ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:ESNT • BMG3198U1027

64.19 USD
+1.14 (+1.81%)
At close: Feb 4, 2026
64.19 USD
0 (0%)
After Hours: 2/4/2026, 7:17:20 PM
Fundamental Rating

6

Overall ESNT gets a fundamental rating of 6 out of 10. We evaluated ESNT against 97 industry peers in the Financial Services industry. ESNT scores excellent points on both the profitability and health parts. This is a solid base for a good stock. ESNT has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

  • ESNT had positive earnings in the past year.
  • ESNT had a positive operating cash flow in the past year.
  • In the past 5 years ESNT has always been profitable.
  • In the past 5 years ESNT always reported a positive cash flow from operatings.
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 200M 400M 600M 800M 1B

1.2 Ratios

  • ESNT has a Return On Assets of 9.56%. This is amongst the best in the industry. ESNT outperforms 87.63% of its industry peers.
  • ESNT has a better Return On Equity (12.25%) than 65.98% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 10.25%, ESNT belongs to the top of the industry, outperforming 82.47% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ESNT is above the industry average of 8.52%.
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROIC 10.25%
ROA(3y)11.87%
ROA(5y)11.09%
ROE(3y)15.1%
ROE(5y)14.42%
ROIC(3y)12.56%
ROIC(5y)11.7%
ESNT Yearly ROA, ROE, ROICESNT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • The Profit Margin of ESNT (55.63%) is better than 94.85% of its industry peers.
  • ESNT's Profit Margin has declined in the last couple of years.
  • ESNT has a Operating Margin of 68.46%. This is amongst the best in the industry. ESNT outperforms 92.78% of its industry peers.
  • In the last couple of years the Operating Margin of ESNT has remained more or less at the same level.
Industry RankSector Rank
OM 68.46%
PM (TTM) 55.63%
GM N/A
OM growth 3Y-3.9%
OM growth 5Y-1.46%
PM growth 3Y-3.98%
PM growth 5Y-1.73%
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 20 40 60 80 100

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8

2. Health

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.
  • The number of shares outstanding for ESNT has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ESNT has more shares outstanding
  • ESNT has a worse debt/assets ratio than last year.
ESNT Yearly Shares OutstandingESNT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B

2.2 Solvency

  • An Altman-Z score of 3.85 indicates that ESNT is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 3.85, ESNT belongs to the best of the industry, outperforming 86.60% of the companies in the same industry.
  • The Debt to FCF ratio of ESNT is 0.59, which is an excellent value as it means it would take ESNT, only 0.59 years of fcf income to pay off all of its debts.
  • ESNT has a Debt to FCF ratio of 0.59. This is amongst the best in the industry. ESNT outperforms 84.54% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that ESNT is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.09, ESNT is doing good in the industry, outperforming 76.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Altman-Z 3.85
ROIC/WACC1.2
WACC8.53%
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 1B 2B 3B 4B 5B

2.3 Liquidity

  • ESNT has a Current Ratio of 2.63. This indicates that ESNT is financially healthy and has no problem in meeting its short term obligations.
  • ESNT's Current ratio of 2.63 is amongst the best of the industry. ESNT outperforms 81.44% of its industry peers.
  • 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 better Quick ratio (2.63) than 83.51% 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 100M 200M 300M 400M

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3

3. Growth

3.1 Past

  • ESNT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.43%.
  • ESNT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.90% yearly.
  • The Revenue has been growing slightly by 3.13% in the past year.
  • ESNT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.45% yearly.
EPS 1Y (TTM)-0.43%
EPS 3Y3.83%
EPS 5Y3.9%
EPS Q2Q%1.21%
Revenue 1Y (TTM)3.13%
Revenue growth 3Y6.52%
Revenue growth 5Y7.45%
Sales Q2Q%-1.5%

3.2 Future

  • Based on estimates for the next years, ESNT will show a small growth in Earnings Per Share. The EPS will grow by 5.17% on average per year.
  • ESNT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.83% yearly.
EPS Next Y4.23%
EPS Next 2Y4.34%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue Next Year1.5%
Revenue Next 2Y1.18%
Revenue Next 3Y1.83%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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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6

4. Valuation

4.1 Price/Earnings Ratio

  • ESNT is valuated reasonably with a Price/Earnings ratio of 9.34.
  • Based on the Price/Earnings ratio, ESNT is valued a bit cheaper than 67.01% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, ESNT is valued rather cheaply.
  • ESNT is valuated reasonably with a Price/Forward Earnings ratio of 8.62.
  • Based on the Price/Forward Earnings ratio, ESNT is valued a bit cheaper than the industry average as 60.82% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of ESNT to the average of the S&P500 Index (27.50), we can say ESNT is valued rather cheaply.
Industry RankSector Rank
PE 9.34
Fwd PE 8.62
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 a bit cheaper than 77.32% of the companies in the same industry.
  • 84.54% of the companies in the same industry are more expensive than ESNT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.42
EV/EBITDA 7.47
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

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • ESNT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)2.21
PEG (5Y)2.4
EPS Next 2Y4.34%
EPS Next 3Y5.17%

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5

5. Dividend

5.1 Amount

  • ESNT has a Yearly Dividend Yield of 1.95%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.00, ESNT pays a bit more dividend than its industry peers.
  • ESNT's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.95%

5.2 History

  • The dividend of ESNT is nicely growing with an annual growth rate of 30.20%!
  • 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 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.
  • The dividend of ESNT is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP17.35%
EPS Next 2Y4.34%
EPS Next 3Y5.17%
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 200M 400M 600M 800M
ESNT Dividend Payout.ESNT Dividend Payout, showing the Payout Ratio.ESNT Dividend Payout.PayoutRetained Earnings

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ESSENT GROUP LTD

NYSE:ESNT (2/4/2026, 7:17:20 PM)

After market: 64.19 0 (0%)

64.19

+1.14 (+1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-07
Earnings (Next)02-13
Inst Owners98.17%
Inst Owner Change-2.49%
Ins Owners3.55%
Ins Owner Change-1.42%
Market Cap6.21B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.23 (9.41%)
Short Float %2.13%
Short Ratio2.92
Dividend
Industry RankSector Rank
Dividend Yield 1.95%
Yearly Dividend1.12
Dividend Growth(5Y)30.2%
DP17.35%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
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)2.01%
PT rev (3m)2.01%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-2.44%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-2.2%
Revenue NQ rev (1m)-1.24%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)-0.69%
Valuation
Industry RankSector Rank
PE 9.34
Fwd PE 8.62
P/S 4.91
P/FCF 7.42
P/OCF 7.27
P/B 1.08
P/tB 1.1
EV/EBITDA 7.47
EPS(TTM)6.87
EY10.7%
EPS(NY)7.45
Fwd EY11.6%
FCF(TTM)8.66
FCFY13.48%
OCF(TTM)8.83
OCFY13.76%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)2.21
PEG (5Y)2.4
Graham Number95.79
Profitability
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROCE 12.07%
ROIC 10.25%
ROICexc 10.39%
ROICexgc 10.68%
OM 68.46%
PM (TTM) 55.63%
GM N/A
FCFM 66.22%
ROA(3y)11.87%
ROA(5y)11.09%
ROE(3y)15.1%
ROE(5y)14.42%
ROIC(3y)12.56%
ROIC(5y)11.7%
ROICexc(3y)12.79%
ROICexc(5y)11.91%
ROICexgc(3y)13.14%
ROICexgc(5y)12.18%
ROCE(3y)14.78%
ROCE(5y)13.78%
ROICexgc growth 3Y-3.89%
ROICexgc growth 5Y-5.69%
ROICexc growth 3Y-4.41%
ROICexc growth 5Y-6.08%
OM growth 3Y-3.9%
OM growth 5Y-1.46%
PM growth 3Y-3.98%
PM growth 5Y-1.73%
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 3.85
F-Score5
WACC8.53%
ROIC/WACC1.2
Cap/Depr(3y)170.57%
Cap/Depr(5y)131.59%
Cap/Sales(3y)0.7%
Cap/Sales(5y)0.52%
Profit Quality(3y)98.38%
Profit Quality(5y)114.9%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.43%
EPS 3Y3.83%
EPS 5Y3.9%
EPS Q2Q%1.21%
EPS Next Y4.23%
EPS Next 2Y4.34%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue 1Y (TTM)3.13%
Revenue growth 3Y6.52%
Revenue growth 5Y7.45%
Sales Q2Q%-1.5%
Revenue Next Year1.5%
Revenue Next 2Y1.18%
Revenue Next 3Y1.83%
Revenue Next 5YN/A
EBIT growth 1Y-3.75%
EBIT growth 3Y2.36%
EBIT growth 5Y5.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.78%
FCF growth 3Y6.12%
FCF growth 5Y7.57%
OCF growth 1Y18.6%
OCF growth 3Y6.7%
OCF growth 5Y7.87%

ESSENT GROUP LTD / ESNT FAQ

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

ChartMill assigns a fundamental rating of 6 / 10 to ESNT.


Can you provide the valuation status for ESSENT GROUP LTD?

ChartMill assigns a valuation rating of 6 / 10 to ESSENT GROUP LTD (ESNT). This can be considered as Fairly Valued.


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 9.34 and the Price/Book (PB) ratio is 1.08.


Is the dividend of ESSENT GROUP LTD sustainable?

The dividend rating of ESSENT GROUP LTD (ESNT) is 5 / 10 and the dividend payout ratio is 17.35%.