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
Website
Essent Metrics
BasicAdvanced
$5.9B
8.71
$6.85
0.85
$1.21
2.08%
Price and volume
Market cap
$5.9B
Beta
0.85
52-week high
$65.90
52-week low
$51.61
Average daily volume
724K
Dividend rate
$1.21
Financial strength
Current ratio
2.03
Quick ratio
1.557
Long term debt to equity
8.719
Total debt to equity
8.719
Dividend payout ratio (TTM)
16.98%
Interest coverage (TTM)
24.42%
Profitability
EBITDA (TTM)
882.24
Gross margin (TTM)
88.41%
Net profit margin (TTM)
56.36%
Operating margin (TTM)
69.12%
Effective tax rate (TTM)
14.97%
Revenue per employee (TTM)
$2,430,000
Management effectiveness
Return on assets (TTM)
7.88%
Return on equity (TTM)
12.94%
Valuation
Price to earnings (TTM)
8.71
Price to revenue (TTM)
4.86
Price to book
1.05
Price to tangible book (TTM)
1.06
Price to free cash flow (TTM)
7.211
Free cash flow yield (TTM)
13.87%
Free cash flow per share (TTM)
8.277
Dividend yield (TTM)
2.03%
Forward dividend yield
2.08%
Growth
Revenue change (TTM)
5.28%
Earnings per share change (TTM)
-0.84%
3-year revenue growth (CAGR)
6.52%
10-year revenue growth (CAGR)
15.45%
3-year earnings per share growth (CAGR)
-5.66%
10-year earnings per share growth (CAGR)
17.11%
3-year dividend per share growth (CAGR)
14.80%
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.
Essent News
AllArticlesVideos
Essent Group Ltd. Schedules Third Quarter Earnings Conference Call for November 7, 2025
Business Wire5 days ago
Essent Group Ltd. Announces Second Quarter 2025 Results and Declares Quarterly Dividend
Business Wire2 months ago
Essent Group Likely To Report Lower Q2 Earnings; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call
Benzinga2 months ago
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Essent stock?
Essent (ESNT) has a market cap of $5.9B as of October 22, 2025.
What is the P/E ratio for Essent stock?
The price to earnings (P/E) ratio for Essent (ESNT) stock is 8.71 as of October 22, 2025.
Does Essent stock pay dividends?
Yes, the Essent (ESNT) stock pays dividends to shareholders. As of October 22, 2025, the dividend rate is $1.21 and the yield is 2.08%. Essent has a payout ratio of 16.98% on a trailing twelve-month basis.
When is the next Essent dividend payment date?
The next Essent (ESNT) dividend payment date is unconfirmed.
What is the beta indicator for Essent?
Essent (ESNT) has a beta rating of 0.85. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.