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Essent Group Ltd (ESNT)
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Upturn Advisory Summary
01/07/2026: 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 $68.38
1 Year Target Price $68.38
| 2 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 13.9% | Avg. Invested days 46 | 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 01/07/2026 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.32B USD | Price to earnings Ratio 9.33 | 1Y Target Price 68.38 |
Price to earnings Ratio 9.33 | 1Y Target Price 68.38 | ||
Volume (30-day avg) 8 | Beta 0.9 | 52 Weeks Range 50.83 - 67.09 | Updated Date 01/7/2026 |
52 Weeks Range 50.83 - 67.09 | Updated Date 01/7/2026 | ||
Dividends yield (FY) 1.85% | Basic EPS (TTM) 6.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 55.63% | Operating Margin (TTM) 66.51% |
Management Effectiveness
Return on Assets (TTM) 7.47% | Return on Equity (TTM) 12.35% |
Valuation
Trailing PE 9.33 | Forward PE 8.92 | Enterprise Value 6738018068 | Price to Sales(TTM) 5 |
Enterprise Value 6738018068 | Price to Sales(TTM) 5 | ||
Enterprise Value to Revenue 5.22 | Enterprise Value to EBITDA - | Shares Outstanding 96665101 | Shares Floating 93197724 |
Shares Outstanding 96665101 | Shares Floating 93197724 | ||
Percent Insiders 5.28 | Percent Institutions 98.66 |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008. It is a holding company for a group of mortgage insurance providers. A significant milestone was its initial public offering (IPO) in 2014. The company has since grown through organic expansion and strategic acquisitions, solidifying its position in the private mortgage insurance (PMI) market.
Core Business Areas
- Private Mortgage Insurance (PMI): Essent provides private mortgage insurance to protect mortgage lenders from losses if a borrower defaults on a mortgage loan. This is their primary business, covering a significant portion of their revenue.
- Reinsurance and Portfolio Solutions: Essent offers reinsurance solutions to financial institutions, helping them manage credit risk on their loan portfolios. They also provide portfolio strategies to optimize risk and capital.
Leadership and Structure
Essent Group Ltd. is led by a senior management team responsible for its strategic direction and operational execution. The company operates through its subsidiaries, primarily Essent Guaranty, Inc., which is the main underwriter of mortgage insurance.
Top Products and Market Share
Key Offerings
- PMI Policies: Essent offers comprehensive private mortgage insurance policies that cover a high percentage of the outstanding loan balance in case of default. Their market share in the PMI sector is significant, estimated to be around 25% as of recent reports. Key competitors include Arch Capital Group (ACGL), Genworth Financial (GNW), and Enact Holdings (ACT).
- Reinsurance Services: Essent provides customized reinsurance solutions to financial institutions, enabling them to transfer a portion of their credit risk. This segment contributes to their diversification and revenue streams, though it is smaller than their core PMI business.
Market Dynamics
Industry Overview
The private mortgage insurance industry operates within the broader U.S. housing finance market. It is influenced by interest rates, housing price appreciation, unemployment rates, and regulatory policies. The demand for PMI is driven by lenders' requirements to protect themselves against borrower defaults, especially on loans with lower down payments.
Positioning
Essent Group Ltd. is a leading provider of private mortgage insurance in the United States, known for its strong risk management practices and focus on capital efficiency. Its competitive advantages include its established market presence, experienced management team, and ability to underwrite a significant volume of insurance.
Total Addressable Market (TAM)
The Total Addressable Market (TAM) for private mortgage insurance is substantial and tied to the volume of new mortgage originations and the outstanding balance of mortgages requiring PMI. Essent is well-positioned to capture a significant share of this market, benefiting from continued demand for homeownership and lenders' ongoing need for risk mitigation.
Upturn SWOT Analysis
Strengths
- Strong market position in private mortgage insurance.
- Experienced management team with a deep understanding of the mortgage market.
- Robust risk management framework and underwriting capabilities.
- Diversified revenue streams through reinsurance and portfolio solutions.
- Solid financial health and capital adequacy.
Weaknesses
- Concentration risk in the U.S. housing market.
- Dependence on regulatory environments.
- Potential for increased competition.
- Sensitivity to interest rate fluctuations and economic downturns.
Opportunities
- Growth in the U.S. housing market and mortgage originations.
- Expansion into new product lines or geographic markets.
- Leveraging technology for improved underwriting and operational efficiency.
- Potential for increased demand for PMI from first-time homebuyers.
- Strategic partnerships and acquisitions.
Threats
- Economic recession leading to higher default rates.
- Changes in housing policy or mortgage regulations.
- Increased interest rates affecting mortgage affordability and demand.
- Disruptive technologies in the mortgage lending space.
- Intensifying competition leading to pricing pressures.
Competitors and Market Share
Key Competitors
- Arch Capital Group Ltd. (ACGL)
- Enact Holdings, Inc. (ACT)
- Genworth Financial, Inc. (GNW)
Competitive Landscape
Essent Group Ltd. competes in a concentrated market where pricing, capital strength, and underwriting prowess are key differentiators. Essent's competitive advantages lie in its strong risk management, consistent profitability, and ability to scale its operations effectively. Its disadvantages might stem from its relatively younger age compared to some established competitors, although it has rapidly gained market share.
Growth Trajectory and Initiatives
Historical Growth: Essent Group Ltd. has experienced significant historical growth, driven by its expansion in the private mortgage insurance market and strategic initiatives. This growth is evident in its increasing revenue, net income, and market share.
Future Projections: Analyst estimates for Essent Group Ltd.'s future growth are generally positive, driven by expectations of continued strength in the U.S. housing market, increasing mortgage originations, and the company's strong competitive position. Projections often focus on EPS growth and book value per share increases.
Recent Initiatives: Recent strategic initiatives may include investments in technology to enhance underwriting and customer service, expansion of their reinsurance offerings, and potential opportunistic acquisitions to further strengthen their market position.
Summary
Essent Group Ltd. is a robust player in the private mortgage insurance sector, demonstrating strong financial performance and a solid market position. Its core business of PMI is supported by effective risk management and a growing demand for homeownership. While the company benefits from a favorable housing market, it must remain vigilant against economic downturns and evolving regulatory landscapes. Continued investment in technology and potential strategic acquisitions could further solidify its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Reports (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Wall Street Journal)
- Financial Data Providers (e.g., Refinitiv, FactSet)
- Industry Analyst Reports
Disclaimers:
This JSON output is generated based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investment decisions should be made in consultation with a qualified financial advisor. Market share data and financial metrics are estimates and may vary based on the reporting period and source.
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 510 | Website https://ir.essentgroup.com |
Full time employees 510 | Website https://ir.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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