(ESNT) Essent - Ratings and Ratios
Exchange: NYSE •
Country: Bermuda •
Currency: USD •
Type: Common Stock •
ISIN: BMG3198U1027
Mortgage Insurance, Reinsurance, Underwriting Services, Risk Management
Dividends
| Dividend Yield | 1.93% |
| Yield on Cost 5y | 3.20% |
| Yield CAGR 5y | 15.02% |
| Payout Consistency | 100.0% |
| Payout Ratio | 18.1% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 20.9% |
| Value at Risk 5%th | 34.8% |
| Relative Tail Risk | 1.32% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.71 |
| Alpha | 9.46 |
| CAGR/Max DD | 1.22 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.547 |
| Beta | 0.536 |
| Beta Downside | 0.512 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.36% |
| Mean DD | 6.16% |
| Median DD | 5.64% |
Description: ESNT Essent November 06, 2025
Essent Group Ltd. (NYSE: ESNT) is a Bermuda-based insurer that underwrites private mortgage insurance and reinsurance for U.S. residential mortgages, offering primary, pool, and master policies. Its service suite also includes IT maintenance, underwriting consulting for third-party reinsurers, credit-risk management tools, and title-insurance/settlement services, targeting mortgage originators such as banks, credit unions, and mortgage banks, as well as borrowers and investors.
Key industry metrics that shape Essent’s outlook include the U.S. mortgage-insurance loss ratio (historically around 12-15% for the sector) and the combined ratio for reinsurers, which currently sits near 95% amid rising interest rates. A primary driver is the Federal Reserve’s policy stance: higher rates suppress new mortgage origination volumes but can improve underwriting profitability by tightening credit standards. Additionally, the residential-mortgage market’s inventory levels and home-price appreciation rates (≈5% YoY in 2024) directly affect the volume of insurance premiums Essent can generate.
For a deeper, data-driven look at Essent’s valuation multiples, risk exposures, and peer comparisons, consider reviewing the detailed analysis available on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (702.9m TTM) > 0 and > 6% of Revenue (6% = 78.5m TTM) |
| FCFTA 0.11 (>2.0%) and ΔFCFTA -0.44pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -26.40% (prev 270.7%; Δ -297.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.12 (>3.0%) and CFO 853.7m > Net Income 702.9m (YES >=105%, WARN >=100%) |
| Net Debt (-91.4m) to EBITDA (870.4m) ratio: -0.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (101.2m) change vs 12m ago -5.07% (target <= -2.0% for YES) |
| Gross Margin 89.74% (prev 95.16%; Δ -5.42pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 18.07% (prev 17.35%; Δ 0.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 26.45 (EBITDA TTM 870.4m / Interest Expense TTM 32.7m) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: 6.00 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 80.90
| 1. Piotroski 6.0pt |
| 2. FCF Yield 12.92% |
| 3. FCF Margin 63.96% |
| 4. Debt/Equity 0.09 |
| 5. Debt/Ebitda -0.11 |
| 6. ROIC - WACC (= 4.08)% |
| 7. RoE 12.40% |
| 8. Rev. Trend 87.44% |
| 9. EPS Trend -5.69% |
What is the price of ESNT shares?
As of December 13, 2025, the stock is trading at USD 64.37 with a total of 658,625 shares traded.
Over the past week, the price has changed by +4.07%, over one month by +5.17%, over three months by +1.38% and over the past year by +18.63%.
Over the past week, the price has changed by +4.07%, over one month by +5.17%, over three months by +1.38% and over the past year by +18.63%.
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 | 67.3 | 4.5% |
| Analysts Target Price | 67.3 | 4.5% |
| ValueRay Target Price | 76.7 | 19.2% |
ESNT Fundamental Data Overview December 10, 2025
Market Cap USD = 6.08b (6.08b USD * 1.0 USD.USD)
P/E Trailing = 8.9622
P/E Forward = 8.2645
P/S = 4.8083
P/B = 1.0418
P/EG = 0.84
Beta = 0.896
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 = 6.48b USD (6.08b + Debt 494.0m - CCE 91.4m)
Interest Coverage Ratio = 26.45 (Ebit TTM 865.0m / Interest Expense TTM 32.7m)
FCF Yield = 12.92% (FCF TTM 836.7m / Enterprise Value 6.48b)
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 = 0.88 (Enterprise Value 6.48b / 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 = 9.56% (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 = 7.49% (E(6.08b)/V(6.57b) * Re(7.99%) + D(494.0m)/V(6.57b) * Rd(1.67%) * (1-Tc(0.18)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.69%
[DCF Debug] Terminal Value 79.72% ; FCFE base≈838.9m ; Y1≈930.4m ; Y5≈1.21b
Fair Price DCF = 218.2 (DCF Value 21.09b / Shares Outstanding 96.7m; 5y FCF grow 12.56% → 3.0% )
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=1.75 | Chg30d=-0.013 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=7.32 | Chg30d=-0.043 | Revisions Net=-5 | Growth EPS=+4.3% | Growth Revenue=+1.8%
P/E Trailing = 8.9622
P/E Forward = 8.2645
P/S = 4.8083
P/B = 1.0418
P/EG = 0.84
Beta = 0.896
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 = 6.48b USD (6.08b + Debt 494.0m - CCE 91.4m)
Interest Coverage Ratio = 26.45 (Ebit TTM 865.0m / Interest Expense TTM 32.7m)
FCF Yield = 12.92% (FCF TTM 836.7m / Enterprise Value 6.48b)
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 = 0.88 (Enterprise Value 6.48b / 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 = 9.56% (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 = 7.49% (E(6.08b)/V(6.57b) * Re(7.99%) + D(494.0m)/V(6.57b) * Rd(1.67%) * (1-Tc(0.18)))
Discount Rate = 7.99% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.69%
[DCF Debug] Terminal Value 79.72% ; FCFE base≈838.9m ; Y1≈930.4m ; Y5≈1.21b
Fair Price DCF = 218.2 (DCF Value 21.09b / Shares Outstanding 96.7m; 5y FCF grow 12.56% → 3.0% )
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=1.75 | Chg30d=-0.013 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=7.32 | Chg30d=-0.043 | Revisions Net=-5 | Growth EPS=+4.3% | Growth Revenue=+1.8%
Additional Sources for ESNT Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle