Symbols / ESNT Stock $60.03 -0.81% Essent Group Ltd.

Financial Services • Insurance - Specialty • Bermuda • NYQ
ESNT (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Insurance - Specialty
CEO Mr. Mark Anthony Casale
Exch · Country NYQ · Bermuda
Market Cap 5.64B
Enterprise Value 5.44B
Income 689.97M
Sales 1.26B
FCF (ttm) 351.27M
Book/sh 60.31
Cash/sh 8.16
Employees 514
Insider 10d —
IPO Oct 31, 2013
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 17.97%
P/E 8.70
Forward P/E 7.75
PEG —
P/S 4.48
P/B 1.00
P/C —
EV/EBITDA 6.32
EV/Sales 4.31
Quick Ratio 2.59
Current Ratio 4.35
Debt/Eq 9.24
LT Debt/Eq —
EPS (ttm) 6.90
EPS next Y 7.75
EPS Growth 0.90%
Revenue Growth -0.80%
EPS Gr Q/Q -7.70%
Rev Gr Q/Q —
Earnings (next) 2026-05-08
Earnings (prior) 2026-02-13
ROA 7.34%
ROE 12.15%
ROIC —
Gross Margin 80.13%
Oper. Margin 61.68%
Profit Margin 54.72%
Shs Outstand 94.01M
Shs Float 91.09M
Insider Own 5.46%
Instit Own 99.75%
Short Float 2.86%
Short Ratio 3.10
Short Interest 1.88M
52W High 67.09
vs 52W High -10.52%
52W Low 55.22
vs 52W Low 8.71%
Beta 0.87
Impl. Vol. 94.73%
Rel Volume 0.87
Avg Volume 718.00K
Volume 621.39K
Target (mean) $67.81
Tgt Median $68.75
Tgt Low $61.00
Tgt High $75.00
# Analysts 8
Recom Buy
Prev Close $60.52
Price $60.03
Change -0.81%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$67.81
Mean price target
2. Current target
$60.03
Latest analyst target
3. DCF / Fair value
$67.26
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$60.03
Low
$61.00
High
$75.00
Mean
$67.81

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main JP Morgan Neutral → Neutral $64
2026-04-06 main Barclays Equal-Weight → Equal-Weight $61
2026-03-12 main UBS Neutral → Neutral $63
2026-02-17 main Barclays Equal-Weight → Equal-Weight $63
2026-01-12 main JP Morgan Neutral → Neutral $66
2026-01-06 main Barclays Equal-Weight → Equal-Weight $65
2026-01-02 main Roth Capital Buy → Buy $75
2025-12-18 main Keefe, Bruyette & Woods Market Perform → Market Perform $73
2025-11-24 main Keefe, Bruyette & Woods Market Perform → Market Perform $71
2025-10-07 down JP Morgan Overweight → Neutral $65
2025-10-06 main Barclays Equal-Weight → Equal-Weight $66
2025-07-08 main Barclays Equal-Weight → Equal-Weight $59
2025-07-07 down Keefe, Bruyette & Woods Outperform → Market Perform $67
2025-05-23 main Compass Point Buy → Buy $69
2025-04-08 main Keefe, Bruyette & Woods Outperform → Outperform $65
2025-04-08 up JP Morgan Neutral → Overweight $60
2025-02-18 reit RBC Capital Outperform → Outperform $67
2025-02-18 main Keefe, Bruyette & Woods Outperform → Outperform $71
2025-01-08 main Keefe, Bruyette & Woods Outperform → Outperform $72
2025-01-06 down Barclays Overweight → Equal-Weight $58
News
RSS: Latest ESNT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-28 GIBBONS MARY LOURDES Officer — 4,250 $65.01 $276,292
2026-04-20 GIBBONS MARY LOURDES Officer — 8,500 $63.00 $535,576
2026-04-01 WEINSTOCK DAVID B Chief Financial Officer — 8,860 — —
2026-02-27 CASALE MARK A Chief Executive Officer — 14,029 — —
2026-02-27 WEINSTOCK DAVID B Chief Financial Officer — 16,531 — —
2026-02-27 BHASIN VIJAY Officer — 1,668 — —
2026-02-27 GIBBONS MARY LOURDES Officer — 7,861 — —
2026-02-27 CURRAN CHRISTOPHER G Officer — 2,406 — —
2026-02-11 CASALE MARK A Chief Executive Officer — 137,384 $65.51 $9,000,026
2026-02-11 BHASIN VIJAY Officer — 13,739 $65.51 $900,042
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,288.19
+1.66%
1,267.15
+12.03%
1,131.09
+11.07%
1,018.34
Operating Revenue
1,288.19
+1.66%
1,267.15
+12.03%
1,131.09
+11.07%
1,018.34
Selling General And Administration
129.95
-4.72%
136.39
+18.71%
114.90
+14.55%
100.30
General And Administrative Expense
129.95
-4.72%
136.39
+18.71%
114.90
+14.55%
100.30
Salaries And Wages
129.95
-4.72%
136.39
+18.71%
114.90
+14.55%
100.30
Other Operating Expenses
25.83
+5.41%
24.50
+10.54%
22.17
+5.68%
20.98
Total Expenses
466.33
+13.28%
411.66
+33.62%
308.09
+921.81%
30.15
Reconciled Depreciation
5.23
-9.51%
5.78
+27.80%
4.53
+49.64%
3.02
EBIT
854.56
-4.07%
890.81
+4.42%
853.14
-15.01%
1,003.79
Net Income
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Pretax Income
821.86
-3.93%
855.49
+3.95%
823.00
-16.72%
988.19
Net Non Operating Interest Income Expense
-32.70
+7.43%
-35.32
-17.19%
-30.14
-93.09%
-15.61
Interest Expense Non Operating
32.70
-7.43%
35.32
+17.19%
30.14
+93.09%
15.61
Net Interest Income
-32.70
+7.43%
-35.32
-17.19%
-30.14
-93.09%
-15.61
Interest Expense
32.70
-7.43%
35.32
+17.19%
30.14
+93.09%
15.61
Other Income Expense
24.04
-3.57%
24.93
-0.44%
25.04
+36.18%
18.38
Tax Provision
131.89
+4.60%
126.09
-0.41%
126.61
-19.27%
156.83
Tax Rate For Calcs
0.00
+8.84%
0.00
-4.55%
0.00
-2.97%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Net Income From Continuing Operation Net Minority Interest
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Net Income From Continuing And Discontinued Operation
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Net Income Continuous Operations
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Normalized Income
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Net Income Common Stockholders
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Diluted EPS
6.90
+0.73%
6.85
+5.38%
6.50
-15.80%
7.72
Basic EPS
6.97
+0.72%
6.92
+5.49%
6.56
-15.35%
7.75
Basic Average Shares
99.00
-6.07%
105.39
-0.78%
106.22
-0.92%
107.20
Diluted Average Shares
100.02
-6.13%
106.55
-0.54%
107.13
-0.49%
107.65
Diluted NI Availto Com Stockholders
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Loss Adjustment Expense
149.34
+83.87%
81.22
+157.50%
31.54
+118.05%
-174.70
Net Policyholder Benefits And Claims
149.34
+83.87%
81.22
+157.50%
31.54
+118.05%
-174.70
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
7,441.00
+4.63%
7,111.65
+10.66%
6,426.67
+12.28%
5,723.80
Cash Cash Equivalents And Short Term Investments
6,227.13
+3.64%
6,008.20
+11.15%
5,405.53
+12.08%
4,822.86
Cash And Cash Equivalents
123.05
-6.41%
131.48
-7.27%
141.79
+74.53%
81.24
Other Short Term Investments
6,104.09
+3.87%
5,876.72
+11.65%
5,263.74
+11.01%
4,741.62
Receivables
51.27
-7.73%
55.56
-12.17%
63.27
+10.22%
57.40
Accounts Receivable
44.70
-19.55%
55.56
-12.17%
63.27
+10.22%
57.40
Receivables Adjustments Allowances
0.00
0.00
0.00
0.00
Other Receivables
6.57
—
—
—
Prepaid Assets
513.42
+4.87%
489.60
+4.03%
470.65
+12.47%
418.46
Net PPE
49.19
+17.48%
41.87
+1.37%
41.30
+111.05%
19.57
Goodwill And Other Intangible Assets
78.15
-1.76%
79.56
+9.24%
72.83
0.00
Investments And Advances
6,104.09
+3.87%
5,876.72
+11.65%
5,263.74
+11.01%
4,741.62
Long Term Equity Investment
—
—
277.23
+7.48%
257.94
Total Liabilities Net Minority Interest
1,684.28
+11.69%
1,507.99
+13.89%
1,324.12
+4.97%
1,261.49
Payables And Accrued Expenses
185.07
+4.71%
176.75
+27.10%
139.07
+33.13%
104.46
Current Accrued Expenses
185.07
+4.71%
176.75
+27.10%
139.07
+33.13%
104.46
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
421.92
+0.25%
420.86
Current Debt
—
0.00
-100.00%
421.92
+0.25%
420.86
Long Term Debt And Capital Lease Obligation
495.30
+0.27%
493.96
—
—
Long Term Debt
495.30
+0.27%
493.96
—
—
Non Current Deferred Liabilities
465.35
+18.58%
392.43
+8.18%
362.75
+1.67%
356.81
Non Current Deferred Taxes Liabilities
465.35
+18.58%
392.43
+8.18%
362.75
+1.67%
356.81
Stockholders Equity
5,756.73
+2.73%
5,603.66
+9.82%
5,102.55
+14.35%
4,462.31
Common Stock Equity
5,756.73
+2.73%
5,603.66
+9.82%
5,102.55
+14.35%
4,462.31
Capital Stock
1.43
-9.08%
1.57
-1.50%
1.60
-0.99%
1.61
Common Stock
1.43
-9.08%
1.57
-1.50%
1.60
-0.99%
1.61
Share Issued
95.46
-9.10%
105.02
-1.48%
106.60
-1.01%
107.68
Ordinary Shares Number
95.46
-9.10%
105.02
-1.48%
106.60
-1.01%
107.68
Additional Paid In Capital
649.89
-46.51%
1,214.96
-6.53%
1,299.87
-3.74%
1,350.38
Retained Earnings
5,257.39
+12.07%
4,691.11
+14.93%
4,081.58
+16.85%
3,493.11
Gains Losses Not Affecting Retained Earnings
-151.99
+50.00%
-303.98
-8.37%
-280.50
+26.72%
-382.79
Other Equity Adjustments
-151.99
+50.00%
-303.98
-8.37%
-280.50
+26.72%
-382.79
Total Equity Gross Minority Interest
5,756.73
+2.73%
5,603.66
+9.82%
5,102.55
+14.35%
4,462.31
Total Capitalization
6,252.03
+2.53%
6,097.62
+19.50%
5,102.55
+14.35%
4,462.31
Invested Capital
6,252.03
+2.53%
6,097.62
+10.37%
5,524.47
+13.13%
4,883.17
Total Debt
495.30
+0.27%
493.96
+17.07%
421.92
+0.25%
420.86
Net Debt
372.25
+2.70%
362.48
+29.40%
280.13
-17.52%
339.62
Net Tangible Assets
5,678.57
+2.80%
5,524.10
+9.83%
5,029.72
+12.72%
4,462.31
Tangible Book Value
5,678.57
+2.80%
5,524.10
+9.83%
5,029.72
+12.72%
4,462.31
Investments In Other Ventures Under Equity Method
—
—
277.23
+7.48%
257.94
Line Of Credit
—
0.00
-100.00%
421.92
+0.25%
420.86
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
856.05
-0.64%
861.53
+12.91%
763.00
+29.58%
588.82
Cash Flow From Continuing Operating Activities
856.05
-0.64%
861.53
+12.91%
763.00
+29.58%
588.82
Net Income From Continuing Operations
689.97
-5.41%
729.40
+4.74%
696.39
-16.23%
831.35
Depreciation And Amortization
5.23
-9.51%
5.78
+27.80%
4.53
+49.64%
3.02
Stock Based Compensation
20.85
-15.86%
24.78
+34.33%
18.45
+0.35%
18.38
Deferred Tax
48.60
+51.05%
32.17
+342.90%
-13.25
-122.77%
58.17
Deferred Income Tax
48.60
+51.05%
32.17
+342.90%
-13.25
-122.77%
58.17
Operating Gains Losses
-16.59
-230.25%
-5.03
-127.43%
18.32
+218.18%
-15.50
Gain Loss On Investment Securities
0.92
-60.72%
2.35
-67.38%
7.20
-45.31%
13.17
Gain Loss On Sale Of PPE
0.07
—
—
—
Change In Working Capital
80.92
+100.57%
40.34
+148.60%
16.23
+104.79%
-339.06
Change In Receivables
4.42
-40.80%
7.47
+460.68%
-2.07
+81.54%
-11.21
Changes In Account Receivables
4.42
-40.80%
7.47
+460.68%
-2.07
+81.54%
-11.21
Change In Prepaid Assets
-23.82
-25.70%
-18.95
+63.68%
-52.19
+9.48%
-57.65
Change In Payables And Accrued Expense
20.88
-39.61%
34.57
+1103.83%
2.87
+241.06%
-2.04
Change In Accrued Expense
20.88
-39.61%
34.57
+1103.83%
2.87
+241.06%
-2.04
Change In Other Current Assets
-10.72
+42.51%
-18.65
-129.62%
62.98
+225.12%
-50.33
Investing Cash Flow
-154.74
+78.11%
-706.93
-34.51%
-525.57
-31.76%
-398.87
Cash Flow From Continuing Investing Activities
-154.74
+78.11%
-706.93
-34.51%
-525.57
-31.76%
-398.87
Net PPE Purchase And Sale
-7.36
-8.84%
-6.77
-69.07%
-4.00
-0.53%
-3.98
Purchase Of PPE
-7.36
-8.84%
-6.77
-69.07%
-4.00
-0.53%
-3.98
Capital Expenditure
-7.36
+56.08%
-16.77
-318.94%
-4.00
-0.53%
-3.98
Net Investment Purchase And Sale
-73.65
+88.79%
-657.02
-64.28%
-399.93
-24.21%
-321.99
Purchase Of Investment
-1,120.44
+32.03%
-1,648.43
+6.96%
-1,771.72
-28.55%
-1,378.23
Sale Of Investment
1,046.79
+5.59%
991.42
-27.73%
1,371.78
+29.87%
1,056.24
Net Business Purchase And Sale
-73.73
-122.45%
-33.14
+72.75%
-121.63
-66.85%
-72.90
Purchase Of Business
-77.81
-99.19%
-39.06
+69.19%
-126.80
-69.93%
-74.62
Net Intangibles Purchase And Sale
0.00
+100.00%
-10.00
0.00
0.00
Purchase Of Intangibles
0.00
+100.00%
-10.00
0.00
0.00
Financing Cash Flow
-709.75
-330.38%
-164.91
+6.77%
-176.88
+7.00%
-190.20
Cash Flow From Continuing Financing Activities
-709.75
-330.38%
-164.91
+6.77%
-176.88
+7.00%
-190.20
Net Issuance Payments Of Debt
0.00
-100.00%
73.16
0.00
0.00
Issuance Of Debt
0.00
-100.00%
498.16
0.00
0.00
Repayment Of Debt
0.00
+100.00%
-425.00
0.00
0.00
Long Term Debt Issuance
0.00
-100.00%
498.16
0.00
0.00
Long Term Debt Payments
0.00
+100.00%
-425.00
0.00
0.00
Net Long Term Debt Issuance
—
73.16
—
—
Short Term Debt Issuance
—
—
0.00
0.00
Short Term Debt Payments
—
—
0.00
0.00
Net Short Term Debt Issuance
—
—
0.00
0.00
Net Common Stock Issuance
-587.68
-426.86%
-111.54
-57.84%
-70.67
+27.82%
-97.91
Common Stock Payments
-587.68
-426.86%
-111.54
-57.84%
-70.67
+27.82%
-97.91
Common Stock Dividend Paid
-122.07
-3.41%
-118.04
-11.13%
-106.22
-15.29%
-92.13
Cash Dividends Paid
-122.07
-3.41%
-118.04
-11.13%
-106.22
-15.29%
-92.13
Repurchase Of Capital Stock
-587.68
-426.86%
-111.54
-57.84%
-70.67
+27.82%
-97.91
Net Other Financing Charges
—
-8.49
—
-0.15
Changes In Cash
-8.43
+18.20%
-10.31
-117.02%
60.55
+24222.31%
-0.25
Beginning Cash Position
131.48
-7.27%
141.79
+74.53%
81.24
-0.31%
81.49
End Cash Position
123.05
-6.41%
131.48
-7.27%
141.79
+74.53%
81.24
Free Cash Flow
848.69
+0.46%
844.77
+11.30%
759.00
+29.78%
584.84
Interest Paid Supplemental Data
31.25
+81.73%
17.20
-39.82%
28.57
+110.18%
13.60
Income Tax Paid Supplemental Data
91.15
-1.48%
92.52
-33.78%
139.71
+42.55%
98.01
Amortization Of Securities
14.38
-28.93%
20.23
+35.79%
14.90
-18.79%
18.35
Common Stock Issuance
—
—
—
0.00
Dividend Received CFO
12.70
-8.26%
13.84
+86.06%
7.44
-47.25%
14.11
Earnings Losses From Equity Investments
-17.59
-138.45%
-7.38
-166.33%
11.12
+138.77%
-28.68
Issuance Of Capital Stock
—
—
—
0.00
Sale Of Business
4.08
-31.07%
5.92
+14.60%
5.17
+200.12%
1.72
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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