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
$6.3B
9.32
$6.85
0.85
$1.21
1.94%
Price and volume
Market cap
$6.3B
Beta
0.85
52-week high
$65.90
52-week low
$51.61
Average daily volume
600K
Dividend rate
$1.21
Financial strength
Current ratio
2.03
Quick ratio
1.162
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)
82.12%
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)
9.315
Price to revenue (TTM)
5.198
Price to book
1.12
Price to tangible book (TTM)
1.14
Price to free cash flow (TTM)
7.712
Free cash flow yield (TTM)
12.97%
Free cash flow per share (TTM)
8.277
Dividend yield (TTM)
1.90%
Forward dividend yield
1.94%
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
Essent delivered Q2 2025 diluted EPS of $1.93, beating analyst expectations of $1.72 by 12%, driven by strong credit performance and higher investment income (Investing.com) (Investing.com).
Moody’s upgraded Essent Guaranty’s insurance financial strength rating to A2 and Essent Group’s senior unsecured debt rating to Baa2 with stable outlook on August 6, 2025, underscoring the firm’s enhanced credit quality (Investing.com) (Investing.com).
Net investment income for the first half of 2025 rose 9% year-over-year to $117.5 million, reflecting higher yields on Essent’s $6.4 billion investment portfolio and bolstering overall profitability (Investing.com) (Investing.com).
The GAAP provision for losses and loss adjustment expenses rose to $17.1 million in Q2 2025 from a net benefit a year earlier, pushing the loss ratio to 6.6% and signaling rising credit costs (Nasdaq) (Nasdaq).
New insurance written remained flat at $12.5 billion year-over-year in Q2 2025, indicating limited growth in Essent’s core mortgage insurance underwriting business (Investing.com) (Investing.com).
Deutsche Bank cut its price target on Essent Group Ltd to $47 from $58, reflecting cautious analyst sentiment on the stock’s near-term upside (Reuters) (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
Essent News
AllArticlesVideos
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
Essent Group Ltd. Schedules Second Quarter Earnings Conference Call for August 8, 2025
Business Wire2 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 $6.3B as of October 01, 2025.
What is the P/E ratio for Essent stock?
The price to earnings (P/E) ratio for Essent (ESNT) stock is 9.32 as of October 01, 2025.
Does Essent stock pay dividends?
Yes, the Essent (ESNT) stock pays dividends to shareholders. As of October 01, 2025, the dividend rate is $1.21 and the yield is 1.94%. 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.