.71M62.69M66.60M72.12M78.39M162.64M111.07M111.75M116.01M128.53M127.72M136.41M144.63M146.96M149.52M15.38M124.54M123.60M135.65M159.79M205.35M274.17M231.77M178.05M170.83M172.23M177.96M181.72M203.61M176.18M175.43M195.34M164.22M154.98M171.80M
Diluted EPS 0.410.440.480.520.570.650.680.720.770.821.651.131.141.181.311.301.391.471.491.520.151.111.101.211.421.842.522.161.661.591.611.661.701.911.651.691.931.671.601.82

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 48.72M131.40M239.47M353.29M458.26M576.51M719.35M867.57M955.15M1.03B1.02B1.13B1.27B1.29B
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses --------------
Operating Income ----------1.00B853.14M890.81M854.56M
EBITDA --------------
Interest Expense ----------15.61M30.14M35.32M32.70M
Pretax Income ----------988.19M823.00M855.49M821.86M
Tax Provision ----------156.83M126.61M126.09M131.89M
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

Compounded Sales Growth

5 Years:8.15%
1 Year:5.80%

Compounded Profit Growth

5 Years:-6.02%
1 Year:7.70%

Stock Price Performance

1 Year:+0.42%
6 Months:-7.64%
3 Months:-4.27%
1 Month:-9.49%

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 --853.97M1.18B1.47B1.88B2.67B3.15B3.87B5.20B-5.72B6.43B7.11B7.44B
Current Assets ---------------
Cash & Equivalents 18.50M22.32M477.65M24.41M24.61M27.53M43.52M64.95M---81.24M141.79M131.48M123.05M
Inventory ---------------
Receivables -----------46.23M51.85M50.15M44.70M
Total Liabilities --131.83M225.72M349.86M539.23M733.93M784.25M888.58M1.34B-1.26B1.32B1.51B1.68B
Current Liabilities ---------------
Long Term Debt -------------493.96M495.30M
Total Debt -----------420.86M421.92M493.96M495.30M
Total Equity 176.06M219.12M722.14M955.74M1.12B1.34B1.94B2.37B2.98B3.86B-4.46B5.10B5.60B5.76B
Shares Outstanding -----------107.68M106.60M105.02M95.46M

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 -119.01M153.70M226.56M274.56M368.57M625.32M589.85M727.93M-588.82M763.00M861.53M856.05M
Investing Cash Flow --96.76M-727.70M-220.71M-365.32M-690.14M-546.90M-545.08M-1.15B--398.87M-525.57M-706.93M-154.74M
Financing Cash Flow -433.09M120.75M-5.65M93.68M337.56M-56.99M-38.37M457.97M--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--3.98M-4.00M-16.77M-7.36M
Free Cash Flow -116.34M149.81M221.60M271.40M365.79M621.27M586.44M725.49M-584.84M759.00M844.77M848.69M
Net Change in Cash -----------251.00K60.55M-10.31M-8.43M
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 % ----------98.6%75.4%70.3%66.3%
Net Margin % -27.8%49.8%37.0%44.5%48.6%65.9%65.0%64.1%43.2%66.3%81.6%61.6%57.6%53.6%
ROE % -6.2%9.1%9.3%14.1%16.6%19.6%19.8%18.6%10.7%-18.6%13.6%13.0%12.0%
ROCE % --------------

Shareholding Pattern

Insiders
5.60%
Institutions
98.67%
Public Float
104.52%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 12.97% 11.96M $692.08M
2 Vanguard Portfolio Management LLC 8.00% 7.38M $426.96M
3 Dimensional Fund Advisors LP 5.82% 5.36M $310.42M
4 FMR, LLC 5.53% 5.09M $294.88M
5 Capital World Investors 5.10% 4.70M $271.84M
6 Vanguard Capital Management LLC 4.42% 4.07M $235.86M
7 State Street Corporation 4.12% 3.80M $219.84M
8 Geode Capital Management, LLC 3.01% 2.77M $160.60M
9 Polar Capital Holdings PLC 2.77% 2.55M $147.62M
10 American Century Companies Inc 2.28% 2.10M $121.69M

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