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Upturn AI SWOT - About
Essent Group Ltd (ESNT)
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Upturn Advisory Summary
09/15/2025: ESNT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $66.25
1 Year Target Price $66.25
| 2 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 18.6% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.29B USD | Price to earnings Ratio 9.3 | 1Y Target Price 66.25 |
Price to earnings Ratio 9.3 | 1Y Target Price 66.25 | ||
Volume (30-day avg) 8 | Beta 0.85 | 52 Weeks Range 51.08 - 64.42 | Updated Date 09/15/2025 |
52 Weeks Range 51.08 - 64.42 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 1.84% | Basic EPS (TTM) 6.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 56.36% | Operating Margin (TTM) 74.99% |
Management Effectiveness
Return on Assets (TTM) 7.88% | Return on Equity (TTM) 12.94% |
Valuation
Trailing PE 9.3 | Forward PE 8.62 | Enterprise Value 6689953034 | Price to Sales(TTM) 4.96 |
Enterprise Value 6689953034 | Price to Sales(TTM) 4.96 | ||
Enterprise Value to Revenue 5.17 | Enterprise Value to EBITDA - | Shares Outstanding 98533800 | Shares Floating 95019058 |
Shares Outstanding 98533800 | Shares Floating 95019058 | ||
Percent Insiders 5.22 | Percent Institutions 99.35 |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008 and went public in 2013. It emerged following the 2008 financial crisis to address the changing mortgage insurance landscape. They have focused on providing private mortgage insurance (PMI) to lenders.
Core Business Areas
- U.S. Mortgage Insurance: Provides private mortgage insurance for single-family mortgage loans in the United States, protecting lenders against losses from borrower defaults.
- Essent Reinsurance Ltd.: A Bermuda-based reinsurer that provides reinsurance coverage for mortgage insurance risks.
Leadership and Structure
Mark Casale serves as Chief Executive Officer. The company has a typical corporate structure with various departments and executives overseeing key functions like risk management, finance, and operations.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Essent's main product, providing coverage to lenders when borrowers default. Essent has a significant market share in the US PMI market. Competitors include MGIC, Radian, and National MI.
- Reinsurance: Through Essent Re, they reinsure mortgage portfolios. Market share data is not publicly disclosed for reinsurance activities. Competitors include Arch Capital Group and other reinsurance providers.
Market Dynamics
Industry Overview
The mortgage insurance industry is influenced by factors such as interest rates, housing prices, and unemployment rates. Increased homeownership and loan activity lead to higher demand for mortgage insurance.
Positioning
Essent is a leading player in the PMI market, known for its risk management practices and strong capital position. They compete on price, service, and risk appetite.
Total Addressable Market (TAM)
The TAM for mortgage insurance is dependent on the total value of mortgages originated annually. Essent is positioned to capture a portion of this TAM based on their market share and risk appetite.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Experienced management team
- Solid risk management practices
- Established relationships with lenders
- Efficient operations
Weaknesses
- Highly sensitive to economic cycles
- Reliance on U.S. housing market
- Competition from other mortgage insurers
- Regulatory risk
- Susceptible to claims increase during recession
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Increased demand for mortgage insurance due to stricter lending standards
- Technological advancements to improve efficiency
- Partnerships with FinTech companies
Threats
- Economic downturn and rising unemployment
- Increased competition and price pressure
- Changes in government regulations
- Rising interest rates
- Housing market correction
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
Competitive Landscape
Essent competes with other mortgage insurers on price, service, and risk appetite. A key differentiator is its strong capital position.
Growth Trajectory and Initiatives
Historical Growth: Essent has experienced growth in line with the expansion of the housing market and their ability to capture market share.
Future Projections: Analyst estimates project continued growth, contingent on the overall health of the housing market and interest rates.
Recent Initiatives: Recent initiatives might include strategic partnerships, new product offerings, and technology investments to improve operational efficiency.
Summary
Essent Group Ltd. is a strong player in the mortgage insurance market, benefiting from a solid capital base and effective risk management. The company's performance is closely tied to the health of the U.S. housing market, making it vulnerable to economic downturns. Essent's initiatives and strong capital position position it for continued growth. They must navigate the risks from interest rate fluctuations and increased competition to maintain its leading position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), Investor Relations materials, Market Reports, Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is approximate and subject to change. Consult a qualified financial advisor for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Essent Group Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2013-10-31 | Founder, Chairman, CEO & President Mr. Mark Anthony Casale | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 521 | Website https://www.essentgroup.com |
Full time employees 521 | Website https://www.essentgroup.com | ||
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders; and mortgage borrowers and investors. Essent Group Ltd. was incorporated in 2008 and is headquartered in Hamilton, Bermuda.
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