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ESNT Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
58.030
Open
57.190
VWAP
57.54
Vol
596.78K
Mkt Cap
5.43B
Low
57.190
Amount
34.34M
EV/EBITDA(TTM)
6.75
Total Shares
94.54M
EV
5.80B
EV/OCF(TTM)
6.78
P/S(TTM)
4.55
Essent Group Ltd. is a Bermuda-based holding company. The Company, through its wholly owned subsidiaries, offers private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors. The Company, through its wholly owned subsidiary, Essent Guaranty, Inc., offers mortgage insurance. Its Bermuda-based subsidiary, Essent Reinsurance Ltd., is a specialty reinsurer that reinsures the United States (US) mortgage risk and provides underwriting consulting services to third-party reinsurers. Through its subsidiary, CUW Solutions, LLC, it offers mortgage insurance and provides contract underwriting services on a limited basis. Its business segment includes Mortgage Insurance. The Mortgage Insurance segment offers private mortgage insurance and reinsurance for mortgages secured by residential properties located in the US. It also offers other credit risk management solutions, including contract underwriting, to its customers.
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Events Timeline

(ET)
2026-02-13
06:40:00
Company Reports Q4 Revenue of $312.4 Million
select
2025-11-07 (ET)
2025-11-07
06:33:23
Essent Group announces Q3 EPS of $1.67, below consensus estimate of $1.77
select

News

Newsfilter
5.0
02-20Newsfilter
Essent Group Welcomes New Board Member
  • New Board Member: Essent Group announced that Martin Connor has joined its Board of Directors, bringing valuable expertise in real estate and finance to support the company's growth and enhance shareholder value.
  • Extensive Industry Experience: Connor has been with Toll Brothers since 2008, serving as CFO and demonstrating over 20 years of audit and consulting experience, particularly in the real estate sector.
  • Diverse Background: Connor founded Marcon Advisors LLC and served as its president, and also held the CFO position at O'Neill Properties, showcasing his leadership capabilities across multiple domains.
  • Education and Certification: Connor holds a BBA in Accountancy from the University of Notre Dame and is a Certified Public Accountant, further solidifying his expertise in financial management.
seekingalpha
9.5
02-13seekingalpha
Essent Group Ltd. Reports Q4 2025 Earnings with Strategic Insights
  • Strong Financial Performance: Essent Group reported a net income of $155 million for Q4 2025, translating to $1.60 per diluted share, which, while down from $1.67 in the previous quarter, reflects a robust annual net income of $690 million, indicating sustained profitability.
  • Capital Management Strategy: As of year-end 2025, the company’s mortgage insurance in force stood at $248 billion, a 2% year-over-year increase, while book value per share rose 13% to $60.31, demonstrating the positive impact of its strategic capital management adjustments.
  • Dividend Growth: The board approved a 13% increase in the quarterly dividend to $0.35 per share, effective in Q1 2026, which not only underscores the company’s commitment to shareholder returns but also bolsters market confidence in its future growth prospects.
  • Reinsurance Market Expansion: Essent Re plans to generate $100 million to $150 million in written premium in 2026 through a new quota share transaction with highly rated reinsurers, showcasing the company’s proactive approach to diversifying its revenue streams.
seekingalpha
8.0
02-13seekingalpha
Essent Group Announces Quarterly Dividend Increase
  • Dividend Increase: Essent Group has declared a quarterly dividend increase from $0.31 to $0.35 per share, representing a 12.9% rise, indicating ongoing improvements in profitability and cash flow, which enhances investor confidence.
  • Yield Metrics: The forward yield of 2.13% provides investors with a stable return, reflecting the company's financial robustness in the current economic environment.
  • Earnings Report: The GAAP EPS of $1.60 fell short of expectations by $0.14, although revenue of $312.4 million met market forecasts, indicating some pressure on the company's profitability.
  • Future Outlook: With the dividend increase and stable revenue performance, Essent Group may attract more investors seeking reliable income, further enhancing its market position and shareholder value.
NASDAQ.COM
9.5
02-13NASDAQ.COM
Essent Group Reports Q4 Net Income Decline
  • Net Income Decline: Essent Group's fourth-quarter net income fell to $155 million from $167.9 million last year, indicating pressure on profitability that may affect investor confidence.
  • Earnings Per Share Increase: Despite the decline in net income, earnings per share slightly increased to $1.60 compared to $1.58 last year, suggesting improvements in cost control, though overall performance remains a concern.
  • Total Revenue Decrease: The fourth-quarter total revenue was $312.4 million, down from $315 million in the prior year, reflecting weak market demand that could impact future revenue growth expectations.
  • Dividend Declaration: Essent announced a quarterly cash dividend of $0.35 per common share, payable on March 23, 2026, to shareholders of record on March 13, 2026, indicating the company's commitment to returning value to shareholders despite revenue challenges.
seekingalpha
9.5
02-13seekingalpha
Essent Group Q4 Earnings Analysis
  • Earnings Miss: Essent Group reported a Q4 GAAP EPS of $1.60, missing expectations by $0.14, indicating pressure on profitability that could affect investor confidence moving forward.
  • Slight Revenue Decline: The company's revenue for Q4 was $312.4 million, down 0.8% year-over-year, although in line with market expectations, this reflects a struggle for growth in a competitive environment, potentially impacting future investment decisions.
  • Decline in New Insurance Written: New insurance written for Q4 2025 was $11.8 billion, down from $12.2 billion in Q3 2025 and Q4 2024, suggesting weakened market demand that may affect the company's market share.
  • Stable Insurance In Force: As of December 31, 2025, insurance in force stood at $248.4 billion, slightly down from $248.8 billion as of September 30, 2025, but up from $243.6 billion year-over-year, indicating stability in maintaining the scale of its insurance business.
Newsfilter
9.5
02-13Newsfilter
Essent Group Reports Strong 2025 Financial Results
  • Quarterly Net Income: Essent Group reported a net income of $155 million for Q4 2025, translating to $1.60 per diluted share, which, while slightly down from $167.9 million in Q4 2024, underscores the company's resilience amid economic fluctuations.
  • Annual Performance Review: For the full year 2025, net income reached $690 million or $6.90 per diluted share, a decrease from $729.4 million in 2024, reflecting the impact of intensified market competition and changing economic conditions.
  • Shareholder Return Strategy: The company returned nearly $700 million to shareholders in 2025 through dividends and repurchases, demonstrating strong capital management capabilities and commitment to shareholder value, while successfully repurchasing nearly 10% of its outstanding shares.
  • Insurance Business Performance: New insurance written for mortgage insurance in Q4 2025 was $11.8 billion, slightly lower than $12.2 billion in Q4 2024, indicating market demand volatility and the company's adaptability in the insurance market.
Wall Street analysts forecast ESNT stock price to rise
5 Analyst Rating
Wall Street analysts forecast ESNT stock price to rise
2 Buy
3 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
65.00
Averages
69.80
High
75.00
Current: 0.000
sliders
Low
65.00
Averages
69.80
High
75.00
UBS
Doug Harter
Neutral
downgrade
$65 -> $63
AI Analysis
2026-03-12
Reason
UBS
Doug Harter
Price Target
$65 -> $63
AI Analysis
2026-03-12
downgrade
Neutral
Reason
UBS analyst Doug Harter lowered the firm's price target on Essent Group to $63 from $65 and keeps a Neutral rating on the shares.
Barclays
Equal Weight
downgrade
$65 -> $63
2026-02-17
Reason
Barclays
Price Target
$65 -> $63
2026-02-17
downgrade
Equal Weight
Reason
Barclays lowered the firm's price target on Essent Group to $63 from $65 and keeps an Equal Weight rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for ESNT
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Valuation Metrics

The current forward P/E ratio for Essent Group Ltd (ESNT.N) is 8.97, compared to its 5-year average forward P/E of 7.64. For a more detailed relative valuation and DCF analysis to assess Essent Group Ltd's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.64
Current PE
8.97
Overvalued PE
8.62
Undervalued PE
6.66

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
4.67
Current PS
4.91
Overvalued PS
5.10
Undervalued PS
4.25

Financials

AI Analysis
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Quarterly

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Whales Holding ESNT

P
Polar Capital Holdings Plc
Holding
ESNT
+15.34%
3M Return
C
Cooke & Bieler, L.P.
Holding
ESNT
-2.05%
3M Return
P
Paralel Advisors LLC
Holding
ESNT
-5.03%
3M Return
P
Peregrine Capital Management, LLC
Holding
ESNT
-16.93%
3M Return

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Frequently Asked Questions

What is Essent Group Ltd (ESNT) stock price today?

The current price of ESNT is 57.41 USD — it has decreased -0.45

What is Essent Group Ltd (ESNT)'s business?

Essent Group Ltd. is a Bermuda-based holding company. The Company, through its wholly owned subsidiaries, offers private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors. The Company, through its wholly owned subsidiary, Essent Guaranty, Inc., offers mortgage insurance. Its Bermuda-based subsidiary, Essent Reinsurance Ltd., is a specialty reinsurer that reinsures the United States (US) mortgage risk and provides underwriting consulting services to third-party reinsurers. Through its subsidiary, CUW Solutions, LLC, it offers mortgage insurance and provides contract underwriting services on a limited basis. Its business segment includes Mortgage Insurance. The Mortgage Insurance segment offers private mortgage insurance and reinsurance for mortgages secured by residential properties located in the US. It also offers other credit risk management solutions, including contract underwriting, to its customers.

What is the price predicton of ESNT Stock?

Wall Street analysts forecast ESNT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ESNT is69.80 USD with a low forecast of 65.00 USD and a high forecast of 75.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Essent Group Ltd (ESNT)'s revenue for the last quarter?

Essent Group Ltd revenue for the last quarter amounts to 312.40M USD, decreased -0.83

What is Essent Group Ltd (ESNT)'s earnings per share (EPS) for the last quarter?

Essent Group Ltd. EPS for the last quarter amounts to 1.60 USD, increased 1.27

How many employees does Essent Group Ltd (ESNT). have?

Essent Group Ltd (ESNT) has 514 emplpoyees as of March 25 2026.

What is Essent Group Ltd (ESNT) market cap?

Today ESNT has the market capitalization of 5.43B USD.