Essent/$ESNT
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Essent
Essent Group Ltd serves the housing finance industry by providing private mortgage insurance, reinsurance, risk management products, title insurance, and settlement services to mortgage lenders, borrowers, and investors to support homeownership. It provides credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage and certain related expenses in the event of a default. By providing capital to mitigate mortgage credit risk, the company allows lenders to make additional mortgage financing available to prospective homeowners.
- Ticker
- $ESNT
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 518
- Headquarters
- Hamilton, Bermuda
- Website
- ir.essentgroup.com
Essent Metrics
BasicAdvanced
$6.1B
9.46
$7.15
0.76
$1.36
2.07%
Price and volume
Market cap
$6.1B
Beta
0.76
52-week high
$70.37
52-week low
$55.34
Average daily volume
893K
Dividend rate
$1.36
Financial strength
Current ratio
1.791
Quick ratio
1.101
Long term debt to equity
0.088
Total debt to equity
0.088
Dividend payout ratio (TTM)
18.18%
Interest coverage (TTM)
26.10%
Profitability
EBITDA (TTM)
858.38
Gross margin (TTM)
76.01%
Net profit margin (TTM)
51.45%
Operating margin (TTM)
64.51%
Effective tax rate (TTM)
17.06%
Revenue per employee (TTM)
$2,550,000
Management effectiveness
Return on assets (TTM)
7.20%
Return on equity (TTM)
12.01%
Valuation
Price to earnings (TTM)
9.459
Price to revenue (TTM)
4.824
Price to book
1.07
Price to tangible book (TTM)
1.09
Price to free cash flow (TTM)
7.727
Free cash flow yield (TTM)
12.94%
Free cash flow per share (TTM)
8.748
Dividend yield (TTM)
2.01%
Forward dividend yield
2.07%
Growth
Revenue change (TTM)
4.31%
Earnings per share change (TTM)
4.29%
3-year revenue growth (CAGR)
9.48%
10-year revenue growth (CAGR)
12.71%
3-year earnings per share growth (CAGR)
4.71%
10-year earnings per share growth (CAGR)
13.47%
3-year dividend per share growth (CAGR)
11.59%
What the Analysts think about Essent
Analyst ratings (Buy, Hold, Sell) for Essent stock.
Analyst projections of the future price of Essent stock.
Bulls say / Bears say
Essent’s core mortgage book remains profitable and well cushioned: its Q2 portfolio default rate was 2.53%, nearly flat on the quarter, while 97% of insurance in force had reinsurance protection and PMIERs sufficiency was 172%. AM Best affirmed stable A (Excellent) ratings in October. (Essent Group, AM Best)
New insurance written rose to $14.1 billion in Q2 from $11.1 billion in Q1 and $12.5 billion a year earlier. Insurance in force increased 1.2% year on year to $249.7 billion, showing continuing demand and modest portfolio growth. (Essent Group)
Strong capital generation supports shareholder returns: Essent repurchased $348 million of shares through July and raised its quarterly dividend to $0.35. Book value per share reached $63.01, up from $56.98 a year earlier. (Essent Group, Essent Group)
Affordability and higher mortgage rates are holding back new business. Management said mortgage-insurance portfolio growth remains paused and suggested a broader housing-volume recovery may not arrive until late in the decade. (The Motley Fool)
Credit deterioration is lifting claims costs: defaults rose to 2.53% from 2.12% a year earlier, while first-half provision for losses and loss adjustment expenses nearly doubled to $97.2 million from $48.3 million. (SEC)
A recent federal directive asks FHFA to consider a pilot that could cancel private mortgage insurance on some future loans. If implemented, this could reduce demand for Essent’s cover; the company also identifies alternatives to private MI and policy changes as business risks. (U.S. Mortgage Insurers, SEC)
Data summarised monthly by Lightyear AI. Last updated on 27 Oct 2026.
Essent Financial Performance
Revenues and expenses
Essent Earnings Performance
Company profitability
Upcoming events
No upcoming events
Essent News
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Funds containing Essent
Fund name | Fund size | $ESNT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.19% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.19% |
SPDR S&P 400 US Mid Cap£SPX4 | $6.4B | 0.17% |
SPDR S&P 400 US Mid Cap$SPY4 | $6.4B | 0.17% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.15% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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