Essent Group Ltd.
ESNT · Price history
Price at last available close
$66.31
+$2.87 (+4.52%) 1M
2026-10-27
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Company & revenue
About Essent Group Ltd.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. The company’s mortgage insurance products include primary, pool, and master policy.
How they make money
Essent Group Ltd. generates revenue primarily through premiums earned on private mortgage insurance policies, which protect lenders against losses from borrower defaults. The company also earns income from reinsurance contracts, title insurance, and settlement services, while managing an investment portfolio that generates interest and dividend income.
Products & services
Private mortgage insurance, reinsurance, title insurance, and settlement services for the housing finance industry.
Brands & revenue mix
Primary brand under which the company operates its insurance and services businesses.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company's mortgage insurance business is concentrated among a limited number of large mortgage lenders and originators, as disclosed in the 2025 10-K.
Suppliers, materials & equipment
- Information Technology and Data Service Providers — The company relies on various third-party vendors for cloud computing, data processing, and software services essential to its underwriting and operational platforms.Source
Competitors
- Enact Holdings, Inc. — A provider of private mortgage insurance in the United States.Source
- MGIC Investment Corporation — A provider of private mortgage insurance in the United States.Source
- Radian Group Inc. — A provider of private mortgage insurance and related services.Source
- National Mortgage Insurance Corporation — A provider of private mortgage insurance.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
76
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
76
Strong
Financial Strength
72
Business Quality / Moat
75
Management
100
Growth Quality
39
Risk / Durability
98
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
72
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
69/100
Building Historical Record
Model Score 69/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is strong across its combined quality, valuation and risk inputs. Review Company Quality separately to assess the business without its share price.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Strong overall Wall Street Score
- •Valuation scores attractively
- •Recent buyback activity is present
- •M&A headline · Aug 30, 2026
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for ESNT
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can ESNT maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is ESNT's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ESNT's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is ESNT's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
76
Opportunity Score
72
Market Cap
$5.96B
P/E Ratio
8.0
EPS
$7.23
52-Week High
$70.37
52-Week Low
$55.34
Beta
0.76
Intrinsic Value
$168.21
Analyst Target
$68.00
Shares Outstanding
100.0M
Total Revenue
$1.32B
Total Debt
$496.0M
Dividend
No current dividend
Liquidation Value / Share
$56.62
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ESNT
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Aug 30, 2026
Connor Clark & Lunn Investment Management Ltd. Acquires Shares of 34,217 Essent Group Ltd. $ESNT — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on ESNT.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong capital position and financial resilience.
- +Established relationships with major mortgage lenders.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Specialty industry.
- −Changes in housing market conditions and mortgage origination volumes.
- −Regulatory changes affecting the mortgage insurance industry and GSE requirements.
- −Competition from government-sponsored enterprises and other private insurers.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
72
Sep 21, 2026
Change
+4.1
points
Current Score
76
Oct 1, 2026
Category Changes
ESNT increased 4.1 points because Revenue improved by 2.2 points, Asset improved by 3.1 points, Capital improved by 11 points.
Positive Contributors
- + Revenue improved by 2.2 points
- + Asset improved by 3.1 points
- + Capital improved by 11 points
Projected Score
Projected Score
75
Projected Change
-1.0 points
Preliminary comparable-period financial changes suggest decline of approximately 1.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$66.31
Model Intrinsic Value
$168.21
Difference
−$101.90
-60.6% vs IV
Margin of Safety
60.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.32B | $1.26B | $1.27B | $1.13B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $198.2M | $149.3M | $81.2M | $31.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $1.13B | $1.11B | $1.19B | $1.10B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $29.2M | $0.00 | $136.4M | $114.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $304.5M | $289.7M | $330.4M | $276.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $857.2M | $859.8M | $896.6M | $857.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $820.7M | $821.9M | $855.5M | $823.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $32.7M | $32.7M | $35.3M | $30.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $820.7M | $821.9M | $855.5M | $823.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $140.0M | $131.9M | $126.1M | $126.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $680.7M | $690.0M | $729.4M | $696.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $7.23 | $6.97 | $6.92 | $6.56 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 90.74M | 99.00M | 105M | 106M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 91.39M | 100M | 107M | 107M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$362.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.08
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+0.3%
Cash Change
-19.3%
Margin Change
-7.6 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 11.2%. EPS increased 7.8%. Cash declined 19.3%. Total debt increased 0.3%. Net income margin declined by 7.6 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · ESNT
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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