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Upturn AI SWOT - About
Essent Group Ltd (ESNT)
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Upturn Advisory Summary
08/07/2025: 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 $65
1 Year Target Price $65
| 2 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.01% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.87B USD | Price to earnings Ratio 8.46 | 1Y Target Price 65 |
Price to earnings Ratio 8.46 | 1Y Target Price 65 | ||
Volume (30-day avg) 8 | Beta 0.82 | 52 Weeks Range 51.34 - 64.30 | Updated Date 08/7/2025 |
52 Weeks Range 51.34 - 64.30 | Updated Date 08/7/2025 | ||
Dividends yield (FY) 2.00% | Basic EPS (TTM) 6.84 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-08 | When - | Estimate 1.71 | 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 8.46 | Forward PE 8.46 | Enterprise Value 6152307436 | Price to Sales(TTM) 4.65 |
Enterprise Value 6152307436 | Price to Sales(TTM) 4.65 | ||
Enterprise Value to Revenue 4.78 | Enterprise Value to EBITDA - | Shares Outstanding 101402000 | Shares Floating 97871758 |
Shares Outstanding 101402000 | Shares Floating 97871758 | ||
Percent Insiders 5.09 | Percent Institutions 97.77 |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008 and is a leading provider of private mortgage insurance (PMI) in the United States. It went public in 2013. Essent has grown significantly since its inception, capitalizing on opportunities arising from changes in the mortgage market following the 2008 financial crisis.
Core Business Areas
- U.S. Mortgage Insurance: Provides mortgage insurance for single-family homes in the U.S., covering the lender in case of borrower default.
- Essent Guaranty, Inc.: Offers mortgage insurance products and services to lenders nationwide.
- Essent Reinsurance Ltd.: Reinsures a portion of Essent's mortgage insurance risk.
Leadership and Structure
The CEO of Essent Group Ltd. is Mark Casale. The company operates with a functional organizational structure, dividing responsibilities across departments like underwriting, sales, finance, and risk management.
Top Products and Market Share
Key Offerings
- Primary Mortgage Insurance: Essent's primary product is mortgage insurance, which allows borrowers to purchase homes with down payments less than 20%. It covers losses to lenders if a borrower defaults. Competitors include MGIC, Radian, and NMI Holdings. Market share information is shown below in the Market Share Comparison section.
- Reinsurance: Essent Re offers reinsurance services to other mortgage insurers and lenders. Competitors in this space include traditional reinsurance companies as well as other mortgage insurers with reinsurance arms. Revenue information for this product specifically isn't readily available, and market share is embedded within the larger mortgage insurance market.
Market Dynamics
Industry Overview
The U.S. mortgage insurance industry is driven by factors like housing affordability, interest rates, and lending standards. The industry is consolidated, with a few major players dominating the market. Regulatory changes and economic cycles heavily influence the industry.
Positioning
Essent Group Ltd. is one of the top players in the U.S. private mortgage insurance market. Its competitive advantages include its strong capital position, efficient operations, and experienced management team.
Total Addressable Market (TAM)
The TAM for private mortgage insurance is tied to the overall mortgage origination market, estimated at trillions of dollars annually. Essent is positioned to capture a significant share of this TAM, based on market conditions and lender relationships.
Upturn SWOT Analysis
Strengths
- Strong Capital Position
- Efficient Operations
- Experienced Management Team
- Low Expense Ratio
- Strong Underwriting Standards
Weaknesses
- Exposure to Housing Market Cycles
- Dependence on U.S. Mortgage Market
- Sensitivity to Interest Rate Changes
- Geographic Concentration
Opportunities
- Expanding Market Share
- Developing New Products
- Strategic Acquisitions
- Growth in First Time Home Buyers
- Increase in Home Ownership rates.
Threats
- Increased Competition
- Economic Downturn
- Regulatory Changes
- Rising Interest Rates
- Changes in Government Housing Policy
Competitors and Market Share
Key Competitors
- MTG
- RDN
- NMIH
Competitive Landscape
Essent competes with other private mortgage insurers primarily based on price, service, and financial strength. Essent's strengths include its efficient operations and strong capital position, but it faces competition from larger and more established players.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information requires subscription access to financial data.
Future Projections: Future projections for Essent Group Ltd.'s growth rely on analysts' estimates. Data unavailable without subscription.
Recent Initiatives: Recent initiatives include new product offerings and enhancements to underwriting processes, and digital transformation efforts.
Summary
Essent Group is a major player in the mortgage insurance industry, benefiting from its strong capital position and underwriting standards. However, its performance is highly correlated with the housing market. Increased competition and regulatory changes represent ongoing challenges. Essent continues to invest in technology and explore growth opportunities to enhance its market position and shareholder value.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Industry Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance are subject to change.
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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