ESNT Stock Analysis: Essent | NYSE
Insurance - Specialty | NYSE, USA | Market Cap: 5.616m USD | 12M Return: 11.2% | BMG3198U1027 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 53.7M
EPS Trend: 84.1%
Qual. Beats: 1
Rev. Trend: 87.2%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Essent Group Ltd. (NYSE: ESNT) provides private mortgage insurance and reinsurance, along with title insurance and settlement services, to U.S. mortgage lenders, borrowers, and investors. The company operates through two segments: Mortgage Insurance and Reinsurance. Its mortgage insurance offerings include primary, pool, and master policy products, and it also supplies information technology maintenance and development services, customer support services, underwriting consulting for third-party reinsurers, contract underwriting services, and credit risk management products. In addition, Essent provides title insurance underwriting and settlement services. Its customer base consists of residential mortgage loan originators, including regulated depository institutions, mortgage banks, credit unions, and other lenders.
Founded in 2008 and headquartered in Hamilton, Bermuda, Essent is classified within the GICS Financials sector under the Commercial & Residential Mortgage Finance sub-industry. The company trades as a mid-cap stock with a market capitalization of approximately $5.7 billion and has been listed on the NYSE since October 2013. Private mortgage insurers like Essent typically play a counter-cyclical role in the housing market, stepping in to absorb losses when borrowers default and lenders require coverage on low-down-payment loans.
- Mortgage origination volume declines as rates stay elevated
- Loss reserves pressured by softening home price appreciation
- Share repurchases continue amid excess capital position
| Net Income: 680.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA -1.25 > 1.0 |
| NWC/Revenue: -19.06% < 20% (prev 441.0%; Δ -460.1% < -1%) |
| CFO/TA 0.11 > 3% & CFO 834.1m > Net Income 680.7m |
| Net Debt (-5.62b) to EBITDA (858.4m): -6.54 < 3 |
| Current Ratio: 0.49 > 1.5 & < 3 |
| Outstanding Shares: last quarter (91.4m) vs 12m ago -9.57% < -2% |
| Gross Margin: 85.03% > 18% (prev 90.81%; Δ -5.79% > 0.5%) |
| Asset Turnover: 17.87% > 50% (prev 18.09%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 26.10 > 6 (EBIT TTM 853.4m / Interest Expense TTM 32.7m) |
| A: -0.03 (Total Current Assets 244.1m - Total Current Liabilities 496.3m) / Total Assets 7.59b |
| B: 0.73 (Retained Earnings 5.55b / Total Assets 7.59b) |
| C: 0.12 (EBIT TTM 853.4m / Avg Total Assets 7.41b) |
| D: 2.94 (Book Value of Equity 5.66b / Total Liabilities 1.93b) |
| Altman-Z'' = 6.02 = AAA |
| DSRI: 1.70 (Receivables 169.8m/98.3m, Revenue 1.32b/1.31b) |
| GMI: 1.07 (GM 90.81% / 85.03%) |
| AQI: 13.25 (AQ_t 0.96 / AQ_t-1 0.07) |
| SGI: 1.01 (Revenue 1.32b / 1.31b) |
| TATA: -0.02 (NI 680.7m - CFO 834.1m) / TA 7.59b) |
| Beneish M = 4.89 (Cap -4..+1) = D |
As of October 18, 2026, the stock is trading at USD 64.70 with a total of 499,009 shares traded. Over the past week, the price has changed by +3.54%, over one month by -4.15%, over three months by -2.52% and over the past year by +11.18%.
Current recommended Stop Loss: 62.20 (which is 3.9% or 1.7 ATR below the current price).
Essent has received a consensus analysts rating of 3.63. Therefore, it is recommended to hold ESNT.
- StrongBuy: 2
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 74.9 | 15.7% |
P/E Trailing = 8.7155
P/E Forward = 8.2305
P/S = 4.2452
P/B = 1.0387
P/EG = 0.84
Revenue TTM = 1.32b USD
EBIT TTM = 853.4m USD
EBITDA TTM = 858.4m USD
Long Term Debt = 496.0m USD (from longTermDebt, last quarter)
Short Term Debt = 5.98m USD (from shortTermDebt, last fiscal year)
Debt = 496.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -5.62b USD (calculated: Debt 496.0m - CCE 6.11b)
Enterprise Value = 5.62b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 26.10 (Ebit TTM 853.4m / Interest Expense TTM 32.7m)
EV/FCF = 8.32x (Enterprise Value 5.62b / FCF TTM 675.2m)
FCF Yield = 12.02% (FCF TTM 675.2m / Enterprise Value 5.62b)
FCF Margin = 51.02% (FCF TTM 675.2m / Revenue TTM 1.32b)
Net Margin = 51.43% (Net Income TTM 680.7m / Revenue TTM 1.32b)
Gross Margin = 85.03% ((Revenue TTM 1.32b - Cost of Revenue TTM 198.2m) / Revenue TTM)
Gross Margin QoQ = 86.50% (prev 85.37%)
Tobins Q-Ratio = 0.74 (Enterprise Value 5.62b / Total Assets 7.59b)
Interest Expense / Debt = 6.59% (Interest Expense 32.7m / Debt 496.0m)
Taxrate = 17.06% (140.0m / 820.7m)
NOPAT = 707.8m (EBIT 853.4m * (1 - 17.06%))
Current Ratio = 0.33 (Total Current Assets 244.1m / Total Current Liabilities 737.7m)
Debt / Equity = 0.09 (Debt 496.0m / totalStockholderEquity, last quarter 5.66b)
Debt / EBITDA = -6.54 (Net Debt -5.62b / EBITDA 858.4m)
Debt / FCF = -8.32 (Net Debt -5.62b / FCF TTM 675.2m)
Total Stockholder Equity = 5.71b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.19% (Net Income 680.7m / Total Assets 7.59b)
RoE = 11.91% (Net Income TTM 680.7m / Total Stockholder Equity 5.71b)
RoCE = 13.74% (EBIT 853.4m / Capital Employed (Equity 5.71b + L.T.Debt 496.0m))
RoIC = 10.06% (NOPAT 707.8m / Invested Capital 7.04b)
WACC = 6.04% (E(5.62b)/V(6.11b) * Re(6.09%) + D(496.0m)/V(6.11b) * Rd(6.59%) * (1-Tc(0.17)))
Discount Rate = 6.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.36 | Cagr: -6.68%
[DCF] Terminal Value 74.31% ; FCFF base≈698.0m ; Y1≈655.1m ; Y5≈606.3m
[DCF] Fair Price = 169.0 (EV 9.57b - Net Debt -5.62b = Equity 15.2b / Shares 89.9m; r=8.35% [WACC [floored]]; 5y FCF grow -7.79% → 2.50% )
EPS Correlation: 84.05 | EPS CAGR: 3.52% | SUE: 2.14 | # QB: 1
Revenue Correlation: 87.16 | Revenue CAGR: 7.56% | SUE: 2.64 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.87 | Chg30d=+0.68% | Revisions=+38% | Analysts=7
EPS current Year (2026-12-31): EPS=7.60 | Chg30d=+0.51% | Revisions=+67% | GrowthEPS=+10.1% | GrowthRev=+8.0%
EPS next Year (2027-12-31): EPS=7.96 | Chg30d=+1.32% | Revisions=+62% | GrowthEPS=+4.8% | GrowthRev=+4.6%
[Analyst] Revisions Ratio: +74% (up=15, down=1)