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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 Framework: Insurance & Reinsurance Mid Cap
Essent Group Ltd. (ESNT), is a Mid Cap company, in the Insurance - Specialty industry, last closed at $68.24, about 6.0% overvalued vs fair value, +12.3% 1Y return, ranked 434/1078 in sector.
Metrics P/E 9.4× Rev Growth 1.7% ROE 12.2% Gross Margin 86.3% Div Yield 1.94%
USD 68.24
1.82%
(Delayed)
• Vol 90d: 26.7%
52-Week Range
Market Cap
$6.13B
Enterprise Value
$6.55B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Nov 6 Call: Nov 6

Fair Value Snapshot

Bear Base Bull
$36
$64
$120
Current: $68.24 -6% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.3B
1.7%%
Claims & Losses
-$149.3M
83.9%%
Acquisition & Admin Expenses
$129.9M
Underwriting Result
$821.9M
-3.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
11.6%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$709.7M
102.9% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
51
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.71), demonstrating resilience through insurance market cycles.
  • Superior Returns on Float Float investment returns are strong (signal score 0.77), with ROA at 9.48% vs peers — investment income amplifies underwriting profit.

Key risks

  • Volatile Underwriting Results Underwriting stability is low (score 0.35), indicating significant exposure to loss cycle or catastrophe volatility.
  • Erratic Investment Income Investment consistency is low (score 0.29), indicating elevated portfolio risk.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
45
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing ESNT's balance between Growth (15.4%), Profitability (39.7%), and Safety (44.8%). Growth 15% Safety 45% Profitability 40%

Click axes to expand details. Marker shows current allocation.

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Growth

30th percentile vs peers
31
Key Signals
Revenue CAGR 3Y 8.2% 43p Rev Growth YoY 1.7% 24p EPS Growth YoY 0.8% 35p Equity Growth YoY 2.7% 21p Asset Growth YoY 4.6% 37p
Strengths
  • Net Profit Margin in top 20% of peers (53.6%, 96th percentile)
  • Operating Margin in top 20% of peers (63.8%, 92th percentile)
  • ROA in top 20% of peers (9.5%, 91th percentile)
  • Equity/Assets in top 20% of peers (77.4%, 94th percentile)
Risks
  • Growth below peer median (percentile: 30)

Profitability

79th percentile vs peers
79
Key Signals
Strengths
Risks
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Safety

89th percentile vs peers
90
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$64.15
- - -
-6.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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