Essent/$ESNT

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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

Primary listing

NYSE

Employees

521

Headquarters

Hamilton, Bermuda

Essent Metrics

BasicAdvanced
$5.9B
8.71
$6.85
0.85
$1.21
2.08%

Bulls say / Bears say

On August 6, 2025, Moody’s upgraded Essent Guaranty to A2 from A3 and Essent Group’s senior unsecured debt rating to Baa2 from Baa3 with a stable outlook, reflecting enhanced balance sheet strength and expected lower funding costs (Business Wire)
Essent entered into two excess-of-loss reinsurance agreements covering 20% of new policies for calendar years 2025 and 2026 and increased affiliate quota share ceding to 50%, significantly boosting risk diversification and capital efficiency (Business Wire)
Insurance in force reached a record $246.8 billion at June 30, 2025, while net investment income rose 9% to $117.5 million for H1 2025, demonstrating strong scale and diversified revenue streams driving resilient earnings (Business Wire)
Net income fell 4.1% year-over-year to $195.3 million in Q2 2025 from $203.6 million a year earlier, as increased loss provisions weighed on earnings (Business Wire)
Core mortgage insurance segment loss ratio surged to 6.6% in Q2 2025 from -0.5% a year earlier after GAAP loss provisions increased to $17.1 million, highlighting potential volatility in underwriting results (Nasdaq)
Year-to-date share repurchases of $387 million have consumed over 75% of the $500 million authorization, risking overvaluation and constraining capital flexibility amid cyclical housing market uncertainty (Business Wire)
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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