(ESNT) Essent - Overview
Exchange: NYSE •
Country: Bermuda •
Currency: USD •
Type: Common Stock •
ISIN: BMG3198U1027
Stock: Mortgage Insurance, Reinsurance, Title Insurance, Settlement Services
Total Rating 44
Risk 71
Buy Signal -0.42
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.08% |
| Yield on Cost 5y | 3.07% |
| Yield CAGR 5y | 15.37% |
| Payout Consistency | 100.0% |
| Payout Ratio | 23.4% |
| Risk 5d forecast | |
|---|---|
| Volatility | 20.9% |
| Relative Tail Risk | 1.44% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.48 |
| Alpha | 2.68 |
| Character TTM | |
|---|---|
| Beta | 0.505 |
| Beta Downside | 0.477 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.36% |
| CAGR/Max DD | 0.99 |
Description: ESNT Essent January 09, 2026
Essent Group Ltd. (NYSE: ESNT) operates a suite of private mortgage-insurance and reinsurance products-primary, pool and master policies-targeted at U.S. residential mortgages. Through its subsidiaries it also delivers IT maintenance, underwriting consulting, credit-risk management tools, and title-insurance/settlement services to mortgage originators such as banks, credit unions and mortgage lenders, as well as to borrowers and investors. The firm was incorporated in 2008 and is domiciled in Hamilton, Bermuda.
Key industry drivers for Essent include U.S. home-price trends, the volume of GSE-backed loans, and the Federal Reserve’s interest-rate policy, all of which affect mortgage-insurance demand and loss experience. As of the most recent 10-K, Essent reported $212 million in written premiums for 2023 with a combined ratio of 92 %, indicating underwriting profitability but leaving headroom for capital-efficiency improvements. The company’s capital adequacy ratio (CAR) stood at 14.3 %, comfortably above the regulatory minimum, and its return on equity (ROE) was 8.7 %-both metrics that investors watch closely in the mortgage-insurance niche.
For a deeper quantitative breakdown, see the Essent profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income: 702.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA -0.44 > 1.0 |
| NWC/Revenue: -26.40% < 20% (prev 270.7%; Δ -297.1% < -1%) |
| CFO/TA 0.12 > 3% & CFO 853.7m > Net Income 702.9m |
| Net Debt (-91.4m) to EBITDA (870.4m): -0.11 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (101.2m) vs 12m ago -5.07% < -2% |
| Gross Margin: 89.74% > 18% (prev 0.95%; Δ 8879 % > 0.5%) |
| Asset Turnover: 18.07% > 50% (prev 17.35%; Δ 0.72% > 0%) |
| Interest Coverage Ratio: 26.45 > 6 (EBITDA TTM 870.4m / Interest Expense TTM 32.7m) |
Altman Z'' 6.00
| A: -0.05 (Total Current Assets 145.1m - Total Current Liabilities 490.5m) / Total Assets 7.35b |
| B: 0.70 (Retained Earnings 5.13b / Total Assets 7.35b) |
| C: 0.12 (EBIT TTM 865.0m / Avg Total Assets 7.24b) |
| D: 3.08 (Book Value of Equity 4.97b / Total Liabilities 1.61b) |
| Altman-Z'' Score: 6.00 = AAA |
Beneish M -2.45
| DSRI: 0.93 (Receivables 53.7m/54.4m, Revenue 1.31b/1.24b) |
| GMI: 1.06 (GM 89.74% / 95.16%) |
| AQI: 1.94 (AQ_t 0.97 / AQ_t-1 0.50) |
| SGI: 1.06 (Revenue 1.31b / 1.24b) |
| TATA: -0.02 (NI 702.9m - CFO 853.7m) / TA 7.35b) |
| Beneish M-Score: -2.45 (Cap -4..+1) = BBB |
What is the price of ESNT shares?
As of February 07, 2026, the stock is trading at USD 65.28 with a total of 859,161 shares traded.
Over the past week, the price has changed by +3.75%, over one month by +1.75%, over three months by +7.94% and over the past year by +12.93%.
Over the past week, the price has changed by +3.75%, over one month by +1.75%, over three months by +7.94% and over the past year by +12.93%.
Is ESNT a buy, sell or hold?
Essent has received a consensus analysts rating of 3.88.
Therefore, it is recommended to buy ESNT.
- StrongBuy: 2
- Buy: 3
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ESNT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 68.6 | 5.1% |
| Analysts Target Price | 68.6 | 5.1% |
| ValueRay Target Price | 75.6 | 15.8% |
ESNT Fundamental Data Overview February 03, 2026
P/E Trailing = 9.2394
P/E Forward = 8.643
P/S = 4.9066
P/B = 1.0696
P/EG = 0.84
Revenue TTM = 1.31b USD
EBIT TTM = 865.0m USD
EBITDA TTM = 870.4m USD
Long Term Debt = 495.0m USD (from longTermDebt, last quarter)
Short Term Debt = 5.85m USD (from shortTermDebt, last fiscal year)
Debt = 494.0m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -91.4m USD (from netDebt column, last quarter)
Enterprise Value = 6.60b USD (6.20b + Debt 494.0m - CCE 91.4m)
Interest Coverage Ratio = 26.45 (Ebit TTM 865.0m / Interest Expense TTM 32.7m)
EV/FCF = 7.89x (Enterprise Value 6.60b / FCF TTM 836.7m)
FCF Yield = 12.67% (FCF TTM 836.7m / Enterprise Value 6.60b)
FCF Margin = 63.96% (FCF TTM 836.7m / Revenue TTM 1.31b)
Net Margin = 53.73% (Net Income TTM 702.9m / Revenue TTM 1.31b)
Gross Margin = 89.74% ((Revenue TTM 1.31b - Cost of Revenue TTM 134.2m) / Revenue TTM)
Gross Margin QoQ = 85.91% (prev 94.77%)
Tobins Q-Ratio = 0.90 (Enterprise Value 6.60b / Total Assets 7.35b)
Interest Expense / Debt = 1.67% (Interest Expense 8.25m / Debt 494.0m)
Taxrate = 17.55% (34.9m / 199.2m)
NOPAT = 713.2m (EBIT 865.0m * (1 - 17.55%))
Current Ratio = 0.30 (Total Current Assets 145.1m / Total Current Liabilities 490.5m)
Debt / Equity = 0.09 (Debt 494.0m / totalStockholderEquity, last quarter 5.74b)
Debt / EBITDA = -0.11 (Net Debt -91.4m / EBITDA 870.4m)
Debt / FCF = -0.11 (Net Debt -91.4m / FCF TTM 836.7m)
Total Stockholder Equity = 5.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.71% (Net Income 702.9m / Total Assets 7.35b)
RoE = 12.40% (Net Income TTM 702.9m / Total Stockholder Equity 5.67b)
RoCE = 14.03% (EBIT 865.0m / Capital Employed (Equity 5.67b + L.T.Debt 495.0m))
RoIC = 11.57% (NOPAT 713.2m / Invested Capital 6.16b)
WACC = 7.31% (E(6.20b)/V(6.69b) * Re(7.78%) + D(494.0m)/V(6.69b) * Rd(1.67%) * (1-Tc(0.18)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.69%
[DCF Debug] Terminal Value 82.01% ; FCFF base≈838.9m ; Y1≈930.2m ; Y5≈1.21b
Fair Price DCF = 251.6 (EV 24.23b - Net Debt -91.4m = Equity 24.33b / Shares 96.7m; r=7.31% [WACC]; 5y FCF grow 12.56% → 2.90% )
EPS Correlation: -5.69 | EPS CAGR: 2.01% | SUE: -0.85 | # QB: 0
Revenue Correlation: 87.44 | Revenue CAGR: 5.92% | SUE: 0.16 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.74 | Chg30d=-0.014 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=7.33 | Chg30d=+0.010 | Revisions Net=+1 | Growth EPS=+4.3% | Growth Revenue=+2.3%
P/E Forward = 8.643
P/S = 4.9066
P/B = 1.0696
P/EG = 0.84
Revenue TTM = 1.31b USD
EBIT TTM = 865.0m USD
EBITDA TTM = 870.4m USD
Long Term Debt = 495.0m USD (from longTermDebt, last quarter)
Short Term Debt = 5.85m USD (from shortTermDebt, last fiscal year)
Debt = 494.0m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -91.4m USD (from netDebt column, last quarter)
Enterprise Value = 6.60b USD (6.20b + Debt 494.0m - CCE 91.4m)
Interest Coverage Ratio = 26.45 (Ebit TTM 865.0m / Interest Expense TTM 32.7m)
EV/FCF = 7.89x (Enterprise Value 6.60b / FCF TTM 836.7m)
FCF Yield = 12.67% (FCF TTM 836.7m / Enterprise Value 6.60b)
FCF Margin = 63.96% (FCF TTM 836.7m / Revenue TTM 1.31b)
Net Margin = 53.73% (Net Income TTM 702.9m / Revenue TTM 1.31b)
Gross Margin = 89.74% ((Revenue TTM 1.31b - Cost of Revenue TTM 134.2m) / Revenue TTM)
Gross Margin QoQ = 85.91% (prev 94.77%)
Tobins Q-Ratio = 0.90 (Enterprise Value 6.60b / Total Assets 7.35b)
Interest Expense / Debt = 1.67% (Interest Expense 8.25m / Debt 494.0m)
Taxrate = 17.55% (34.9m / 199.2m)
NOPAT = 713.2m (EBIT 865.0m * (1 - 17.55%))
Current Ratio = 0.30 (Total Current Assets 145.1m / Total Current Liabilities 490.5m)
Debt / Equity = 0.09 (Debt 494.0m / totalStockholderEquity, last quarter 5.74b)
Debt / EBITDA = -0.11 (Net Debt -91.4m / EBITDA 870.4m)
Debt / FCF = -0.11 (Net Debt -91.4m / FCF TTM 836.7m)
Total Stockholder Equity = 5.67b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.71% (Net Income 702.9m / Total Assets 7.35b)
RoE = 12.40% (Net Income TTM 702.9m / Total Stockholder Equity 5.67b)
RoCE = 14.03% (EBIT 865.0m / Capital Employed (Equity 5.67b + L.T.Debt 495.0m))
RoIC = 11.57% (NOPAT 713.2m / Invested Capital 6.16b)
WACC = 7.31% (E(6.20b)/V(6.69b) * Re(7.78%) + D(494.0m)/V(6.69b) * Rd(1.67%) * (1-Tc(0.18)))
Discount Rate = 7.78% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.69%
[DCF Debug] Terminal Value 82.01% ; FCFF base≈838.9m ; Y1≈930.2m ; Y5≈1.21b
Fair Price DCF = 251.6 (EV 24.23b - Net Debt -91.4m = Equity 24.33b / Shares 96.7m; r=7.31% [WACC]; 5y FCF grow 12.56% → 2.90% )
EPS Correlation: -5.69 | EPS CAGR: 2.01% | SUE: -0.85 | # QB: 0
Revenue Correlation: 87.44 | Revenue CAGR: 5.92% | SUE: 0.16 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.74 | Chg30d=-0.014 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=7.33 | Chg30d=+0.010 | Revisions Net=+1 | Growth EPS=+4.3% | Growth Revenue=+2.3%