ESSENT GROUP LTD (ESNT) Fundamental Analysis & Valuation

NYSE:ESNT • BMG3198U1027

Current stock price

58.09 USD
+0.4 (+0.69%)
At close:
58.09 USD
0 (0%)
After Hours:

This ESNT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. ESNT Profitability Analysis

1.1 Basic Checks

  • ESNT had positive earnings in the past year.
  • In the past year ESNT had a positive cash flow from operations.
  • In the past 5 years ESNT has always been profitable.
  • ESNT had a positive operating cash flow in each of the past 5 years.
ESNT Yearly Net Income VS EBIT VS OCF VS FCFESNT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • With an excellent Return On Assets value of 9.27%, ESNT belongs to the best of the industry, outperforming 86.73% of the companies in the same industry.
  • ESNT has a Return On Equity of 11.99%. This is in the better half of the industry: ESNT outperforms 64.29% of its industry peers.
  • ESNT has a Return On Invested Capital of 9.96%. This is amongst the best in the industry. ESNT outperforms 82.65% of its industry peers.
  • ESNT had an Average Return On Invested Capital over the past 3 years of 10.79%. This is above the industry average of 8.33%.
Industry RankSector Rank
ROA 9.27%
ROE 11.99%
ROIC 9.96%
ROA(3y)10.12%
ROA(5y)11.36%
ROE(3y)12.88%
ROE(5y)14.68%
ROIC(3y)10.79%
ROIC(5y)12%
ESNT Yearly ROA, ROE, ROICESNT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • ESNT's Profit Margin of 54.72% is amongst the best of the industry. ESNT outperforms 93.88% of its industry peers.
  • ESNT's Profit Margin has improved in the last couple of years.
  • With an excellent Operating Margin value of 67.77%, ESNT belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ESNT has grown nicely.
Industry RankSector Rank
OM 67.77%
PM (TTM) 54.72%
GM N/A
OM growth 3Y-12.25%
OM growth 5Y5.34%
PM growth 3Y-12.99%
PM growth 5Y4.82%
GM growth 3YN/A
GM growth 5YN/A
ESNT Yearly Profit, Operating, Gross MarginsESNT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80 100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. ESNT Health Analysis

2.1 Basic Checks

  • ESNT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, ESNT has less shares outstanding
  • The number of shares outstanding for ESNT has been reduced compared to 5 years ago.
  • The debt/assets ratio for ESNT has been reduced compared to a year ago.
ESNT Yearly Shares OutstandingESNT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
ESNT Yearly Total Debt VS Total AssetsESNT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • An Altman-Z score of 3.53 indicates that ESNT is not in any danger for bankruptcy at the moment.
  • ESNT has a better Altman-Z score (3.53) than 84.69% of its industry peers.
  • The Debt to FCF ratio of ESNT is 0.58, which is an excellent value as it means it would take ESNT, only 0.58 years of fcf income to pay off all of its debts.
  • ESNT has a better Debt to FCF ratio (0.58) than 83.67% of its industry peers.
  • ESNT has a Debt/Equity ratio of 0.09. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.09, ESNT is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.58
Altman-Z 3.53
ROIC/WACC1.16
WACC8.62%
ESNT Yearly LT Debt VS Equity VS FCFESNT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

  • ESNT has a Current Ratio of 2.77. This indicates that ESNT is financially healthy and has no problem in meeting its short term obligations.
  • ESNT has a better Current ratio (2.77) than 81.63% of its industry peers.
  • ESNT has a Quick Ratio of 2.77. This indicates that ESNT is financially healthy and has no problem in meeting its short term obligations.
  • ESNT has a better Quick ratio (2.77) than 81.63% of its industry peers.
Industry RankSector Rank
Current Ratio 2.77
Quick Ratio 2.77
ESNT Yearly Current Assets VS Current LiabilitesESNT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. ESNT Growth Analysis

3.1 Past

  • ESNT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.73%.
  • Measured over the past years, ESNT shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.17% on average per year.
  • ESNT shows a small growth in Revenue. In the last year, the Revenue has grown by 1.45%.
  • The Revenue has been growing slightly by 5.71% on average over the past years.
EPS 1Y (TTM)0.73%
EPS 3Y-3.68%
EPS 5Y12.17%
EPS Q2Q%1.27%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y8.01%
Revenue growth 5Y5.71%
Sales Q2Q%-0.83%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.48% on average over the next years.
  • ESNT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.35% yearly.
EPS Next Y5.64%
EPS Next 2Y6.58%
EPS Next 3Y2.48%
EPS Next 5YN/A
Revenue Next Year-2.49%
Revenue Next 2Y0.35%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ESNT Yearly Revenue VS EstimatesESNT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
ESNT Yearly EPS VS EstimatesESNT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

7

4. ESNT Valuation Analysis

4.1 Price/Earnings Ratio

  • ESNT is valuated reasonably with a Price/Earnings ratio of 8.43.
  • Based on the Price/Earnings ratio, ESNT is valued a bit cheaper than 66.33% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. ESNT is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.98, the valuation of ESNT can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ESNT indicates a somewhat cheap valuation: ESNT is cheaper than 67.35% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 23.84. ESNT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.43
Fwd PE 7.98
ESNT Price Earnings VS Forward Price EarningsESNT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ESNT is valued cheaply inside the industry as 81.63% of the companies are valued more expensively.
  • ESNT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. ESNT is cheaper than 87.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.47
EV/EBITDA 6.78
ESNT Per share dataESNT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • ESNT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.5
PEG (5Y)0.69
EPS Next 2Y6.58%
EPS Next 3Y2.48%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. ESNT Dividend Analysis

5.1 Amount

  • ESNT has a Yearly Dividend Yield of 2.35%.
  • Compared to an average industry Dividend Yield of 2.34, ESNT pays a bit more dividend than its industry peers.
  • ESNT's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

  • On average, the dividend of ESNT grows each year by 13.09%, which is quite nice.
  • ESNT has been paying a dividend for over 5 years, so it has already some track record.
  • ESNT has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.09%
Div Incr Years5
Div Non Decr Years5
ESNT Yearly Dividends per shareESNT Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 17.69% of the earnings are spent on dividend by ESNT. This is a low number and sustainable payout ratio.
  • ESNT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.69%
EPS Next 2Y6.58%
EPS Next 3Y2.48%
ESNT Yearly Income VS Free CF VS DividendESNT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M
ESNT Dividend Payout.ESNT Dividend Payout, showing the Payout Ratio.ESNT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ESNT Fundamentals: All Metrics, Ratios and Statistics

ESSENT GROUP LTD

NYSE:ESNT (3/13/2026, 8:23:14 PM)

After market: 58.09 0 (0%)

58.09

+0.4 (+0.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13
Earnings (Next)05-04
Inst Owners98.23%
Inst Owner Change-1.96%
Ins Owners3.82%
Ins Owner Change0.63%
Market Cap5.49B
Revenue(TTM)1.26B
Net Income(TTM)689.97M
Analysts75.38
Price Target70.16 (20.78%)
Short Float %2.01%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 2.35%
Yearly Dividend1.22
Dividend Growth(5Y)13.09%
DP17.69%
Div Incr Years5
Div Non Decr Years5
Ex-Date03-13
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.39%
Min EPS beat(2)-9.51%
Max EPS beat(2)-7.27%
EPS beat(4)2
Avg EPS beat(4)-1.55%
Min EPS beat(4)-9.51%
Max EPS beat(4)10.31%
EPS beat(8)4
Avg EPS beat(8)-0.28%
EPS beat(12)8
Avg EPS beat(12)1.24%
EPS beat(16)11
Avg EPS beat(16)7.73%
Revenue beat(2)0
Avg Revenue beat(2)-2.56%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-2.03%
Revenue beat(4)1
Avg Revenue beat(4)-1.58%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)0.34%
Revenue beat(8)1
Avg Revenue beat(8)-1.59%
Revenue beat(12)4
Avg Revenue beat(12)-0.3%
Revenue beat(16)6
Avg Revenue beat(16)-0.03%
PT rev (1m)-0.31%
PT rev (3m)2.28%
EPS NQ rev (1m)-2.99%
EPS NQ rev (3m)-3.44%
EPS NY rev (1m)-2.25%
EPS NY rev (3m)-2.52%
Revenue NQ rev (1m)-3.22%
Revenue NQ rev (3m)-4.03%
Revenue NY rev (1m)-3.68%
Revenue NY rev (3m)-4.27%
Valuation
Industry RankSector Rank
PE 8.43
Fwd PE 7.98
P/S 4.36
P/FCF 6.47
P/OCF 6.42
P/B 0.95
P/tB 0.97
EV/EBITDA 6.78
EPS(TTM)6.89
EY11.86%
EPS(NY)7.28
Fwd EY12.53%
FCF(TTM)8.98
FCFY15.45%
OCF(TTM)9.05
OCFY15.59%
SpS13.34
BVpS60.89
TBVpS60.07
PEG (NY)1.5
PEG (5Y)0.69
Graham Number97.16
Profitability
Industry RankSector Rank
ROA 9.27%
ROE 11.99%
ROCE 11.78%
ROIC 9.96%
ROICexc 10.14%
ROICexgc 10.44%
OM 67.77%
PM (TTM) 54.72%
GM N/A
FCFM 67.31%
ROA(3y)10.12%
ROA(5y)11.36%
ROE(3y)12.88%
ROE(5y)14.68%
ROIC(3y)10.79%
ROIC(5y)12%
ROICexc(3y)11.01%
ROICexc(5y)12.21%
ROICexgc(3y)11.33%
ROICexgc(5y)12.51%
ROCE(3y)12.75%
ROCE(5y)14.18%
ROICexgc growth 3Y-12.76%
ROICexgc growth 5Y4.12%
ROICexc growth 3Y-12.89%
ROICexc growth 5Y3.76%
OM growth 3Y-12.25%
OM growth 5Y5.34%
PM growth 3Y-12.99%
PM growth 5Y4.82%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.58
Debt/EBITDA 0.58
Cap/Depr 140.72%
Cap/Sales 0.58%
Interest Coverage 27.35
Cash Conversion 99.57%
Profit Quality 123%
Current Ratio 2.77
Quick Ratio 2.77
Altman-Z 3.53
F-Score6
WACC8.62%
ROIC/WACC1.16
Cap/Depr(3y)173.03%
Cap/Depr(5y)145.19%
Cap/Sales(3y)0.76%
Cap/Sales(5y)0.59%
Profit Quality(3y)115.94%
Profit Quality(5y)104.36%
High Growth Momentum
Growth
EPS 1Y (TTM)0.73%
EPS 3Y-3.68%
EPS 5Y12.17%
EPS Q2Q%1.27%
EPS Next Y5.64%
EPS Next 2Y6.58%
EPS Next 3Y2.48%
EPS Next 5YN/A
Revenue 1Y (TTM)1.45%
Revenue growth 3Y8.01%
Revenue growth 5Y5.71%
Sales Q2Q%-0.83%
Revenue Next Year-2.49%
Revenue Next 2Y0.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-4.07%
EBIT growth 3Y-5.22%
EBIT growth 5Y11.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y0.46%
FCF growth 3Y13.22%
FCF growth 5Y3.19%
OCF growth 1Y-0.64%
OCF growth 3Y13.29%
OCF growth 5Y3.3%

ESSENT GROUP LTD / ESNT Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ESSENT GROUP LTD (ESNT) stock?

ChartMill assigns a fundamental rating of 7 / 10 to ESNT.


Can you provide the valuation status for ESSENT GROUP LTD?

ChartMill assigns a valuation rating of 7 / 10 to ESSENT GROUP LTD (ESNT). This can be considered as Undervalued.


What is the profitability of ESNT stock?

ESSENT GROUP LTD (ESNT) has a profitability rating of 7 / 10.


What are the PE and PB ratios of ESSENT GROUP LTD (ESNT) stock?

The Price/Earnings (PE) ratio for ESSENT GROUP LTD (ESNT) is 8.43 and the Price/Book (PB) ratio is 0.95.


Is the dividend of ESSENT GROUP LTD sustainable?

The dividend rating of ESSENT GROUP LTD (ESNT) is 6 / 10 and the dividend payout ratio is 17.69%.