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Company Analysis

Essent Group Ltd. ESNT

A comprehensive view of key metrics, scores, and financial health for Essent Group Ltd.

Overview of Essent Group Ltd.

ESNT NYQ
Financial Services Insurance - Specialty Mid Cap
Essent Group Ltd. (ESNT), is a Mid Cap company, in the Insurance - Specialty industry, last closed at $58.09, about 5.8% undervalued vs fair value, +6.0% 1Y return, placing in the top 25% of its sector.
$58.09
0.69%
As of March 13, 2026
Previous close • Vol 90d: 23.9%
52-Week Range
Market Cap
$5.62B
Enterprise Value
$6.05B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://ir.essentgroup.com
HQ Hamilton
Employees 514
Fiscal year Dec 31

Next Events

Dividend Mar 23
Earnings May 8 Estimated

Fair Value Snapshot

Bear Base Bull
$34
$61
$115
Current: $58.09 +6% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$32.7M
Net Interest Income
$-32.7M
7.4%%
Total Revenue
$1.3B
-0.5%%
Fee/Non-Interest Income
$1.3B
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$709.7M
97.3% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Essent Group Ltd.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
40
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing ESNT's balance between Growth (22.6%), Profitability (43.9%), and Safety (33.5%). Growth 23% Safety 33% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
Revenue CAGR 3Y 7.4% 61p TSR 21.7% 62p Rev Growth YoY -0.5% 16p EPS CAGR 3Y -3.7% 28p EPS Growth YoY 0.8% 17p
Strengths
  • Fcf Margin in top 20% of peers (67.3%, 83th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (5.12, 82th percentile)
  • Consistently strong margins across 6 metrics
  • Strong liquidity position vs peers
Risks
  • Rev Growth Yoy in bottom 20% of peers (-0.5%)
  • Eps Growth Yoy in bottom 20% of peers (0.8%)

Profitability

66th percentile vs peers
67
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
51
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Essent Group Ltd..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$61.46
- - -
+5.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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