ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis

NYSE:ESNT • BMG3198U1027

59.885 USD
-1.37 (-2.23%)
Last: Feb 19, 2026, 01:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

ESNT gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. ESNT has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. ESNT is valued quite cheap, but it does not seem to be growing. These ratings could make ESNT a good candidate for value investing.


Dividend Valuation Growth Profitability Health

7

1. Profitability

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.
  • Of the past 5 years ESNT 4 years had a positive operating cash flow.
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

  • ESNT's Return On Assets of 9.56% is amongst the best of the industry. ESNT outperforms 86.60% of its industry peers.
  • ESNT has a better Return On Equity (12.25%) than 67.01% of its industry peers.
  • ESNT's Return On Invested Capital of 10.21% is amongst the best of the industry. ESNT outperforms 83.51% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ESNT is above the industry average of 8.38%.
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROIC 10.21%
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

  • With an excellent Profit Margin value of 55.63%, ESNT belongs to the best of the industry, outperforming 93.81% of the companies in the same industry.
  • ESNT's Profit Margin has improved in the last couple of years.
  • ESNT has a better Operating Margin (68.46%) than 92.78% of its industry peers.
  • ESNT's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 68.46%
PM (TTM) 55.63%
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ESNT is still creating some value.
  • Compared to 1 year ago, ESNT has less shares outstanding
  • ESNT has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ESNT has an improved debt to assets ratio.
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 3.79 indicates that ESNT is not in any danger for bankruptcy at the moment.
  • ESNT's Altman-Z score of 3.79 is amongst the best of the industry. ESNT outperforms 85.57% of its industry peers.
  • ESNT has a debt to FCF ratio of 0.59. This is a very positive value and a sign of high solvency as it would only need 0.59 years to pay back of all of its debts.
  • ESNT's Debt to FCF ratio of 0.59 is amongst the best of the industry. ESNT outperforms 83.51% 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.
  • The Debt to Equity ratio of ESNT (0.09) is better than 74.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Altman-Z 3.79
ROIC/WACC1.23
WACC8.3%
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

  • A Current Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 2.63, ESNT belongs to the best of the industry, outperforming 81.44% of the companies in the same industry.
  • ESNT has a Quick Ratio of 2.63. This indicates that ESNT is financially healthy and has no problem in meeting its short term obligations.
  • ESNT has a Quick ratio of 2.63. This is amongst the best in the industry. ESNT outperforms 81.44% of its industry peers.
Industry RankSector Rank
Current Ratio 2.63
Quick Ratio 2.63
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

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

3

3. Growth

3.1 Past

  • ESNT shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 0.73%.
  • The Earnings Per Share has been growing by 12.17% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 1.45% in the past year.
  • 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 7.46% 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 2.19% yearly.
EPS Next Y8.07%
EPS Next 2Y7.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.24%
Revenue Next 2Y2.19%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2 4 6

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.69, the valuation of ESNT can be described as very reasonable.
  • Based on the Price/Earnings ratio, ESNT is valued a bit cheaper than 65.98% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.27, ESNT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.04 indicates a reasonable valuation of ESNT.
  • 65.98% of the companies in the same industry are more expensive than ESNT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.16, ESNT is valued rather cheaply.
Industry RankSector Rank
PE 8.69
Fwd PE 8.04
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

  • ESNT's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ESNT is cheaper than 81.44% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, ESNT is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.92
EV/EBITDA 7.27
ESNT Per share dataESNT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • ESNT's 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)1.08
PEG (5Y)0.71
EPS Next 2Y7.46%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • ESNT has a Yearly Dividend Yield of 2.25%. Purely for dividend investing, there may be better candidates out there.
  • ESNT's Dividend Yield is a higher than the industry average which is at 2.34.
  • ESNT's Dividend Yield is a higher than the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.25%

5.2 History

  • On average, the dividend of ESNT grows each year by 30.20%, 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)30.2%
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

  • 17.35% 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.
DP17.35%
EPS Next 2Y7.46%
EPS Next 3YN/A
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

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Find the best dividend stocksShow peers with best dividend

ESSENT GROUP LTD

NYSE:ESNT (2/19/2026, 1:29:24 PM)

59.885

-1.37 (-2.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13
Earnings (Next)05-04
Inst Owners98.17%
Inst Owner Change-4.09%
Ins Owners3.55%
Ins Owner Change3.63%
Market Cap5.79B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (17.53%)
Short Float %1.85%
Short Ratio2.47
Dividend
Industry RankSector Rank
Dividend Yield 2.25%
Yearly Dividend1.12
Dividend Growth(5Y)30.2%
DP17.35%
Div Incr Years5
Div Non Decr Years5
Ex-Date03-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.52%
Min EPS beat(2)-7.27%
Max EPS beat(2)10.31%
EPS beat(4)2
Avg EPS beat(4)-0.64%
Min EPS beat(4)-7.27%
Max EPS beat(4)10.31%
EPS beat(8)5
Avg EPS beat(8)1.05%
EPS beat(12)8
Avg EPS beat(12)1.27%
EPS beat(16)12
Avg EPS beat(16)9.25%
Revenue beat(2)0
Avg Revenue beat(2)-2.32%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-1.56%
Revenue beat(4)1
Avg Revenue beat(4)-1.48%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)0.34%
Revenue beat(8)2
Avg Revenue beat(8)-1.11%
Revenue beat(12)4
Avg Revenue beat(12)-0.8%
Revenue beat(16)7
Avg Revenue beat(16)0.37%
PT rev (1m)2.22%
PT rev (3m)2.22%
EPS NQ rev (1m)1%
EPS NQ rev (3m)-1.78%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-2.2%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-1.6%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-0.62%
Valuation
Industry RankSector Rank
PE 8.69
Fwd PE 8.04
P/S 4.58
P/FCF 6.92
P/OCF 6.78
P/B 1.01
P/tB 1.02
EV/EBITDA 7.27
EPS(TTM)6.89
EY11.51%
EPS(NY)7.45
Fwd EY12.43%
FCF(TTM)8.66
FCFY14.45%
OCF(TTM)8.83
OCFY14.75%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)1.08
PEG (5Y)0.71
Graham Number95.93
Profitability
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROCE 12.07%
ROIC 10.21%
ROICexc 10.34%
ROICexgc 10.64%
OM 68.46%
PM (TTM) 55.63%
GM N/A
FCFM 66.22%
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-Score5
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Debt/EBITDA 0.57
Cap/Depr 313.22%
Cap/Sales 1.34%
Interest Coverage 27.68
Cash Conversion 98.08%
Profit Quality 119.04%
Current Ratio 2.63
Quick Ratio 2.63
Altman-Z 3.79
F-Score5
WACC8.3%
ROIC/WACC1.23
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)0.73%
EPS 3Y-3.68%
EPS 5Y12.17%
EPS Q2Q%1.27%
EPS Next Y8.07%
EPS Next 2Y7.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.45%
Revenue growth 3Y8.01%
Revenue growth 5Y5.71%
Sales Q2Q%-0.83%
Revenue Next Year1.24%
Revenue Next 2Y2.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-3.75%
EBIT growth 3Y-5.22%
EBIT growth 5Y11.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.39%
OCF growth 3YN/A
OCF growth 5YN/A

ESSENT GROUP LTD / ESNT 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 8.69 and the Price/Book (PB) ratio is 1.01.


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 17.35%.