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ESNT stock logo

ESNT

Essent Group Ltd.

$59.16
0.91
 (1.56%)
Exchange:  NYSE
Market Cap:  5.593B
Shares Outstanding:  38.447M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Specialty
   
CEO:  Mark Anthony Casale
Full Time Employees:  555
Address: 
Clarendon House
Hamilton
HM 11
BM
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. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/09 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,131,0851,267,1521,260,935
Gross Profit1,099,5431,185,9321,111,598
EBITDA857,661896,593859,790.999
Operating Income822,999855,491821,862
Net Income696,386729,403689,969

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets6,426,6737,111,6497,441,003
Total Liabilities1,324,1231,507,9911,684,276
Total Stockholders Equity5,102,5505,603,6585,756,727
Total Debt421,920493,959495,301
Cash and Cash Equivalents141,787131,480123,049

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow763,001861,532856,053
Capital Expenditure-4,002-6,766-7,364
Free Cash Flow758,999854,766848,689
Net Income696,386729,403689,969
Net Change in Cash60,547-10,307-8,431

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,400,476.384Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,400,476.388Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,400,476.386Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,105,603.616Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,105,603.619Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,105,603.618Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)770,592.203Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)822,008.026Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)796,300.115Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)113,786.549Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)113,786.550Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)113,786.549Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)8.010Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)8.220Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)7.700Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.218B  ?P/S
 (TTM)
: 
4.58
?Net Income
 (TTM)
: 
729.403M  ?P/E
 (TTM)
: 
8.61
?Enterprise Value
 (TTM)
: 
6.306B  ?EV/FCF
 (TTM)
: 
7.43
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.18
?ROE
 (TTM)
: 
0.12  ?ROIC
 (TTM)
: 
-3.35
?Net Debt
 (TTM)
: 
398.652M  ?Debt/Equity
 (TTM)
: 
0.1
?P/B
 (TTM)
: 
1.03  ?Current Ratio
 (TTM)
: 
0.34

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.34Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ESNT intrinsic value between $72.47 – $118.04 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate ESNT Intrinsic Value

Common questions about ESNT valuation

Is Essent Group Ltd. (ESNT) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Essent Group Ltd. (ESNT) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ESNT a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ESNT trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ESNT’s P/E ratio?

You can see ESNT’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ESNT?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ESNT a good long-term investment?

Whether ESNT fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ESNT

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.56
MARKETSnap

Trading Metrics:

Open: 58.47   Previous Close: 58.25
Day Low: 58.09   Day High: 59.21
Year Low: 51.61   Year High: 67.09
Price Avg 50: 60.56   Price Avg 200: 61.22
Volume: 321016   Average Volume: 718529

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See in Nexus

Relevant news

Essent Group: Employment Threats Still A Concern
20-02-2026 08:54
Essent Group: Employment Threats Still A Concern
Essent Group Ltd. (ESNT) Q4 2025 Earnings Call Transcript
13-02-2026 12:47
Essent Group Ltd. (ESNT) Q4 2025 Earnings Call Transcript
Essent Group (ESNT) Q4 Earnings Miss Estimates
13-02-2026 08:41
Essent Group (ESNT) Q4 Earnings Miss Estimates

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