A Business at a Glance
0 of 5 daily views used (5 remaining). Sign up free for 10 daily views, or try AAPL for a full preview.
OUR COMPANY We serve the housing finance industry by providing private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers and investors to support homeownership. We conduct our operations through two primary business segments: Mortgage Insurance and Reinsurance. Our Mortgage Insurance segment offers private mortgage insurance for mortgages secured by residential properties located in the United States. We provide private mortgage insurance on residential first-lien mortgage loans in the U.S. (“mortgage insurance”) through Essent Guaranty, a Pennsylvania-domiciled monoline mortgage guaranty insurance company licensed in all 50 states and the District of Columbia and approved by Fannie Mae and Freddie Mac, and also offer other credit risk management solutions, including contract underwriting, to our customers.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.3B | 1.2B | 1.1B | 1.0B | 1.0B |
| Net Income | 690M | 690M | 729M | 696M | 831M | 682M |
| EPS | $6.90 | $6.90 | $6.85 | $6.50 | $7.72 | $6.11 |
| Free Cash Flow | 849M | 849M | 855M | 759M | 585M | 707M |
| ROIC | 11.3% | 11.6% | 13.0% | 14.6% | 19.1% | 16.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.09 | 0.09 | 0.09 | 0.08 | 0.09 | 0.10 |
| Dividends/Share | $1.22 | $1.24 | $1.12 | $1.00 | $0.86 | $0.70 |
| Operating Income | 822M | 822M | 855M | 823M | 988M | 822M |
| Operating Margin | 65.2% | 65.2% | 68.8% | 74.2% | 98.7% | 80.0% |
| ROE | 12.0% | 12.1% | 13.6% | 14.6% | 19.1% | 16.8% |
| Shares Outstanding | 100M | 100M | 106M | 107M | 108M | 112M |
Essent Group Ltd. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Essent Group Ltd. trades at 8.8x trailing earnings, compared to its 15-year median P/E of 8.1x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 6.8x vs a median of 7.0x. The company's 5-year average ROIC is 15.0%. Total shareholder yield (dividends + buybacks) is 11.7%. At current prices, the estimated annualized return to fair value is +4.8%.
Essent Group Ltd. (ESNT) has a current P/E ratio of 8.8, compared to its historical median P/E of 8.1. The stock is currently considered Fair based on its historical valuation range.
Essent Group Ltd. (ESNT) has a 5-year average return on invested capital (ROIC) of 15.0%. This indicates strong capital allocation and a potential competitive advantage.
Essent Group Ltd. (ESNT) has a market capitalization of $6.1B. It is classified as a mid-cap stock.
Yes, Essent Group Ltd. (ESNT) pays a dividend with a trailing twelve-month yield of 2.00%. The company also returns capital through share buybacks, with a buyback yield of 9.65%.
Based on historical P/E analysis, Essent Group Ltd. (ESNT) appears fair. The current P/E of 8.8 is 8% above its historical median of 8.1. The estimated fair value CAGR (P/E method) is 7.0%.
Essent Group Ltd. (ESNT) operates in the Surety Insurance industry, within the Financials sector.
Essent Group Ltd. (ESNT) reported annual revenue of $1.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
Essent Group Ltd. (ESNT) has a net profit margin of 54.7%. This is a strong margin indicating high profitability.
Essent Group Ltd. (ESNT) generated $849 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Essent Group Ltd. (ESNT) has a debt-to-equity ratio of 0.09. This indicates a conservatively financed balance sheet.
Essent Group Ltd. (ESNT) reported earnings per share (EPS) of $6.90 in its most recent fiscal year.
Essent Group Ltd. (ESNT) has a return on equity (ROE) of 12.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 14 years of financial data for Essent Group Ltd. (ESNT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Essent Group Ltd. (ESNT) has a book value per share of $57.57, based on its most recent annual SEC filing.