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Essent Group Ltd. ESNT
Financial Services - Insurance - Specialty - NYSE - BM
Watchlist
$ 52.78
-3.14 %
$ 5.45 B
Market Cap
7.71
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ESNT stock under the worst case scenario is HIDDEN Compared to the current market price of 52.8 USD, Essent Group Ltd. is HIDDEN

ESNT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ESNT stock under the base case scenario is HIDDEN Compared to the current market price of 52.8 USD, Essent Group Ltd. is HIDDEN

ESNT Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ESNT stock under the best case scenario is HIDDEN Compared to the current market price of 52.8 USD, Essent Group Ltd. is HIDDEN

ESNT Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ESNT

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1M -4%
6M -18%
1Y 0%
3Y 35%
5Y 124%
All
$66.0$66.0$64.0$64.0$62.0$62.0$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.24 B REVENUE
14.54%
Growth Rates
1Year 14.54%
3Years 8.54%
5Years 7.46%
7Years 11.60%
10Years 17.90%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 0.00%
5Years 0.00%
7Years 0.00%
10Years 0.00%
729 M NET INCOME
4.74%
Growth Rates
1Year 4.74%
3Years 2.28%
5Years 5.59%
7Years 9.77%
10Years 23.48%
862 M OPERATING CASH FLOW
12.91%
Growth Rates
1Year 12.91%
3Years 6.70%
5Years 7.87%
7Years 12.90%
10Years 18.81%
-707 M INVESTING CASH FLOW
-34.51%
Growth Rates
1Year -34.51%
3Years -6.63%
5Years -5.34%
7Years -0.34%
10Years 0.29%
-165 M FINANCING CASH FLOW
6.77%
Growth Rates
1Year 6.77%
3Years -3.81%
5Years -33.86%
7Years -5.85%
10Years -8.99%
315 M REVENUE
-0.49%
Growth Rates
1Year 14.54%
3Years 8.54%
5Years 7.46%
7Years 11.60%
10Years 17.90%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 0.00%
5Years 0.00%
7Years 0.00%
10Years 0.00%
168 M NET INCOME
-4.70%
Growth Rates
1Year 4.74%
3Years 2.28%
5Years 5.59%
7Years 9.77%
10Years 23.48%
227 M OPERATING CASH FLOW
-1.09%
Growth Rates
1Year 12.91%
3Years 6.70%
5Years 7.87%
7Years 12.90%
10Years 18.81%
-108 M INVESTING CASH FLOW
68.61%
Growth Rates
1Year -34.51%
3Years -6.63%
5Years -5.34%
7Years -0.34%
10Years 0.29%
-96.6 M FINANCING CASH FLOW
-365.29%
Growth Rates
1Year 6.77%
3Years -3.81%
5Years -33.86%
7Years -5.85%
10Years -8.99%
Balance Sheet Essent Group Ltd.
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Current Assets 187 M
Cash & Short-Term Investments 131 M
Receivables 55.6 M
Other Current Assets 0
Non-Current Assets 121 M
Long-Term Investments 0
PP&E 41.9 M
Other Non-Current Assets 79.6 M
42.62 %18.01 %13.57 %25.79 %Total Assets$308.5m
Current Liabilities 177 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 177 M
Non-Current Liabilities 1.02 B
Long-Term Debt 0
Other Non-Current Liabilities 1.02 B
14.79 %85.21 %Total Liabilities$1.2b
EFFICIENCY
Earnings Waterfall Essent Group Ltd.
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Revenue 1.24 B
Cost Of Revenue 0
Gross Profit 1.24 B
Operating Expenses 1.27 B
Operating Income 0
Other Expenses -729 M
Net Income 729 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)1b01b(1b)0729m729mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 88.13%
5Years 86.20%
7Years 84.43%
10Years 80.52%
0.00% OPERATING MARGIN
0.00%
Averages
1Year 0.00%
3Years 64.85%
5Years 65.67%
7Years 68.76%
10Years 68.41%
58.69% NET MARGIN
58.69%
Averages
1Year 58.69%
3Years 69.46%
5Years 64.35%
7Years 64.40%
10Years 60.98%
13.02% ROE
13.02%
Averages
1Year 13.02%
3Years 15.10%
5Years 14.42%
7Years 15.78%
10Years 16.06%
10.26% ROA
10.26%
Averages
1Year 10.26%
3Years 11.87%
5Years 11.09%
7Years 12.09%
10Years 12.14%
0.00% ROIC
0.00%
Averages
1Year 0.00%
3Years -3478.51%
5Years -2084.81%
7Years -1485.16%
10Years -1034.62%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Essent Group Ltd.
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900m900m800m800m700m700m600m600m500m500m400m400m300m300m200m200m100m100m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 729 M
Depreciation & Amortization 26 M
Capital Expenditures -6.77 M
Stock-Based Compensation 24.8 M
Change in Working Capital 40.3 M
Others 41.7 M
Free Cash Flow 855 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 15.57%
ESNT Average Price Target Wall Street Target
86 USD 62.94%
ESNT Highest Price Target Wall Street Target
130 USD 146.31%
Price
Max Price Target
Min Price Target
Average Price Target
13013012012011011010010090908080707060605050May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.51% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.201.201.001.000.800.800.600.600.400.400.200.200.000.000.160.160.20.250.280.310.160.170.210.250.280.150.160.180.220.250.280.150.620.160.650.190.780.230.950.251.060.280.870.0020192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Essent Group Ltd.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.21 M USD 3
9-12 MONTHS
252 K 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
7. News
54 Upcoming Dividend Increases, Including A King This week features the largest list of dividend increases ever, with 50 companies, including Coca-Cola extending its 63-year streak with a 5.2% increase. My strategy focuses on companies with consistent dividend growth and outperforming benchmarks, using data from the "U.S. Dividend Champions" spreadsheet and NASDAQ. I recommend the Schwab U.S. Dividend Equity ETF for broad U.S. equity exposure and the Cohen & Steers REIT & Preferred Income Fund for REITs. seekingalpha.com - 1 month ago
5 Stocks to Watch on Their Recent Dividend Hikes Investors may keep a tab on stocks like ESNT, MGA, BCS, RLI and PHIN, which have lately hiked their dividend payments. zacks.com - 1 month ago
Essent Group Ltd. (ESNT) Q4 2024 Earnings Call Transcript Essent Group Ltd. (NYSE:ESNT ) Q4 2024 Earnings Conference Call February 14, 2025 10:00 AM ET Company Participants Phil Stefano - Investor Relations Mark Casale - Chairman and Chief Executive Officer David Weinstock - Chief Financial Officer Conference Call Participants Bose George - KBW Terry Ma - Barclays Rick Shane - JP Morgan Doug Harter - UBS Geoff Dunn - Dowling & Partners Eric Hagen - BTIG Operator Thank you for standing by. seekingalpha.com - 1 month ago
Essent Group (ESNT) Misses Q4 Earnings and Revenue Estimates Essent Group (ESNT) came out with quarterly earnings of $1.58 per share, missing the Zacks Consensus Estimate of $1.67 per share. This compares to earnings of $1.64 per share a year ago. zacks.com - 1 month ago
Essent Group Ltd. Announces Fourth Quarter & Full Year 2024 Results and Increases Quarterly Dividend HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. Announces Fourth Quarter & Full Year 2024 Results and Increases Quarterly Dividend. businesswire.com - 1 month ago
Essent Group Earnings Are Imminent; These Most Accurate Analysts Revise Forecasts Ahead Of Earnings Call Essent Group Ltd. ESNT will release its fourth-quarter financial results before the opening bell on Friday, Feb. 14. benzinga.com - 1 month ago
Essent Group Ltd. Schedules Fourth Quarter Earnings Conference Call for February 14, 2025 HAMILTON, Bermuda--(BUSINESS WIRE)--Essent Group Ltd. Schedules Fourth Quarter Earnings Conference Call for February 14, 2025. businesswire.com - 2 months ago
The New Year May Not Be Kind To Radian Group The New Year May Not Be Kind To Radian Group seekingalpha.com - 3 months ago
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 - 5 months 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 - 5 months 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 - 5 months 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 - 5 months ago
8. Profile Summary

Essent Group Ltd. ESNT

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COUNTRY BM
INDUSTRY Insurance - Specialty
MARKET CAP $ 5.45 B
Dividend Yield 0.51%
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 625
Officers Mr. Wei Ding Senior Vice President of Corporate Development Mr. Paul C. Wollmann ARe, ARm, C.P.C.U., M.B.A. President & Chief Underwriting Officer of Essent Reinsurance Ltd Mr. William Daniel Kaiser Senior Vice President & Chief Operating Officer Theodore Gray Senior Vice President & Chief Information Officer Mr. David Bruce Weinstock Chief Financial Officer & Senior Vice President Mr. William P. Higgins President of Essent Title Insurance Mr. Philip Michael Stefano Vice President of Investor Relations Mr. Christopher G. Curran President of Essent Guaranty, Inc.