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Home CompaniesEssent Group Ltd

Essent Group Ltd

Financial Services Insurance - Specialty
PortfolioPortfolio WatchlistWatchlist
Company price
64.8 USD 1.39 ( 2.19%)
Last update at 2026-11-09T17:50:00Z
VOLUME
376419
Market Cap
5972.27M
P/E
9.16

Momentum Score

…

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. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
63.28
Low
65.01
High
52 Week Price Range
53.95
Low
66.68
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Essent Group Ltd is a US-listed private mortgage insurer that provides insurance and related risk-management solutions to lenders to protect against borrower default on residential mortgages. Long-term growth may be supported by demand for low-down-payment financing, mortgage origination volumes, and the role of private mortgage insurance in housing finance. The company appears positioned to benefit from scale in underwriting and risk analytics that could support earnings across housing cycles.

Key investment risks include sensitivity to housing-market cycles and rising mortgage defaults, volatility in origination and refinancing activity from interest-rate moves, and potential pressure on capital and loss reserves from adverse credit experience or regulatory changes.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
63.41
Dividend Yield
1.98%
Revenue TTM
1260.94M
Revenue Per Share
12.74
Gross Profit TTM
1010.34M
Debt / Equity
0.10
ROE
12.15%
Net Debt
439.56M
ROCE
12.34%
Diluted EPS TTM
6.90

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 821.86M 855.49M 823.00M 988.19M 822.31M
Net income 689.97M 729.40M 696.39M 831.35M 681.78M
Selling general administrative 129.95M 136.39M 114.90M 100.30M 101.34M
Gross profit 1111.60M 1185.93M 1099.54M 800.41M 805.27M
Reconciled depreciation 5.23M 5.78M 4.53M 3.02M 3.38M
Ebit 854.56M 890.81M 853.14M 1022.14M 811.92M
Ebitda 859.79M 896.59M 857.66M 1025.17M 815.29M
Depreciation and amortization 5.23M 5.78M 4.53M 3.02M 3.38M
Operating income 821.86M 855.49M 823.00M 1022.14M 811.92M
Other operating expenses 439.07M 411.66M 308.09M -16.04M 149.81M
Interest expense 32.70M 35.32M 30.14M 15.61M 8.28M
Tax provision 131.89M 126.09M 126.61M 156.83M 140.53M
Net interest income -32.70M -35.32M -30.14M -15.61M -8.28M
Income tax expense 131.89M 126.09M 126.61M 156.83M 140.53M
Total revenue 1260.93M 1267.15M 1131.09M 972.15M 972.12M
Total operating expenses 289.74M 330.44M 276.54M 171.73M -160.21M
Cost of revenue 149.34M 81.22M 31.54M 171.73M 166.86M
Total other income expense net 24.04M -35.32M -30.14M -33.95M 10.40M
Net income from continuing ops 689.97M 729.40M 696.39M 831.35M 681.78M
Net income applicable to common shares - - - 831.35M 681.78M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 7441.00M 7111.65M 6426.67M 5723.80M 5722.17M
Intangible assets - 79.56M 72.83M - -
Other current assets - -6063.77M 2469.86M 451.62M 387.36M
Total liab 1684.28M 1507.99M 1324.12M 1261.49M 1486.06M
Total stockholder equity 5756.73M 5603.66M 5102.55M 4462.31M 4236.11M
Deferred long term liab - - - 356.81M 373.65M
Other current liab 415.72M -5.85M 29.61M -2.40M -419.82M
Common stock 1.43M 1.57M 1.60M 1.61M 1.64M
Capital stock 1.43M 1.57M 1.60M 1.61M 1.64M
Retained earnings 5257.39M 4691.11M 4081.58M 3493.11M 2754.81M
Other liab - - - 516.08M 373.65M
Good will 78.15M - -11.33M - -
Other assets 7139.35M 7111.65M 2188.94M 5313.56M -4343.17M
Cash 123.05M 131.48M 141.79M 81.24M 81.49M
Total current liabilities 513.42M 489.60M 500.25M 418.46M 419.82M
Current deferred revenue 91.73M - - - -
Net debt 439.56M 362.48M 280.13M 339.62M 338.33M
Short term debt 5.98M 5.85M 5.30M 420.86M 419.82M
Short long term debt - 0.00M 421.92M 420.86M 419.82M
Short long term debt total 562.61M 493.96M 421.92M 420.86M 419.82M
Other stockholder equity 649.89M 1214.96M 1299.87M 1350.38M 1428.95M
Property plant equipment - - - 19.57M 11.92M
Total current assets 174.32M 187.04M 205.05M 390.67M 5090.53M
Long term investments 6104.09M 5876.72M 5540.97M 4741.62M 4962.89M
Net tangible assets - - - 4462.31M 4236.11M
Short term investments 6104.09M 5876.72M 928.73M 4741.62M 4962.89M
Net receivables 51.27M 55.56M 63.27M 57.40M 46.16M
Long term debt 495.30M 493.96M - - -
Inventory - - -5468.79M - -
Accounts payable - - - 104.46M 407.44M
Accumulated other comprehensive income -151.99M -303.98M -280.50M -382.79M 50.71M
Common stock total equity - - - 1.61M 1.64M
Retained earnings total equity - - - 3493.11M 2754.81M
Non currrent assets other -6486.60M -5998.15M 3641.32M -4741.62M -4974.81M
Non current assets total 127.34M 121.43M 4032.68M 19.57M 4974.81M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -73.65M -706.93M -542.20M -394.89M -580.67M
Change to liabilities - - - -24.53M -55.38M
Total cashflows from investing activities -154.74M -706.93M -525.57M -398.87M -583.17M
Net borrowings 0.00M 73.16M 0.00M -0.15M 94.15M
Total cash from financing activities -709.75M -164.91M -176.88M -190.20M -147.43M
Change to operating activities - - - -247.70M 36.45M
Net income 689.97M 729.40M 696.39M 831.35M 681.78M
Change in cash -8.43M -10.31M 60.55M -0.25M -21.34M
Begin period cash flow 131.48M 141.79M 81.24M 81.49M 102.83M
End period cash flow 123.05M 131.48M 141.79M 81.24M 81.49M
Total cash from operating activities 856.05M 861.53M 763.00M 588.82M 709.26M
Issuance of capital stock - - - 0.00M 0.00M
Depreciation 5.23M 5.78M 4.53M 3.02M 3.38M
Other cashflows from investing activities 41.80M -10.00M -690.47M - -
Dividends paid 122.07M 118.04M 106.22M -92.13M -77.72M
Change to account receivables 4.42M 7.47M -2.07M -11.21M 3.34M
Sale purchase of stock -587.68M -111.54M -70.67M -97.91M -163.85M
Other cashflows from financing activities -587.68M -8.49M -525.57M -0.15M -5.85M
Change to netincome - - - 75.15M 73.79M
Capital expenditures 7.36M 6.77M 4.00M 3.98M 2.50M
Change receivables - - - -17.83M -3.26M
Cash flows other operating - - - -296.70M -24.79M
Cash and cash equivalents changes - - - -0.25M -21.34M
Change in working capital 80.92M 40.34M 16.23M -339.06M -83.44M
Stock based compensation 20.85M 24.78M 18.45M 18.38M 20.84M
Other non cash items 79.93M 29.05M 40.66M 16.95M 2.67M
Free cash flow 848.69M 854.77M 759.00M 584.84M 706.76M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Specialty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
ESNT
Essent Group Ltd		 1.39
2.19%		 64.80 9.16 8.55 4.74 1.02 4.86
FNF
Fidelity National Financial Inc		 0.44
1.00%		 44.28 22.83 12.82 0.95 1.85 1.14
MDBPF
Medibank Private Limited		 -
-%		 3.90 32.50 20.92 1.16 6.50 1.62
AXS
AXIS Capital Holdings Ltd		 -0.36
0.34%		 105.61 8.27 7.52 1.15 1.30 1.37
ACT
Enact Holdings Inc		 -0.28
0.60%		 46.15 10.57 9.64 5.43 1.26 5.73

Profile*

Essent Group Ltd

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. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.

Clarendon House, Hamilton, Bermuda, HM11

441 297 9901

https://ir.essentgroup.com

514

Name Title Year Born
Mr. Mark Anthony Casale Chairman, CEO & Pres 1965
Ms. Mary Lourdes Gibbons Sr. VP, Chief Legal Officer & Assistant Sec. 1962
Mr. Vijay Bhasin Chief Risk Officer & Sr. VP 1965
Mr. Lawrence Edmond McAlee Jr., CPA Special Advisor 1964
Mr. Christopher G. Curran Pres of Essent Guaranty, Inc. NA
Mr. David Bruce Weinstock Chief Accounting Officer, Interim CFO & VP 1965
Mr. William Daniel Kaiser Sr. VP & COO NA
Theodore Gray Sr. VP & Chief Information Officer NA
Mr. Philip Michael Stefano VP of Investor Relations NA
Wei Ding Sr. VP of Corp. Devel. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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