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): 5.63%
EPS Trend (3Y Correlation): 58.4%

ESNT Revenue

Revenue Growth (3Y CAGR): 8.31%
Revenue Trend (3Y Correlation): 42.4%

Description: ESNT Essent July 28, 2025

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	5,863m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	2013-10-31

ESNT Stock Ratings

Growth Rating	73.6%
Fundamental	74.8%
Dividend Rating	72.4%
Return 12m vs S&P 500	-16.4%
Analyst Rating	3.88 of 5

ESNT Dividends

Dividend Yield 12m	2.02%
Yield on Cost 5y	3.35%
Annual Growth 5y	15.02%
Payout Consistency	100.0%
Payout Ratio	17.7%

ESNT Growth Ratios

Growth Correlation 3m	-2.4%
Growth Correlation 12m	71.3%
Growth Correlation 5y	76.2%
CAGR 5y	17.51%
CAGR/Max DD 3y (Calmar Ratio)	0.95
CAGR/Mean DD 3y (Pain Ratio)	2.86
Sharpe Ratio 12m	1.16
Alpha	-18.74
Beta	0.875
Volatility	23.06%
Current Volume	428.6k
Average Volume 20d	642.9k
Stop Loss	58 (-3.2%)
Signal	-0.25

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (714.8m TTM) > 0 and > 6% of Revenue (6% = 68.9m TTM)

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

NWC/Revenue -30.73% (prev 143.4%; Δ -174.1pp) (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 (882.2m) ratio: 0.46 <= 3.0 (WARN <= 3.5)

Current Ratio 0.29 (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 89.55% (prev 97.47%; Δ -7.92pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 16.51% (prev 15.81%; Δ 0.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 24.42 (EBITDA TTM 882.2m / Interest Expense TTM 35.9m) >= 6 (WARN >= 3)

Altman Z'' 6.03

(A) -0.05 = (Total Current Assets 144.5m - Total Current Liabilities 497.4m) / 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: 6.03 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.79

1. Piotroski 6.0pt = 1.0

2. FCF Yield data missing

3. FCF Margin 74.45% = 7.50

4. Debt/Equity 0.09 = 2.50

5. Debt/Ebitda 0.46 = 2.34

6. ROIC - WACC (= 3.44)% = 4.30

7. RoE 12.67% = 1.06

8. Rev. Trend 42.43% = 3.18

9. EPS Trend 58.35% = 2.92

What is the price of ESNT shares?

As of October 29, 2025, the stock is trading at USD 59.89 with a total of 428,606 shares traded.
Over the past week, the price has changed by -0.37%, over one month by -6.17%, over three months by +7.30% and over the past year by +0.10%.

Is Essent a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Essent (NYSE:ESNT) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 74.79 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 60.60 USD . This means that ESNT is currently overvalued and has a potential downside of 1.19%.

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	67.5	12.7%
Analysts Target Price	67.5	12.7%
ValueRay Target Price	67.7	13%

ESNT Fundamental Data Overview October 20, 2025

Market Cap USD = 5.86b (5.86b USD * 1.0 USD.USD)
P/E Trailing = 8.6735
P/E Forward = 8.2645
P/S = 4.6225
P/B = 1.0693
P/EG = 0.84
Beta = 0.875
Revenue TTM = 1.15b USD
EBIT TTM = 876.6m USD
EBITDA TTM = 882.2m USD
Long Term Debt = 494.6m USD (from longTermDebt, last quarter)
Short Term Debt = 5.85m USD (from shortTermDebt, last fiscal year)
Debt = 494.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 402.5m USD (from netDebt column, last quarter)
Enterprise Value = 298.7m USD (5.86b + Debt 494.6m - CCE 6.06b)
Interest Coverage Ratio = 24.42 (Ebit TTM 876.6m / Interest Expense TTM 35.9m)
FCF Yield = 286.1% (FCF TTM 854.8m / Enterprise Value 298.7m)
FCF Margin = 74.45% (FCF TTM 854.8m / Revenue TTM 1.15b)
Net Margin = 62.26% (Net Income TTM 714.8m / Revenue TTM 1.15b)
Gross Margin = 89.55% ((Revenue TTM 1.15b - Cost of Revenue TTM 120.0m) / Revenue TTM)
Gross Margin QoQ = 94.77% (prev 90.35%)
Tobins Q-Ratio = 0.04 (Enterprise Value 298.7m / Total Assets 7.22b)
Interest Expense / Debt = 1.65% (Interest Expense 8.15m / Debt 494.6m)
Taxrate = 15.50% (35.8m / 231.2m)
NOPAT = 740.7m (EBIT 876.6m * (1 - 15.50%))
Current Ratio = 0.29 (Total Current Assets 144.5m / Total Current Liabilities 497.4m)
Debt / Equity = 0.09 (Debt 494.6m / totalStockholderEquity, last quarter 5.67b)
Debt / EBITDA = 0.46 (Net Debt 402.5m / EBITDA 882.2m)
Debt / FCF = 0.47 (Net Debt 402.5m / FCF TTM 854.8m)
Total Stockholder Equity = 5.64b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 5.64b + L.T.Debt 494.6m))
RoIC = 12.07% (NOPAT 740.7m / Invested Capital 6.14b)
WACC = 8.63% (E(5.86b)/V(6.36b) * Re(9.24%) + D(494.6m)/V(6.36b) * Rd(1.65%) * (1-Tc(0.16)))
Discount Rate = 9.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.74%
[DCF Debug] Terminal Value 75.68% ; FCFE base≈835.8m ; Y1≈927.0m ; Y5≈1.21b
Fair Price DCF = 172.1 (DCF Value 16.96b / Shares Outstanding 98.5m; 5y FCF grow 12.56% → 3.0% )
EPS Correlation: 58.35 | EPS CAGR: 5.63% | SUE: 2.10 | # QB: 1
Revenue Correlation: 42.43 | Revenue CAGR: 8.31% | SUE: 0.17 | # QB: 0

Additional Sources for ESNT Stock

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