ESNT Stock Analysis: Essent | NYSE

Mortgage Insurance, Reinsurance, Title Insurance, Underwriting

Total Rating 51

Safety 23

Buy Signal 0.43

Insurance - Specialty
Industry Rotation: -19.9

Market Cap: 6.21B
Avg Turnover: 36.1M

Risk 3d forecast

Volatility21.6%

VaR 5^th Pctl3.89%

VaR vs Median9.32%

Reward TTM

Sharpe Ratio0.43

Rel. Str. IBD51

Rel. Str. Peer Group50

Character TTM

Beta0.105

Beta Downside0.039

Hurst Exponent0.528

Drawdowns 3y

Max DD18.36%

CAGR/Max DD0.70

CAGR/Mean DD1.98

EPS (Earnings per Share)

EPS CAGR: 3.52%
EPS Trend: 84.1%

Last SUE: 2.14
Qual. Beats: 1

Revenue

Rev. CAGR: 7.56%
Rev. Trend: 87.2%

Last SUE: 2.64
Qual. Beats: 1

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Seasonality 11.6 years of data

Jan -0.1% 5

Feb -3.5% 48

Mar -2.3% 19

Apr +0.8% 8

May +2.9% 22

Jun +0.8% 8

Jul +0.6% 28

Aug +1.6% 12

Sep -1.5% 28

Oct -0.1% 2

Nov +1.3% 25

Dec -2.0% 23

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.

Description: ESNT Essent

Essent Group Ltd. (ESNT) is a Bermuda-based holding company that, through its subsidiaries, provides private mortgage insurance and reinsurance, as well as title insurance and settlement services, to mortgage lenders, borrowers, and investors in the United States. The company operates through two reporting segments: Mortgage Insurance and Reinsurance.

Its mortgage insurance offerings include primary, pool, and master policy products. In addition, Essent provides information technology maintenance and development services, customer support, underwriting consulting to third-party reinsurers, contract underwriting, and credit risk management products. The company also offers title insurance and settlement services, including title insurance underwriting.

Essents customers include originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is headquartered in Hamilton, Bermuda.

Private mortgage insurance generally protects lenders against losses from borrower defaults, and is typically required for residential loans with down payments below 20%, making issuers like Essent directly exposed to U.S. housing finance and credit cycles. Essent is classified under the Financials sector within the Commercial & Residential Mortgage Finance sub-industry.

Headlines to Watch Out For

U.S. mortgage origination volumes drive insurance-in-force growth
Persistency rises as homeowners delay refinancing amid higher rates
Share buybacks accelerate capital return as book value grows

Piotroski VR-10 (Strict) 6.0

Net Income: 680.7m TTM > 0 and > 6% of Revenue
FCF/TA: 0.09 > 0.02 and ΔFCF/TA -1.16 > 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 (825.7m): -6.80 < 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: 25.10 > 6 (EBIT TTM 820.7m / Interest Expense TTM 32.7m)

Altman Z'' 6.00

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: 0.11 (EBIT TTM 820.7m / Avg Total Assets 7.41b)
D: 2.94 (Book Value of Equity 5.66b / Total Liabilities 1.93b)
Altman-Z'' = 6.00 = AAA

Beneish M 1.00

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

What is the price of ESNT shares?

As of August 22, 2026, the stock is trading at USD 68.07 with a total of 289,283 shares traded. Over the past week, the price has changed by -2.16%, over one month by +3.96%, over three months by +10.64% and over the past year by +12.11%.

Current recommended Stop Loss: 64.40 (which is 5.4% or 2.6 ATR below the current price).

Is ESNT a buy, sell or hold?

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

StrongBuy: 2
Buy: 3
Hold: 3
Sell: 0
StrongSell: 0

What are the forecasts/targets for the ESNT price?

Analysts Target Price	74.7	9.8%

Essent (ESNT) - Fundamental Data Overview as of 21 August 2026

Market Cap USD = 6.21b (6.21b USD * 1.0 USD.USD)
P/E Trailing = 9.629
P/E Forward = 9.5877
P/S = 4.6902
P/B = 1.1042
P/EG = 0.84
Revenue TTM = 1.32b USD
EBIT TTM = 820.7m USD
EBITDA TTM = 825.7m 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 = 588.0m USD (6.21b + Debt 496.0m - CCE 6.11b)
Interest Coverage Ratio = 25.10 (Ebit TTM 820.7m / Interest Expense TTM 32.7m)
EV/FCF = 0.86x (Enterprise Value 588.0m / FCF TTM 681.5m)
FCF Yield = 115.9% (FCF TTM 681.5m / Enterprise Value 588.0m)
FCF Margin = 51.49% (FCF TTM 681.5m / 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 = 0.08 (Enterprise Value 588.0m / Total Assets 7.59b)
Interest Expense / Debt = 6.59% (Interest Expense 32.7m / Debt 496.0m)
Taxrate = 17.06% (140.0m / 820.7m)
NOPAT = 680.7m (EBIT 820.7m * (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 = -6.80 (Net Debt -5.62b / EBITDA 825.7m)
Debt / FCF = -8.24 (Net Debt -5.62b / FCF TTM 681.5m)
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 = 13.22% (EBIT 820.7m / Capital Employed (Equity 5.71b + L.T.Debt 496.0m))
RoIC = 9.68% (NOPAT 680.7m / Invested Capital 7.04b)
WACC = 6.28% (E(6.21b)/V(6.70b) * Re(6.35%) + D(496.0m)/V(6.70b) * Rd(6.59%) * (1-Tc(0.17)))
Discount Rate = 6.35% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.36 | Cagr: -6.68%
[DCF] Terminal Value 74.45% ; FCFF base≈701.8m ; Y1≈663.7m ; Y5≈623.7m
[DCF] Fair Price = 171.9 (EV 9.83b - Net Debt -5.62b = Equity 15.4b / Shares 89.9m; r=8.35% [WACC [floored]]; 5y FCF grow -6.93% → 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=1.86 | Chg30d=+2.20% | Revisions=+40% | Analysts=6
EPS current Year (2026-12-31): EPS=7.56 | Chg30d=+4.65% | Revisions=+40% | GrowthEPS=+9.6% | GrowthRev=+5.9%
EPS next Year (2027-12-31): EPS=7.86 | Chg30d=+2.36% | Revisions=+17% | GrowthEPS=+3.9% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +50% (up=6, down=1)