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Upturn AI SWOT - About
Essent Group Ltd (ESNT)
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Upturn Advisory Summary
06/11/2025: 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
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Year Target Price $64.75
Year Target Price $64.75
| 2 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 22.91% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/11/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.15B USD | Price to earnings Ratio 8.87 | 1Y Target Price 64.75 |
Price to earnings Ratio 8.87 | 1Y Target Price 64.75 | ||
Volume (30-day avg) 8 | Beta 0.8 | 52 Weeks Range 51.34 - 64.30 | Updated Date 06/30/2025 |
52 Weeks Range 51.34 - 64.30 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.04% | Basic EPS (TTM) 6.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 57.3% | Operating Margin (TTM) 67.75% |
Management Effectiveness
Return on Assets (TTM) 8.03% | Return on Equity (TTM) 13.29% |
Valuation
Trailing PE 8.87 | Forward PE 8.87 | Enterprise Value 6435217749 | Price to Sales(TTM) 4.87 |
Enterprise Value 6435217749 | Price to Sales(TTM) 4.87 | ||
Enterprise Value to Revenue 5 | Enterprise Value to EBITDA - | Shares Outstanding 101402000 | Shares Floating 97871758 |
Shares Outstanding 101402000 | Shares Floating 97871758 | ||
Percent Insiders 5.09 | Percent Institutions 98.34 |
Analyst Ratings
Rating 3 | Target Price 64.75 | Buy 3 | Strong Buy 2 |
Buy 3 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008. The company provides private mortgage insurance in the United States, playing a crucial role in enabling homeownership. Essent quickly grew to become a leading provider in the mortgage insurance industry.
Core Business Areas
- U.S. Mortgage Insurance: This segment offers mortgage insurance to lenders, covering losses resulting from borrower defaults. It enables borrowers to qualify for mortgages with lower down payments.
Leadership and Structure
Mark A. Casale is the Chief Executive Officer. The company has a typical corporate structure with various departments overseeing underwriting, risk management, finance, and operations.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: This covers the lender for losses if a borrower defaults on their mortgage. Essent is a major player. Competitors include MGIC Investment Corp (MTG) and Radian Group (RDN).
Market Dynamics
Industry Overview
The mortgage insurance industry is closely tied to the housing market and interest rates. Increased home prices and mortgage rates directly impact this market.
Positioning
Essent is one of the leading private mortgage insurers, known for its risk management practices and strong financial position. This has made them a favorable company for mortgage lenders.
Total Addressable Market (TAM)
The TAM is difficult to quantify precisely but includes all mortgages requiring insurance due to low down payments. Essent is positioned to capture a significant share.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Effective risk management
- Experienced management team
- Consistent profitability
Weaknesses
- Sensitivity to housing market cycles
- Reliance on a single line of business
- Exposure to regulatory changes
Opportunities
- Expanding market share
- Diversifying product offerings
- Capitalizing on favorable demographic trends
- Technological innovations
Threats
- Economic downturns
- Increased competition
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- MTG
- RDN
Competitive Landscape
Essent competes with other mortgage insurers based on price, service, and risk management capabilities. Essent's strong capital position provides a competitive advantage.
Growth Trajectory and Initiatives
Historical Growth: Essent has experienced strong growth in recent years, driven by the growth of the housing market and increasing demand for mortgage insurance.
Future Projections: Future growth projections depend on the state of the housing market and competitive landscape. Analyst reports provide detailed projections.
Recent Initiatives: Recent strategic initiatives include enhancing its digital platform and expanding its relationships with mortgage lenders.
Summary
Essent Group Ltd. is a key player in the mortgage insurance market with a strong financial foundation. Its success is closely tied to the housing market, making it vulnerable to economic downturns. Effective risk management and strategic initiatives are crucial for maintaining its competitive edge. While challenges exist, Essent's consistent profitability suggests a strong market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Financial data providers
- Analyst reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market conditions and company performance can change over time.
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 555 | Website https://www.essentgroup.com |
Full time employees 555 | 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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