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Essent Group Ltd. logo

Essent Group Ltd.

ESNT

NYSEFinancial ServicesInsurance - Specialty

Open in GoAI

Previous close

$68.07

−$0.46 · -0.67%

Aug 21, 4:00 PM ET

ESNT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

86

Deep Value

Momentum

44

Neutral

Sentiment

73

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. The company’s mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.

Industry
Insurance - Specialty
Sector
Financial Services
Headquarters
BM
CEO
Mark A. Casale
Listed since
Oct 31, 2013
Employees
518

Market position

Day range

Current $68.07

52-week range

Current $68.07

Open
$68.93
Previous close
$68.53
Volume
289.28K
0.39× average
Average volume
733.1K
Average daily volume
Market cap
6.27B USD
Beta
0.76
Market reference 1
50-day average
$64.9468
+4.81% above average
200-day average
$62.3141
+9.24% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
6.81B USD
EV / EBITDA
7.92×
Earnings yield
10.72%
Free cash flow yield
13.19%

Profitability & efficiency

Return on equity
11.99%
Return on assets
9.27%
Return on invested capital
11.04%

Financial health

Current ratio
5.75×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends123%98%73%48%Gross margin, FY2021: 96.98%Gross margin, FY2022: 117.16%Gross margin, FY2023: 97.21%Gross margin, FY2024: 93.59%Gross margin, FY2025: 88.16%Operating margin, FY2021: 79.95%Operating margin, FY2022: 97.04%Operating margin, FY2023: 72.76%Operating margin, FY2024: 67.51%Operating margin, FY2025: 65.18%Net margin, FY2021: 66.29%Net margin, FY2022: 81.64%Net margin, FY2023: 61.57%Net margin, FY2024: 57.56%Net margin, FY2025: 54.72%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.98%. Gross margin FY2022 117.16%. Gross margin FY2023 97.21%. Gross margin FY2024 93.59%. Gross margin FY2025 88.16%. Operating margin FY2021 79.95%. Operating margin FY2022 97.04%. Operating margin FY2023 72.76%. Operating margin FY2024 67.51%. Operating margin FY2025 65.18%. Net margin FY2021 66.29%. Net margin FY2022 81.64%. Net margin FY2023 61.57%. Net margin FY2024 57.56%. Net margin FY2025 54.72%.

Income trends

Revenue

1.26B USD-0.49%

Operating income

821.86M USD-3.93%

Net income

689.97M USD-5.41%
Income trends across reported periods1.33B USD1.09B USD857.39M USD623.25M USDRevenue, FY2021: 1.03B USDRevenue, FY2022: 1.02B USDRevenue, FY2023: 1.13B USDRevenue, FY2024: 1.27B USDRevenue, FY2025: 1.26B USDOperating income, FY2021: 822.31M USDOperating income, FY2022: 988.19M USDOperating income, FY2023: 823M USDOperating income, FY2024: 855.49M USDOperating income, FY2025: 821.86M USDNet income, FY2021: 681.78M USDNet income, FY2022: 831.35M USDNet income, FY2023: 696.39M USDNet income, FY2024: 729.4M USDNet income, FY2025: 689.97M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.03B USD. Revenue FY2022 1.02B USD. Revenue FY2023 1.13B USD. Revenue FY2024 1.27B USD. Revenue FY2025 1.26B USD. Operating income FY2021 822.31M USD. Operating income FY2022 988.19M USD. Operating income FY2023 823M USD. Operating income FY2024 855.49M USD. Operating income FY2025 821.86M USD. Net income FY2021 681.78M USD. Net income FY2022 831.35M USD. Net income FY2023 696.39M USD. Net income FY2024 729.4M USD. Net income FY2025 689.97M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.26B USD1.27B USD1.13B USD1.02B USD1.03B USD
Cost of goods sold149.34M USD81.22M USD31.54M USD−174.7M USD31.06M USD
Gross profit1.11B USD1.19B USD1.1B USD1.19B USD997.45M USD
Selling, general, and administrative—136.39M USD114.9M USD100.3M USD101.34M USD
Operating expenses289.74M USD330.44M USD276.54M USD204.86M USD175.14M USD
Interest expense32.7M USD35.32M USD30.14M USD15.61M USD8.28M USD
Depreciation and amortization5.23M USD5.78M USD4.53M USD3.02M USD3.38M USD
Operating income821.86M USD855.49M USD823M USD988.19M USD822.31M USD
Net income689.97M USD729.4M USD696.39M USD831.35M USD681.78M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 4 misses, 0 met estimates
Average EPS surprise
+3.59%
11 comparable reports
Latest EPS result
2.08
Estimate 1.76 · Beat by 18.18%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.161.941.721.5Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 1.58, estimate 1.67, surprise -5.39%, Miss. Q2 2025, reported May 9, 2025: actual 1.69, estimate 1.65, surprise +2.42%, Beat. Q3 2025, reported Aug 8, 2025: actual 1.93, estimate 1.68, surprise +14.88%, Beat. Q4 2025, reported Nov 7, 2025: actual 1.67, estimate 1.77, surprise -5.65%, Miss. Q1 2026, reported Feb 13, 2026: actual 1.6, estimate 1.74, surprise -8.05%, Miss. Q2 2026, reported May 8, 2026: actual 1.82, estimate 1.75, surprise +4.00%, Beat. Q3 2026, reported Aug 7, 2026: actual 2.08, estimate 1.76, surprise +18.18%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 1.86, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates389.16M268.44M147.72M26.99MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 14, 2025: actual 344.36M USD, estimate 311.18M USD, surprise +10.66%, Beat. Q2 2025, reported May 9, 2025: actual 31.76M USD, estimate 310.44M USD, surprise -89.77%, Miss. Q3 2025, reported Aug 8, 2025: actual 319.14M USD, estimate 323.06M USD, surprise -1.21%, Miss. Q4 2025, reported Nov 7, 2025: actual 318.73M USD, estimate 315.61M USD, surprise +0.99%, Beat. Q1 2026, reported Feb 13, 2026: actual 312.4M USD, estimate 312.62M USD, surprise -0.07%, Miss. Q2 2026, reported May 8, 2026: actual 336.07M USD, estimate 297.56M USD, surprise +12.94%, Beat. Q3 2026, reported Aug 7, 2026: actual 362.69M USD, estimate 321.62M USD, surprise +12.77%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 335.26M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$70.00

2.84% upside
Past 12 months12-month forecastHigh $80.00Average $70.00Low $62.00

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.24

2025 complete year+77.1% since 2021

2026 partial: $0.70

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 31, 2026

$0.35

Quarterly

Record Aug 31, 2026 · Payment Sep 10, 2026

Dividend

Ex-dividend Jun 1, 2026

$0.35

Quarterly

Record Jun 1, 2026 · Payment Jun 10, 2026

Dividend

Ex-dividend Mar 13, 2026

$0.35

Quarterly

Record Mar 13, 2026 · Payment Mar 23, 2026

Dividend

Ex-dividend Dec 1, 2025

$0.31

Quarterly

Record Dec 1, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Aug 29, 2025

$0.31

Quarterly

Record Aug 29, 2025 · Payment Sep 10, 2025

Dividend

Ex-dividend May 30, 2025

$0.31

Quarterly

Record May 30, 2025 · Payment Jun 10, 2025

ESNT peers

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BRK-A

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$743,500

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JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

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Visa Inc. logo

V

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Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding ESNT

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Mid-Cap ETF logoiShares Core S&P Mid-Cap ETFIJH
Market value
221.31M
Weight
0.17%
AUM
125.92B USD
Expense ratio
0.05%
Price / 1D
$76.77+0.52%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
183.81M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
170.35M
Weight
0.55%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
160.17M
Weight
0.20%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
132.7M
Weight
0.07%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
84.31M
Weight
0.12%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
69.95M
Weight
0.07%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
59.04M
Weight
0.40%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%

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