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ESNT
Upturn stock ratingUpturn stock rating

Essent Group Ltd (ESNT)

Upturn stock ratingUpturn stock rating
$62.91
Last Close (24-hour delay)
Profit since last BUY0.16%
upturn advisory
Consider higher Upturn Star rating
BUY since 12 days
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Upturn Advisory Summary

08/28/2025: ESNT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$66.25 Target price
52w Low $51.08
Current$62.91
52w High $63.98

Analysis of Past Performance

Type Stock
Historic Profit 17.19%
Avg. Invested days 45
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/28/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 6.20B USD
Price to earnings Ratio 9.17
1Y Target Price 66.25
Price to earnings Ratio 9.17
1Y Target Price 66.25
Volume (30-day avg) 8
Beta 0.82
52 Weeks Range 51.08 - 63.98
Updated Date 08/29/2025
52 Weeks Range 51.08 - 63.98
Updated Date 08/29/2025
Dividends yield (FY) 1.86%
Basic EPS (TTM) 6.86

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Earnings Date

Report Date 2025-08-08
When Before Market
Estimate 1.71
Actual 1.93

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 9.17
Forward PE 9.5
Enterprise Value 6670246282
Price to Sales(TTM) 4.89
Enterprise Value 6670246282
Price to Sales(TTM) 4.89
Enterprise Value to Revenue 5.15
Enterprise Value to EBITDA -
Shares Outstanding 98533800
Shares Floating 95019058
Shares Outstanding 98533800
Shares Floating 95019058
Percent Insiders 5.22
Percent Institutions 99.43

ai summary icon Upturn AI SWOT

Essent Group Ltd

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 521

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.