Essent (ESNT)
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Essent Group Ltd. is a Bermuda-based provider of mortgage credit protection and related services for the US housing finance market. The company’s core business is private mortgage insurance, which helps lenders and mortgage investors manage the risk associated with loans where borrowers make smaller down payments. By insuring a portion of potential losses if a borrower defaults, Essent supports the availability of mortgage credit for qualified homebuyers.
Private mortgage insurance is an important part of the conventional mortgage system because it allows many borrowers to access home financing without a 20% down payment. Essent receives premiums for assuming mortgage credit risk and uses underwriting, capital management, and risk analytics to assess the loans it insures. Its customers include mortgage originators, servicers, and investors that need credit enhancement on eligible residential mortgage loans.
The company also participates in reinsurance and risk management activities, which help it manage exposure across housing cycles and regulatory capital requirements. In addition, Essent offers title insurance and settlement services, giving it a broader role in the mortgage transaction process beyond primary mortgage insurance.
Essent’s performance is closely linked to housing market conditions, mortgage origination volumes, borrower credit quality, interest rates, and employment trends. What distinguishes the company is its focus on managing mortgage default risk while providing capital that helps lenders extend financing to more homebuyers. Its business model sits at the intersection of insurance, residential real estate, and the broader US mortgage finance system.
Last updated
- Market Cap
- 5.27B
- P/E
- 7.68
- P/FCF
- 6.44
- P/S
- 6.16
- Enterprise Value
- 5.64B
- Sector
- Financials
- Industry
- Surety Insurance
- Address
- CLARENDON HOUSE, HAMILTON, D0, HM 11
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 5.27B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 5.64B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 7.68
- P/B
P/B ratio compares a company's share price to its book value per share.
- 0.92
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 6.16
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 12.52
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 6.58
- EPS
- 7.45
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 2.33%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 6.44
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 6.37
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 818.57M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 12.05%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 9.07%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.09
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 6.88
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 6.88
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.14
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 734.15K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 57.17
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 260.09M | 35.19M | 311.83M | 248.81M | 245.85M |
| Gross profit | 260.09M | 35.19M | 311.83M | 248.81M | 245.85M |
| Operating income | 138.89M | -84.54M | 207.41M | 168.99M | 143.44M |
| EBITDA | 143.93M | -79.42M | 212.18M | 173.34M | 148.81M |
| Net income | 171.8M | 154.98M | 164.22M | 195.34M | 175.43M |
| Basic EPS | 1.83 | 1.62 | 1.69 | 1.95 | 1.71 |
| Diluted EPS | 1.82 | 1.61 | 1.67 | 1.93 | 1.69 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 7.57B | 7.44B | 7.35B | 7.22B | 7.2B |
| Total liabilities | 1.87B | 1.68B | 1.61B | 1.55B | 1.55B |
| Total equity | 5.7B | 5.76B | 5.74B | 5.67B | 5.66B |
| Cash & equivalents | 128.26M | 123.05M | 91.41M | 92.12M | 208.07M |
| Current assets | 6.37B | 6.33B | 188.09M | 6.16B | 6.19B |
| Current liabilities | 925.08M | 723.62M | 679.87M | 625.88M | 636.34M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | 192.04M | 229.09M | 215.86M | 189.54M | 221.57M |
| Investing cash flow | 16.58M | -41.79M | -64.37M | -104.11M | 55.53M |
| Financing cash flow | -203.41M | -155.66M | -152.19M | -201.38M | -200.51M |
| Change in cash | 5.21M | 31.64M | -705K | -115.95M | 76.59M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 8-K — Essent Group Ltd. | View Filing | |
| edgar index | 10-Q — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — SPIEGEL WILLIAM | View Filing | |
| form 4 | Form 4 — SPIEGEL WILLIAM | View Filing | |
| form 4 | Form 4 — SPIEGEL WILLIAM | View Filing | |
| form 4 | Form 4 — SPIEGEL WILLIAM | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — Benson David C | View Filing | |
| form 4 | Form 4 — Benson David C | View Filing | |
| form 4 | Form 4 — Benson David C | View Filing | |
| form 4 | Form 4 — Benson David C | View Filing | |
| form 4 | Form 4 — Karna Anu | View Filing | |
| form 4 | Form 4 — Karna Anu | View Filing | |
| form 4 | Form 4 — Karna Anu | View Filing | |
| form 4 | Form 4 — Karna Anu | View Filing | |
| form 4 | Form 4 — Connor Martin P. | View Filing | |
| form 4 | Form 4 — Dutt Aditya | View Filing | |
| form 4 | Form 4 — Dutt Aditya | View Filing | |
| form 4 | Form 4 — Dutt Aditya | View Filing | |
| form 4 | Form 4 — Dutt Aditya | View Filing | |
| form 4 | Form 4 — Heise Angela L | View Filing | |
| form 4 | Form 4 — Heise Angela L | View Filing | |
| form 4 | Form 4 — Heise Angela L | View Filing | |
| form 4 | Form 4 — Heise Angela L | View Filing | |
| form 4 | Form 4 — Galda April Joyce | View Filing | |
| form 4 | Form 4 — Galda April Joyce | View Filing | |
| form 4 | Form 4 — Galda April Joyce | View Filing | |
| form 4 | Form 4 — Galda April Joyce | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — KASMAR ROY JAMES | View Filing | |
| form 4 | Form 4 — SPIEGEL WILLIAM | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — PAULS DOUGLAS J | View Filing | |
| form 4 | Form 4 — Benson David C | View Filing | |
| form 4 | Form 4 — Karna Anu | View Filing | |
| form 4 | Form 4 — Dutt Aditya | View Filing | |
| form 4 | Form 4 — Heise Angela L | View Filing | |
| form 4 | Form 4 — Galda April Joyce | View Filing | |
| edgar index | 144 — Essent Group Ltd. | View Filing | |
| edgar index | SCHEDULE 13G — Essent Group Ltd. | View Filing | |
| edgar index | SCHEDULE 13G — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| form 4 | Form 4 — Gibbons Mary Lourdes | View Filing | |
| edgar index | 144 — Essent Group Ltd. | View Filing | |
| form 4 | Form 4 — Gibbons Mary Lourdes | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| form 4 | Form 4 — WEINSTOCK DAVID B | View Filing | |
| form 4 | Form 4 — WEINSTOCK DAVID B | View Filing | |
| form 4 | Form 4 — WEINSTOCK DAVID B | View Filing | |
| form 4 | Form 4 — WEINSTOCK DAVID B | View Filing | |
| form 4 | Form 4 — WEINSTOCK DAVID B | View Filing | |
| edgar index | SCHEDULE 13G/A — Essent Group Ltd. | View Filing | |
| edgar index | DEF 14A — Essent Group Ltd. | View Filing | |
| edgar index | ARS — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing | |
| edgar index | 4 — Essent Group Ltd. | View Filing |