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Upturn AI SWOT - About
Essent Group Ltd (ESNT)
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Upturn Advisory Summary
10/31/2025: ESNT (1-star) is currently NOT-A-BUY. Pass it for now.
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 $67.5
1 Year Target Price $67.5
| 2 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.62% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.97B USD | Price to earnings Ratio 8.83 | 1Y Target Price 67.5 |
Price to earnings Ratio 8.83 | 1Y Target Price 67.5 | ||
Volume (30-day avg) 8 | Beta 0.88 | 52 Weeks Range 51.08 - 65.90 | Updated Date 11/2/2025 |
52 Weeks Range 51.08 - 65.90 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 1.94% | Basic EPS (TTM) 6.86 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-11-07 | When Before Market | Estimate 1.77 | 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 8.83 | Forward PE 8.26 | Enterprise Value 6468252080 | Price to Sales(TTM) 4.71 |
Enterprise Value 6468252080 | Price to Sales(TTM) 4.71 | ||
Enterprise Value to Revenue 5 | Enterprise Value to EBITDA - | Shares Outstanding 98533757 | Shares Floating 95036794 |
Shares Outstanding 98533757 | Shares Floating 95036794 | ||
Percent Insiders 5.2 | Percent Institutions 98.98 |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008. It quickly established itself as a leading private mortgage insurer in the U.S., focusing on helping lenders offer mortgages to borrowers with lower down payments.
Core Business Areas
- Mortgage Insurance: Provides private mortgage insurance to cover losses lenders incur when borrowers default on their mortgage loans. This helps lenders provide mortgage financing to more borrowers, especially first-time homebuyers.
- Reinsurance: Manages reinsurance operations to mitigate risks associated with mortgage insurance policies.
Leadership and Structure
Mark Casale serves as the Chief Executive Officer. The company has a standard corporate structure with a board of directors and various executive leadership roles overseeing different business functions.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: This is Essent's main offering, providing coverage for lenders on residential mortgage loans. Essent has a significant market share in this space, competing with MGIC, Radian, and National MI. Market share is estimated around 18-20%. Competitors: MGIC Investment Corp, Radian Group Inc, National Mortgage Insurance (NMIH).
- Reinsurance Solutions: Provides reinsurance protection to other mortgage insurers and lenders. The revenue attributed specifically to this product isn't publicly broken out but it supports the primary mortgage insurance business and contributes indirectly to overall revenue. Competitors: Arch Capital Group Ltd, RenaissanceRe Holdings Ltd, PartnerRe Ltd.
Market Dynamics
Industry Overview
The mortgage insurance industry is closely tied to the housing market and interest rate environment. Demand fluctuates with home sales, refinancing activity, and credit availability. The industry is subject to regulatory oversight and capital requirements.
Positioning
Essent Group is a well-established player in the mortgage insurance industry, known for its strong financial performance and risk management. It competes with other major mortgage insurers based on price, coverage terms, and customer service.
Total Addressable Market (TAM)
The TAM for the mortgage insurance industry is estimated to be in the tens of billions of dollars annually. Essent is positioned to capture a significant portion of this TAM through its market presence and product offerings.
Upturn SWOT Analysis
Strengths
- Strong Financial Performance
- Experienced Management Team
- Solid Risk Management Practices
- Efficient Operations
- Strong Brand Recognition
Weaknesses
- Sensitivity to Housing Market Cycles
- Dependence on Interest Rate Environment
- Regulatory Risks
- Geographic Concentration
Opportunities
- Expansion into New Geographic Markets
- Development of New Insurance Products
- Increased Homeownership Rates
- Technological Innovations
- Partnerships with Lenders
Threats
- Economic Downturns
- Increased Competition
- Changes in Government Regulations
- Rising Interest Rates
- Mortgage Delinquency Rate Increases
Competitors and Market Share
Key Competitors
- MGIC (MTG)
- Radian Group Inc (RDN)
- NMI Holdings Inc (NMIH)
Competitive Landscape
Essent competes primarily on price, coverage terms, and customer service. Its strong financial performance and efficient operations give it a competitive advantage. However, it faces intense competition from other established players and new entrants.
Major Acquisitions
No significant acquisitions to report for the last 3 years
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: No significant acquisitions to report
Growth Trajectory and Initiatives
Historical Growth: Essent has experienced steady growth in revenue and profitability since its inception, driven by the increasing demand for private mortgage insurance. It has expanded its market share and strengthened its financial position.
Future Projections: Analysts expect Essent to continue to grow, driven by the recovery of the housing market and increasing homeownership rates. Future growth will depend on the company's ability to manage risks, maintain its market share, and innovate its product offerings.
Recent Initiatives: Essent has focused on enhancing its technology platform, expanding its distribution channels, and strengthening its relationships with lenders.
Summary
Essent Group is a strong player in the mortgage insurance market, exhibiting solid financial performance and effective risk management. The company benefits from a favorable housing market, but remains vulnerable to economic cycles and interest rate fluctuations. Essent's experienced management team is taking steps to enhance its technology and distribution channels. The company needs to stay mindful of increased competition and regulatory changes to maintain its current position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data is based on estimates and may vary.
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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