ESNT
Essent Group Ltd.
Price Chart
Latest Quote
$58.45
-0.61 (-1.03%)
Current Price
| Previous Close | $59.06 |
| Open | $59.23 |
| Day High | $59.41 |
| Day Low | $57.94 |
| Volume | 1,016,896 |
Stock Information
| Quarterly Dividend / Yield | $1.40 / 2.40% |
| Shares Outstanding | 92.15M |
| Quarterly Dividend Yield | 2.40% |
| Quarterly Dividend | $1.40 |
| Total Debt | $495.64M |
| Cash Equivalents | $751.30M |
| Revenue | $1.28B |
| Net Income | $686.33M |
| Sector | Financial Services |
| Industry | Insurance - Specialty |
| Market Cap | $5.39B |
| P/E Ratio | 8.31 |
| EPS (TTM) | $7.03 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $5.13B |
| Sales | $1.28B |
| Income | $686.33M |
| Book/sh | $61.20 |
| Cash/sh | $8.15 |
| Employees | 520 |
Financial Ratios
| Quick Ratio | 1.24 |
| Current Ratio | 2.01 |
| Debt/Eq | 8.70 |
| EPS Growth TTM | -2.10% |
Returns & Margins
| ROA | 7.27% |
| ROE | 12.09% |
| Gross Margin | 79.10% |
| Operating Margin | 63.75% |
| Profit Margin | 53.64% |
Ownership
| Insider Ownership | 5.60% |
| Institutional Ownership | 98.73% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 7.57 |
| P/S | 4.21 |
| P/B | 0.95 |
Analyst Data
| Recommendation | none |
| Target Price | $67.75 |
Technical Indicators
| SMA20 | $58.25 |
| SMA50 | $60.12 |
| SMA200 | $60.87 |
| RSI | 54.55 |
| ATR | 1.3357 |
| Shares Float | 88.72M |
| Short Float | 3.51% |
| Short Ratio | 3.07 |
| Volatility | 0.78 |
| Rel Volume | 3.16 |
Performance History
| Week | +0.90% |
| Month | -3.34% |
| Quarter | +1.62% |
| 6 Months | -9.17% |
| YTD | -8.51% |
| Year | +2.08% |
| 3 Years | +34.29% |
| 5 Years | +34.83% |
| 10 Years | +215.02% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $58.45 | 2,893,400 |
| 2026-06-17 | $59.06 | 889,500 |
| 2026-06-16 | $59.62 | 604,100 |
| 2026-06-15 | $58.20 | 717,900 |
| 2026-06-12 | $58.38 | 449,900 |
| 2026-06-11 | $57.93 | 518,200 |
| 2026-06-10 | $58.81 | 904,100 |
| 2026-06-09 | $57.78 | 739,300 |
| 2026-06-08 | $56.83 | 583,400 |
| 2026-06-05 | $57.44 | 2,483,900 |
| 2026-06-04 | $57.17 | 784,300 |
| 2026-06-03 | $55.84 | 1,085,900 |
| 2026-06-02 | $56.19 | 968,800 |
| 2026-06-01 | $56.67 | 852,600 |
| 2026-05-29 | $57.54 | 738,200 |
| 2026-05-28 | $57.99 | 618,600 |
| 2026-05-27 | $59.09 | 827,000 |
| 2026-05-26 | $60.04 | 551,000 |
| 2026-05-22 | $60.41 | 465,800 |
| 2026-05-21 | $61.53 | 651,500 |
| 2026-05-20 | $61.67 | 547,000 |
| 2026-05-19 | $60.47 | 641,900 |
About Essent Group Ltd.
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.
đ° Latest News
ESNT vs. CINF: Which Stock Is the Better Value Option?
Zacks âĸ 2026-06-17T15:40:04Z
Essent Group (ESNT) Could Be a Great Choice
Zacks âĸ 2026-06-09T15:45:02Z
Essent Group Ltd. (NYSE:ESNT) Looks Like A Good Stock, And It's Going Ex-Dividend Soon
Simply Wall St. âĸ 2026-05-28T11:27:37Z
1 Cash-Producing Stock for Long-Term Investors and 2 We Ignore
StockStory âĸ 2026-05-22T17:00:55Z
1 Value Stock to Own for Decades and 2 We Question
StockStory âĸ 2026-05-19T09:08:55Z
Is Essent Group (ESNT) Still Attractive After Recent Mortgage Insurance Sector Focus?
Simply Wall St. âĸ 2026-05-19T05:13:46Z
How The Essent Group (ESNT) Story Is Shifting With New Targets And Buybacks
Simply Wall St. âĸ 2026-05-19T01:16:56Z
The 5 Most Interesting Analyst Questions From Essent Groupâs Q1 Earnings Call
StockStory âĸ 2026-05-19T00:44:55Z
Property & Casualty Insurance Stocks Q1 Results: Benchmarking Essent Group (NYSE:ESNT)
StockStory âĸ 2026-05-16T10:52:55Z
ESNT Q1 Deep Dive: Mortgage Insurance Growth Amid Housing Market Pause, Capital Deployment Shifts
StockStory âĸ 2026-05-13T10:20:55Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,288,194,000 | $1,267,152,000 | $1,131,085,000 | $1,018,340,000 |
| Operating Revenue | $1,288,194,000 | $1,267,152,000 | $1,131,085,000 | $1,018,340,000 |
| Expenses | ||||
| Interest Expense | $32,696,000 | $35,319,000 | $30,137,000 | $15,608,000 |
| Total Expenses | $466,332,000 | $411,661,000 | $308,086,000 | $30,151,000 |
| Other Income Expense | $24,037,000 | $24,927,000 | $25,036,000 | $18,384,000 |
| Net Non Operating Interest Income Expense | $-32,696,000 | $-35,319,000 | $-30,137,000 | $-15,608,000 |
| Interest Expense Non Operating | $32,696,000 | $35,319,000 | $30,137,000 | $15,608,000 |
| Other Operating Expenses | $25,829,000 | $24,504,000 | $22,168,000 | $20,977,000 |
| General And Administrative Expense | $129,950,000 | $136,392,000 | $114,898,000 | $100,300,000 |
| Loss Adjustment Expense | $149,337,000 | $81,220,000 | $31,542,000 | $-174,704,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Interest Income | $-32,696,000 | $-35,319,000 | $-30,137,000 | $-15,608,000 |
| Normalized Income | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Income From Continuing And Discontinued Operation | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Income Common Stockholders | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Income | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Income Including Noncontrolling Interests | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Income Continuous Operations | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Pretax Income | $821,862,000 | $855,491,000 | $822,999,000 | $988,187,000 |
| Per Share | ||||
| Diluted EPS | $6.90 | $6.85 | $6.50 | $7.72 |
| Basic EPS | $6.97 | $6.92 | $6.56 | $7.75 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $5,233,000 | $5,783,000 | $4,525,000 | $3,024,000 |
| EBIT | $854,558,000 | $890,810,000 | $853,136,000 | $1,003,795,000 |
| Diluted Average Shares | $100,023,000 | $106,550,000 | $107,129,000 | $107,653,000 |
| Basic Average Shares | $98,999,000 | $105,394,000 | $106,222,000 | $107,205,000 |
| Diluted NI Availto Com Stockholders | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Tax Provision | $131,893,000 | $126,088,000 | $126,613,000 | $156,834,000 |
| Selling General And Administration | $129,950,000 | $136,392,000 | $114,898,000 | $100,300,000 |
| Salaries And Wages | $129,950,000 | $136,392,000 | $114,898,000 | $100,300,000 |
| Net Policyholder Benefits And Claims | $149,337,000 | $81,220,000 | $31,542,000 | $-174,704,000 |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $5,678,574,000 | $5,524,102,000 | $5,029,724,000 | $4,462,309,000 |
| Total Assets | $7,441,003,000 | $7,111,649,000 | $6,426,673,000 | $5,723,797,000 |
| Goodwill And Other Intangible Assets | $78,153,000 | $79,556,000 | $72,826,000 | $0 |
| Prepaid Assets | $513,425,000 | $489,600,000 | $470,646,000 | $418,460,000 |
| Receivables | $51,267,000 | $55,564,000 | $63,266,000 | $57,399,000 |
| Receivables Adjustments Allowances | $0 | $0 | $0 | $0 |
| Other Receivables | $6,567,000 | - | - | - |
| Accounts Receivable | $44,700,000 | $55,564,000 | $63,266,000 | $57,399,000 |
| Cash Cash Equivalents And Short Term Investments | $6,227,134,000 | $6,008,201,000 | $5,405,526,000 | $4,822,865,000 |
| Cash And Cash Equivalents | $123,049,000 | $131,480,000 | $141,787,000 | $81,240,000 |
| Debt | ||||
| Net Debt | $372,252,000 | $362,479,000 | $280,133,000 | $339,624,000 |
| Total Debt | $495,301,000 | $493,959,000 | $421,920,000 | $420,864,000 |
| Long Term Debt And Capital Lease Obligation | $495,301,000 | $493,959,000 | - | - |
| Long Term Debt | $495,301,000 | $493,959,000 | - | - |
| Current Debt And Capital Lease Obligation | - | $0 | $421,920,000 | $420,864,000 |
| Current Debt | - | $0 | $421,920,000 | $420,864,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,684,276,000 | $1,507,991,000 | $1,324,123,000 | $1,261,488,000 |
| Non Current Deferred Liabilities | $465,351,000 | $392,428,000 | $362,753,000 | $356,810,000 |
| Non Current Deferred Taxes Liabilities | $465,351,000 | $392,428,000 | $362,753,000 | $356,810,000 |
| Payables And Accrued Expenses | $185,072,000 | $176,755,000 | $139,070,000 | $104,463,000 |
| Equity | ||||
| Common Stock Equity | $5,756,727,000 | $5,603,658,000 | $5,102,550,000 | $4,462,309,000 |
| Total Equity Gross Minority Interest | $5,756,727,000 | $5,603,658,000 | $5,102,550,000 | $4,462,309,000 |
| Stockholders Equity | $5,756,727,000 | $5,603,658,000 | $5,102,550,000 | $4,462,309,000 |
| Gains Losses Not Affecting Retained Earnings | $-151,985,000 | $-303,984,000 | $-280,496,000 | $-382,790,000 |
| Other Equity Adjustments | $-151,985,000 | $-303,984,000 | $-280,496,000 | $-382,790,000 |
| Retained Earnings | $5,257,385,000 | $4,691,111,000 | $4,081,578,000 | $3,493,107,000 |
| Long Term Equity Investment | - | - | $277,226,000 | $257,941,000 |
| Investments In Other Ventures Under Equity Method | - | - | $277,226,000 | $257,941,000 |
| Other | ||||
| Ordinary Shares Number | $95,456,000 | $105,015,000 | $106,597,000 | $107,683,000 |
| Share Issued | $95,456,000 | $105,015,000 | $106,597,000 | $107,683,000 |
| Tangible Book Value | $5,678,574,000 | $5,524,102,000 | $5,029,724,000 | $4,462,309,000 |
| Invested Capital | $6,252,028,000 | $6,097,617,000 | $5,524,470,000 | $4,883,173,000 |
| Total Capitalization | $6,252,028,000 | $6,097,617,000 | $5,102,550,000 | $4,462,309,000 |
| Additional Paid In Capital | $649,895,000 | $1,214,956,000 | $1,299,869,000 | $1,350,377,000 |
| Capital Stock | $1,432,000 | $1,575,000 | $1,599,000 | $1,615,000 |
| Common Stock | $1,432,000 | $1,575,000 | $1,599,000 | $1,615,000 |
| Current Accrued Expenses | $185,072,000 | $176,755,000 | $139,070,000 | $104,463,000 |
| Investments And Advances | $6,104,085,000 | $5,876,721,000 | $5,263,739,000 | $4,741,625,000 |
| Net PPE | $49,189,000 | $41,871,000 | $41,304,000 | $19,571,000 |
| Other Short Term Investments | $6,104,085,000 | $5,876,721,000 | $5,263,739,000 | $4,741,625,000 |
| Line Of Credit | - | $0 | $421,920,000 | $420,864,000 |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $848,689,000 | $844,766,000 | $758,999,000 | $584,836,000 |
| Operating Activities | ||||
| Operating Cash Flow | $856,053,000 | $861,532,000 | $763,001,000 | $588,817,000 |
| Cash Flow From Continuing Operating Activities | $856,053,000 | $861,532,000 | $763,001,000 | $588,817,000 |
| Operating Gains Losses | $-16,595,000 | $-5,025,000 | $18,322,000 | $-15,504,000 |
| Investing Activities | ||||
| Capital Expenditure | $-7,364,000 | $-16,766,000 | $-4,002,000 | $-3,981,000 |
| Investing Cash Flow | $-154,738,000 | $-706,926,000 | $-525,569,000 | $-398,872,000 |
| Cash Flow From Continuing Investing Activities | $-154,738,000 | $-706,926,000 | $-525,569,000 | $-398,872,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-587,679,000 | $-111,543,000 | $-70,670,000 | $-97,914,000 |
| Financing Cash Flow | $-709,746,000 | $-164,913,000 | $-176,885,000 | $-190,196,000 |
| Cash Flow From Continuing Financing Activities | $-709,746,000 | $-164,913,000 | $-176,885,000 | $-190,196,000 |
| Cash Dividends Paid | $-122,067,000 | $-118,042,000 | $-106,215,000 | $-92,128,000 |
| Common Stock Dividend Paid | $-122,067,000 | $-118,042,000 | $-106,215,000 | $-92,128,000 |
| Net Common Stock Issuance | $-587,679,000 | $-111,543,000 | $-70,670,000 | $-97,914,000 |
| Dividend Received Cfo | $12,700,000 | $13,843,000 | $7,440,000 | $14,105,000 |
| Net Other Financing Charges | - | $-8,488,000 | - | $-154,000 |
| Issuance Of Capital Stock | - | - | - | $0 |
| Common Stock Issuance | - | - | - | $0 |
| Other | ||||
| Repayment Of Debt | $0 | $-425,000,000 | $0 | $0 |
| Issuance Of Debt | $0 | $498,160,000 | $0 | $0 |
| Interest Paid Supplemental Data | $31,250,000 | $17,196,000 | $28,574,000 | $13,595,000 |
| Income Tax Paid Supplemental Data | $91,151,000 | $92,517,000 | $139,710,000 | $98,006,000 |
| End Cash Position | $123,049,000 | $131,480,000 | $141,787,000 | $81,240,000 |
| Beginning Cash Position | $131,480,000 | $141,787,000 | $81,240,000 | $81,491,000 |
| Changes In Cash | $-8,431,000 | $-10,307,000 | $60,547,000 | $-251,000 |
| Common Stock Payments | $-587,679,000 | $-111,543,000 | $-70,670,000 | $-97,914,000 |
| Net Issuance Payments Of Debt | $0 | $73,160,000 | $0 | $0 |
| Long Term Debt Payments | $0 | $-425,000,000 | $0 | $0 |
| Long Term Debt Issuance | $0 | $498,160,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-73,646,000 | $-657,017,000 | $-399,933,000 | $-321,992,000 |
| Sale Of Investment | $1,046,792,000 | $991,416,000 | $1,371,783,000 | $1,056,239,000 |
| Purchase Of Investment | $-1,120,438,000 | $-1,648,433,000 | $-1,771,716,000 | $-1,378,231,000 |
| Net Business Purchase And Sale | $-73,728,000 | $-33,143,000 | $-121,634,000 | $-72,899,000 |
| Sale Of Business | $4,080,000 | $5,919,000 | $5,165,000 | $1,721,000 |
| Purchase Of Business | $-77,808,000 | $-39,062,000 | $-126,799,000 | $-74,620,000 |
| Net Intangibles Purchase And Sale | $0 | $-10,000,000 | $0 | $0 |
| Purchase Of Intangibles | $0 | $-10,000,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-7,364,000 | $-6,766,000 | $-4,002,000 | $-3,981,000 |
| Purchase Of PPE | $-7,364,000 | $-6,766,000 | $-4,002,000 | $-3,981,000 |
| Change In Working Capital | $80,921,000 | $40,345,000 | $16,229,000 | $-339,057,000 |
| Change In Other Current Assets | $-10,723,000 | $-18,653,000 | $62,976,000 | $-50,333,000 |
| Change In Payables And Accrued Expense | $20,880,000 | $34,574,000 | $2,872,000 | $-2,036,000 |
| Change In Accrued Expense | $20,880,000 | $34,574,000 | $2,872,000 | $-2,036,000 |
| Change In Prepaid Assets | $-23,825,000 | $-18,954,000 | $-52,186,000 | $-57,650,000 |
| Change In Receivables | $4,420,000 | $7,466,000 | $-2,070,000 | $-11,211,000 |
| Changes In Account Receivables | $4,420,000 | $7,466,000 | $-2,070,000 | $-11,211,000 |
| Stock Based Compensation | $20,847,000 | $24,778,000 | $18,446,000 | $18,381,000 |
| Amortization Of Securities | $14,378,000 | $20,231,000 | $14,899,000 | $18,347,000 |
| Deferred Tax | $48,600,000 | $32,174,000 | $-13,246,000 | $58,168,000 |
| Deferred Income Tax | $48,600,000 | $32,174,000 | $-13,246,000 | $58,168,000 |
| Depreciation And Amortization | $5,233,000 | $5,783,000 | $4,525,000 | $3,024,000 |
| Earnings Losses From Equity Investments | $-17,586,000 | $-7,375,000 | $11,118,000 | $-28,676,000 |
| Gain Loss On Investment Securities | $923,000 | $2,350,000 | $7,204,000 | $13,172,000 |
| Gain Loss On Sale Of PPE | $68,000 | - | - | - |
| Net Income From Continuing Operations | $689,969,000 | $729,403,000 | $696,386,000 | $831,353,000 |
| Net Long Term Debt Issuance | - | $73,160,000 | - | - |
| Net Short Term Debt Issuance | - | - | $0 | $0 |
| Short Term Debt Payments | - | - | $0 | $0 |
| Short Term Debt Issuance | - | - | $0 | $0 |
Fetched: 2026-06-16