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Financial Services - Insurance - Specialty - NYSE - BM
$ 55.5
-0.287 %
$ 5.89 B
Market Cap
8.04
P/E
1. INTRINSIC VALUE

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the 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 based in Hamilton, Bermuda.[ Read More ]

The intrinsic value of one ESNT stock under the base case scenario is HIDDEN Compared to the current market price of 55.5 USD, Essent Group Ltd. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ESNT

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FINANCIALS
1.09 B REVENUE
11.62%
970 M OPERATING INCOME
-5.08%
696 M NET INCOME
-16.23%
763 M OPERATING CASH FLOW
29.58%
-526 M INVESTING CASH FLOW
-31.76%
-177 M FINANCING CASH FLOW
7.00%
317 M REVENUE
2.76%
0 OPERATING INCOME
0.00%
176 M NET INCOME
-13.47%
229 M OPERATING CASH FLOW
21.47%
-344 M INVESTING CASH FLOW
-230.61%
26.5 M FINANCING CASH FLOW
151.29%
Balance Sheet Decomposition Essent Group Ltd.
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Current Assets 205 M
Cash & Short-Term Investments 142 M
Receivables 63.3 M
Other Current Assets 0
Non-Current Assets 4.03 B
Long-Term Investments 277 M
PP&E 41.3 M
Other Non-Current Assets 3.71 B
Current Liabilities 500 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 500 M
Non-Current Liabilities 853 M
Long-Term Debt 422 M
Other Non-Current Liabilities 432 M
EFFICIENCY
Earnings Waterfall Essent Group Ltd.
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Revenue 1.09 B
Cost Of Revenue 195 M
Gross Profit 890 M
Operating Expenses 115 M
Operating Income 970 M
Other Expenses 274 M
Net Income 696 M
RATIOS
82.05% GROSS MARGIN
82.05%
89.41% OPERATING MARGIN
89.41%
64.18% NET MARGIN
64.18%
13.65% ROE
13.65%
10.84% ROA
10.84%
14.86% ROIC
14.86%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Essent Group Ltd.
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Net Income 696 M
Depreciation & Amortization 4.52 M
Capital Expenditures -4 M
Stock-Based Compensation 18.4 M
Change in Working Capital 16.2 M
Others 59 M
Free Cash Flow 759 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Essent Group Ltd.
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Wall Street analysts predict an average 1-year price target for ESNT of $86 , with forecasts ranging from a low of $61 to a high of $130 .
ESNT Lowest Price Target Wall Street Target
61 USD 9.91%
ESNT Average Price Target Wall Street Target
86 USD 54.95%
ESNT Highest Price Target Wall Street Target
130 USD 134.23%
4. DIVIDEND ANALYSIS
0.44% DIVIDEND YIELD
0.28 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Essent Group Ltd.
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Sold
0-3 MONTHS
127 K USD 1
3-6 MONTHS
1.19 M USD 3
6-9 MONTHS
140 K USD 1
9-12 MONTHS
1.42 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 month ago
Sep 18, 2024
Sell 127 K USD
WEINSTOCK DAVID B
SVP and CFO
- 2000
63.59 USD
3 months ago
Aug 06, 2024
Sell 294 K USD
KASMAR ROY JAMES
Director
- 5000
58.81 USD
4 months ago
Jul 15, 2024
Sell 673 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 11188
60.14 USD
4 months ago
Jul 16, 2024
Sell 115 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 1883
61.2 USD
4 months ago
Jun 18, 2024
Sell 111 K USD
WEINSTOCK DAVID B
SVP and CFO
- 2000
55.61 USD
6 months ago
May 09, 2024
Sell 140 K USD
PAULS DOUGLAS J
Director
- 2500
56.12 USD
9 months ago
Jan 19, 2024
Sell 275 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 5000
55 USD
9 months ago
Jan 19, 2024
Sell 712 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 12925
55.05 USD
11 months ago
Dec 14, 2023
Sell 436 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 8355
52.15 USD
1 year ago
Sep 27, 2023
Sell 96.4 K USD
WEINSTOCK DAVID B
SVP and CFO
- 2000
48.2 USD
1 year ago
Aug 23, 2023
Sell 747 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 15000
49.8 USD
1 year ago
Aug 16, 2023
Sell 104 K USD
WEINSTOCK DAVID B
SVP and CFO
- 2000
51.88 USD
1 year ago
Aug 02, 2023
Sell 135 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 2661
50.57 USD
1 year ago
Jul 28, 2023
Sell 67.7 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 1352
50.04 USD
1 year ago
Jul 25, 2023
Sell 184 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 3681
50.02 USD
1 year ago
Jul 26, 2023
Sell 196 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 3911
50.03 USD
1 year ago
Jul 27, 2023
Sell 125 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 2502
50.09 USD
1 year ago
Feb 15, 2023
Sell 109 K USD
PAULS DOUGLAS J
Director
- 2500
43.49 USD
1 year ago
Feb 02, 2023
Sell 48.2 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 1072
45 USD
2 years ago
Nov 11, 2022
Sell 235 K USD
Dutt Aditya
Director
- 6000
39.23 USD
2 years ago
Aug 09, 2022
Sell 252 K USD
Dutt Aditya
director:
- 6000
41.95 USD
2 years ago
May 26, 2022
Sell 100 K USD
PAULS DOUGLAS J
director:
- 2400
41.75 USD
2 years ago
Mar 09, 2022
Bought 40.7 K USD
GLANVILLE ROBERT
director:
+ 1000
40.71 USD
2 years ago
Jan 13, 2022
Sell 329 K USD
CASALE MARK
Chairman, CEO and President
- 6572
50.02 USD
2 years ago
Jan 12, 2022
Sell 30.8 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 616
50 USD
2 years ago
Jan 13, 2022
Sell 469 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 9384
50.02 USD
2 years ago
Jan 12, 2022
Sell 5 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 100
50 USD
2 years ago
Jan 13, 2022
Sell 270 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 5400
50.02 USD
2 years ago
Nov 29, 2021
Bought 42.6 K USD
GLANVILLE ROBERT
Director
+ 1000
42.57 USD
3 years ago
Nov 17, 2021
Sell 146 K USD
SPIEGEL WILLIAM
Director
- 3214
45.57 USD
3 years ago
Aug 13, 2021
Sell 265 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 5595
47.38 USD
3 years ago
Aug 06, 2021
Sell 95 K USD
WEINSTOCK DAVID B
VP & Chief Accounting Officer
- 2000
47.5 USD
3 years ago
May 28, 2021
Sell 386 K USD
SPIEGEL WILLIAM
Director
- 8055
47.87 USD
3 years ago
May 26, 2021
Sell 152 K USD
KASMAR ROY JAMES
Director
- 3214
47.31 USD
3 years ago
May 27, 2021
Sell 151 K USD
KASMAR ROY JAMES
Director
- 3100
48.63 USD
3 years ago
May 11, 2021
Sell 142 K USD
PAULS DOUGLAS J
Director
- 3003
47.12 USD
3 years ago
Apr 26, 2021
Sell 269 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 5079
53.02 USD
3 years ago
Apr 21, 2021
Sell 189 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 3772
50 USD
3 years ago
Apr 19, 2021
Sell 458 K USD
Bhasin Vijay
SVP and Chief Risk Officer
- 9153
50 USD
3 years ago
Apr 19, 2021
Sell 125 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 2494
50 USD
3 years ago
Apr 21, 2021
Sell 125 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 2506
50 USD
3 years ago
Apr 20, 2021
Sell 99.7 K USD
WEINSTOCK DAVID B
VP & Chief Accounting Officer
- 2000
49.83 USD
3 years ago
Jan 07, 2021
Sell 230 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 5000
46.09 USD
3 years ago
Jan 08, 2021
Sell 67.2 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 1400
48 USD
3 years ago
Jan 11, 2021
Sell 185 K USD
Gibbons Mary Lourdes
SVP and Chief Legal Officer
- 3850
48.09 USD
3 years ago
Jan 06, 2021
Sell 656 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 14523
45.17 USD
3 years ago
Dec 24, 2020
Sell 238 K USD
MCALEE LAWRENCE E JR
SVP & Chief Financial Officer
- 5447
43.72 USD
7. News
Essent Group Ltd. (ESNT) Q3 2024 Earnings Call Transcript Essent Group Ltd. (NYSE:ESNT ) Q3 2024 Earnings Call Transcript November 1, 2024 10:00 AM ET Company Participants Phil Stefano - IR Mark Casale - Chairman and CEO David Weinstock - CFO Chris Curran - President, Essent Guaranty Conference Call Participants Terry Ma - Barclays Doug Harter - UBS Bose George - KBW Mihir Bhatia - Bank of America Melissa Wedel - JPMorgan Operator Ladies and gentlemen, thank you for standing by. seekingalpha.com - 2 weeks ago
Essent Group (ESNT) Lags Q3 Earnings Estimates Essent Group (ESNT) came out with quarterly earnings of $1.65 per share, missing the Zacks Consensus Estimate of $1.70 per share. This compares to earnings of $1.66 per share a year ago. zacks.com - 2 weeks ago
Essent Group Ltd. Announces Third Quarter 2024 Results and Declares Quarterly Dividend HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. (NYSE: ESNT) today reported net income for the quarter ended September 30, 2024 of $176.2 million or $1.65 per diluted share, compared to $178.0 million or $1.66 per diluted share for the quarter ended September 30, 2023. Essent also announced today that its Board of Directors has declared a quarterly cash dividend of $0.28 per common share. The dividend is payable on December 11, 2024, to shareholders of record on December 2, 2024. “We are. businesswire.com - 2 weeks ago
Essent Group (ESNT) Reports Next Week: Wall Street Expects Earnings Growth Essent Group (ESNT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 weeks ago
Is Essent Group (ESNT) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 4 weeks ago
Essent Group Ltd. Schedules Third Quarter Earnings Conference Call for November 1, 2024 HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. Schedules Third Quarter Earnings Conference Call for November 1, 2024. businesswire.com - 1 month ago
What Makes Essent Group (ESNT) a New Buy Stock Essent Group (ESNT) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy). zacks.com - 1 month ago
Should Value Investors Buy Essent Group (ESNT) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Essent Group Ltd. Announces Closing of $363.4 Million Reinsurance Transaction and Related Mortgage Insurance-Linked Notes HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. Announces Closing of $363.4 Million Reinsurance Transaction and Related Mortgage Insurance-Linked Notes. businesswire.com - 1 month ago
Insuring Growth: Essent Group's Q2 Earnings Paint A Bright Picture Essent Group Ltd. is a Bermuda-based holding company specializing in private mortgage insurance, reinsurance, and related services, enhancing mortgage accessibility in the U.S. housing market. Since March 2018, Essent has transferred $1 billion of risk to investors via nine Radnor Re ILNs and $288 million through five XOL deals. Essent's PMI protects lenders from borrower defaults, enabling more people to obtain mortgages, especially those with smaller down payments, thus stabilizing the mortgage market. seekingalpha.com - 2 months ago
Essent Group Ltd. Comments on Updates to Private Mortgage Insurer Eligibility Requirements HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. Comments on Updates to Private Mortgage Insurer Eligibility Requirements. businesswire.com - 2 months ago
13 stocks to consider if you're able to brave recession fears Now that stock investors are beginning to realize that a recession isn't on the way, the U.S. market will get back to doing what is up to before the August swoon: showing strength beyond the Magnificent Seven. marketwatch.com - 3 months ago
8. Profile Summary

Essent Group Ltd. ESNT

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COUNTRY BM
INDUSTRY Insurance - Specialty
MARKET CAP $ 5.89 B
Dividend Yield 0.44%
Description Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the 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 based in Hamilton, Bermuda.
Contact Clarendon House, Hamilton, HM 11 https://www.essentgroup.com
IPO Date Oct. 31, 2013
Employees 602
Officers Mr. Christopher G. Curran President of Essent Guaranty, Inc. Wei Ding Senior Vice President of Corporate Development Mr. William Daniel Kaiser Senior Vice President & Chief Operating Officer Mr. Mark Anthony Casale Chairman, Chief Executive Officer & President Mr. Paul C. Wollmann ARe, ARm, C.P.C.U., M.B.A. President & Chief Underwriting Officer of Essent Reinsurance Ltd Theodore Gray Senior Vice President & Chief Information Officer Mr. Philip Michael Stefano Vice President of Investor Relations Mr. David Bruce Weinstock Chief Financial Officer & Senior Vice President William P. Higgins Senior Vice President of Essent Ventures