Overview Dividends

(ESNT) Essent - Ratings and Ratios

Exchange: NYSE • Country: Bermuda • Currency: USD • Type: Common Stock • ISIN: BMG3198U1027

Mortgage Insurance, Reinsurance, Title Insurance, Underwriting Services

ESNT EPS (Earnings per Share)

EPS Growth (3Y CAGR): 5.72%
EPS Trend (3Y Correlation): 58.9%

ESNT Revenue

Revenue Growth (3Y CAGR): 8.31%
Revenue Trend (3Y Correlation): -23.9%

Description: ESNT Essent

Essent Group Ltd is a leading provider of private mortgage insurance and reinsurance for US residential mortgages, offering a range of products including primary, pool, and master policy mortgage insurance. The company also provides ancillary services such as IT maintenance, customer support, underwriting consulting, and credit risk management products, as well as title insurance and settlement services.

From a business perspective, Essent Group serves a diverse customer base including regulated depository institutions, mortgage banks, credit unions, and other lenders, as well as mortgage borrowers and investors. The companys revenue streams are likely driven by the volume of mortgage originations and the level of insurance coverage required by lenders.

Some key performance indicators (KPIs) to monitor Essent Groups performance include: the companys loss ratio, which measures the proportion of insurance claims paid out relative to premiums earned; the risk-to-capital ratio, which assesses the companys capital adequacy relative to its risk exposure; and the return on equity (RoE) of 12.98%, indicating a relatively strong return on shareholder capital. Additionally, the companys market share in the US private mortgage insurance market and its underwriting profitability are also important metrics to track.

From a valuation perspective, Essent Groups price-to-earnings (P/E) ratio of 8.18 suggests a relatively low valuation compared to its earnings, potentially indicating a attractive investment opportunity. However, further analysis is required to determine whether this valuation is justified by the companys growth prospects and risk profile.

ESNT Stock Overview

Market Cap in USD	6,207m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	2013-10-31

ESNT Stock Ratings

Growth Rating	40.0%
Fundamental	78.0%
Dividend Rating	68.9%
Return 12m vs S&P 500	-13.6%
Analyst Rating	3.88 of 5

ESNT Dividends

Dividend Yield 12m	2.02%
Yield on Cost 5y	3.74%
Annual Growth 5y	11.84%
Payout Consistency	100.0%
Payout Ratio	17.7%

ESNT Growth Ratios

Growth Correlation 3m	34.8%
Growth Correlation 12m	-0.7%
Growth Correlation 5y	75.5%
CAGR 5y	14.20%
CAGR/Max DD 5y	0.43
Sharpe Ratio 12m	1.41
Alpha	-9.84
Beta	0.547
Volatility	22.63%
Current Volume	439.4k
Average Volume 20d	561.8k
Stop Loss	60.8 (-3.1%)
Signal	0.00

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (714.8m TTM) > 0 and > 6% of Revenue (6% = 60.8m TTM)

FCFTA 0.12 (>2.0%) and ΔFCFTA -0.22pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -29.85% (prev 239.1%; Δ -269.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.12 (>3.0%) and CFO 867.0m > Net Income 714.8m (YES >=105%, WARN >=100%)

Net Debt (402.5m) to EBITDA (886.2m) ratio: 0.45 <= 3.0 (WARN <= 3.5)

Current Ratio 0.38 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (101.1m) change vs 12m ago -5.36% (target <= -2.0% for YES)

Gross Margin 90.45% (prev 81.46%; Δ 8.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 14.57% (prev 18.00%; Δ -3.43pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 24.42 (EBITDA TTM 886.2m / Interest Expense TTM 35.9m) >= 6 (WARN >= 3)

Altman Z'' 6.07

(A) -0.04 = (Total Current Assets 187.0m - Total Current Liabilities 489.6m) / Total Assets 7.22b

(B) 0.69 = Retained Earnings (Balance) 5.00b / Total Assets 7.22b

(D) 3.09 = Book Value of Equity 4.78b / Total Liabilities 1.55b

Total Rating: 6.07 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 78.00

1. Piotroski 7.0pt = 2.0

2. FCF Yield 131.7% = 5.0

3. FCF Margin 84.33% = 7.50

4. Debt/Equity 0.09 = 2.50

5. Debt/Ebitda 0.56 = 2.26

6. ROIC - WACC 4.64% = 5.80

7. RoE 12.67% = 1.06

8. Rev. Trend -23.94% = -1.20

9. Rev. CAGR 8.31% = 1.04

10. EPS Trend 58.91% = 1.47

11. EPS CAGR 5.72% = 0.57

What is the price of ESNT shares?

As of August 31, 2025, the stock is trading at USD 62.74 with a total of 439,400 shares traded.
Over the past week, the price has changed by -1.33%, over one month by +11.52%, over three months by +8.82% and over the past year by +1.02%.

Is Essent a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Essent (NYSE:ESNT) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 78.00 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ESNT is around 62.84 USD . This means that ESNT is currently overvalued and has a potential downside of 0.16%.

Is ESNT a buy, sell or hold?

Essent has received a consensus analysts rating of 3.88. Therefore, it is recommended to buy ESNT.

Strong Buy: 2
Buy: 3
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ESNT price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	66.3	5.6%
Analysts Target Price	64.8	3.2%
ValueRay Target Price	69.5	10.7%

Last update: 2025-08-22 02:46

ESNT Fundamental Data Overview

Market Cap USD = 6.21b (6.21b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 6.06b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.0889
P/E Forward = 9.3197
P/S = 4.8942
P/B = 1.0961
P/EG = 0.84
Beta = 0.816
Revenue TTM = 1.01b USD
EBIT TTM = 876.6m USD
EBITDA TTM = 886.2m USD
Long Term Debt = 494.6m USD (from longTermDebt, last quarter)
Short Term Debt = 5.85m USD (from shortTermDebt, last fiscal year)
Debt = 500.5m USD (Calculated: Short Term 5.85m + Long Term 494.6m)
Net Debt = 402.5m USD (from netDebt column, last quarter)
Enterprise Value = 649.1m USD (6.21b + Debt 500.5m - CCE 6.06b)
Interest Coverage Ratio = 24.42 (Ebit TTM 876.6m / Interest Expense TTM 35.9m)
FCF Yield = 131.7% (FCF TTM 854.8m / Enterprise Value 649.1m)
FCF Margin = 84.33% (FCF TTM 854.8m / Revenue TTM 1.01b)
Net Margin = 70.52% (Net Income TTM 714.8m / Revenue TTM 1.01b)
Gross Margin = 90.45% ((Revenue TTM 1.01b - Cost of Revenue TTM 96.8m) / Revenue TTM)
Tobins Q-Ratio = 0.14 (Enterprise Value 649.1m / Book Value Of Equity 4.78b)
Interest Expense / Debt = 1.63% (Interest Expense 8.15m / Debt 500.5m)
Taxrate = 14.74% (from yearly Income Tax Expense: 126.1m / 855.5m)
NOPAT = 747.4m (EBIT 876.6m * (1 - 14.74%))
Current Ratio = 0.38 (Total Current Assets 187.0m / Total Current Liabilities 489.6m)
Debt / Equity = 0.09 (Debt 500.5m / last Quarter total Stockholder Equity 5.67b)
Debt / EBITDA = 0.56 (Net Debt 402.5m / EBITDA 886.2m)
Debt / FCF = 0.59 (Debt 500.5m / FCF TTM 854.8m)
Total Stockholder Equity = 5.64b (last 4 quarters mean)
RoA = 9.90% (Net Income 714.8m, Total Assets 7.22b )
RoE = 12.67% (Net Income TTM 714.8m / Total Stockholder Equity 5.64b)
RoCE = 14.28% (Ebit 876.6m / (Equity 5.64b + L.T.Debt 494.6m))
RoIC = 12.18% (NOPAT 747.4m / Invested Capital 6.14b)
WACC = 7.53% (E(6.21b)/V(6.71b) * Re(8.03%)) + (D(500.5m)/V(6.71b) * Rd(1.63%) * (1-Tc(0.15)))
Shares Correlation 5-Years: -100.0 | Cagr: -2.10%
Discount Rate = 8.03% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 79.72% ; FCFE base≈835.8m ; Y1≈927.0m ; Y5≈1.21b
Fair Price DCF = 211.1 (DCF Value 21.01b / Shares Outstanding 99.6m; 5y FCF grow 12.56% → 3.0% )
Revenue Correlation: -23.94 | Revenue CAGR: 8.31%
Rev Growth-of-Growth: -48.11
EPS Correlation: 58.91 | EPS CAGR: 5.72%
EPS Growth-of-Growth: -6.44

Additional Sources for ESNT Stock

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