ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis
NYSE:ESNT • BMG3198U1027
62.19 USD
+0.77 (+1.25%)
At close: Feb 17, 2026
62.19 USD
0 (0%)
After Hours: 2/17/2026, 8:12:03 PM
Taking everything into account, ESNT scores 7 out of 10 in our fundamental rating. ESNT was compared to 97 industry peers in the Financial Services industry. Both the health and profitability get an excellent rating, making ESNT a very profitable company, without any liquidiy or solvency issues. ESNT is valued quite cheap, but it does not seem to be growing. These ratings would make ESNT suitable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year ESNT was profitable.
- ESNT had a positive operating cash flow in the past year.
- In the past 5 years ESNT has always been profitable.
- ESNT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 9.56%, ESNT belongs to the top of the industry, outperforming 86.60% of the companies in the same industry.
- With a decent Return On Equity value of 12.25%, ESNT is doing good in the industry, outperforming 67.01% of the companies in the same industry.
- ESNT has a Return On Invested Capital of 10.21%. This is amongst the best in 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 Rank | Sector 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%
1.3 Margins
- ESNT has a better Profit Margin (55.63%) than 93.81% of its industry peers.
- In the last couple of years the Profit Margin of ESNT has grown nicely.
- With an excellent Operating Margin value of 68.46%, ESNT belongs to the best of the industry, outperforming 92.78% of the companies in the same industry.
- In the last couple of years the Operating Margin of ESNT has grown nicely.
| Industry Rank | Sector 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
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.
- ESNT has less shares outstanding than it did 5 years ago.
- ESNT has a better debt/assets ratio than last year.
2.2 Solvency
- ESNT has an Altman-Z score of 3.82. This indicates that ESNT is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of ESNT (3.82) is better than 85.57% of its industry peers.
- 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 83.51% of its industry peers.
- A Debt/Equity ratio of 0.09 indicates that ESNT is not too dependend on debt financing.
- ESNT has a Debt to Equity ratio of 0.09. This is in the better half of the industry: ESNT outperforms 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | 3.82 |
ROIC/WACC1.23
WACC8.29%
2.3 Liquidity
- A Current Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
- ESNT has a better Current ratio (2.63) than 81.44% of its industry peers.
- A Quick Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
- Looking at the Quick ratio, with a value of 2.63, ESNT belongs to the top of the industry, outperforming 81.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.63 | ||
| Quick Ratio | 2.63 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 0.73% over the past year.
- 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.
- The Revenue has been growing slightly by 1.45% in the past year.
- Measured over the past years, ESNT shows a small growth in Revenue. The Revenue has been growing by 5.71% on average per year.
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.
- Based on estimates for the next years, ESNT will show a small growth in Revenue. The Revenue will grow by 2.19% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.03, 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.
- ESNT is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 8.35, the valuation of ESNT can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ESNT indicates a somewhat cheap valuation: ESNT is cheaper than 65.98% of the companies listed in the same industry.
- ESNT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.03 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ESNT indicates a rather cheap valuation: ESNT is cheaper than 80.41% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESNT indicates a rather cheap valuation: ESNT is cheaper than 85.57% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| EV/EBITDA | 7.37 |
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)1.12
PEG (5Y)0.74
EPS Next 2Y7.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.28%, ESNT has a reasonable but not impressive dividend return.
- ESNT's Dividend Yield is a higher than the industry average which is at 2.23.
- Compared to an average S&P500 Dividend Yield of 1.82, ESNT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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.
- As ESNT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)30.2%
Div Incr Years5
Div Non Decr Years5
5.3 Sustainability
- ESNT pays out 17.35% of its income as dividend. This is a 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
62.19
+0.77 (+1.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13 2026-02-13/bmo
Earnings (Next)05-04 2026-05-04/bmo
Inst Owners98.17%
Inst Owner Change-4.09%
Ins Owners3.55%
Ins Owner Change3.63%
Market Cap6.01B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (13.17%)
Short Float %1.85%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Yearly Dividend1.12
Dividend Growth(5Y)30.2%
DP17.35%
Div Incr Years5
Div Non Decr Years5
Ex-Date03-13 2026-03-13 (0.35)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.03 | ||
| Fwd PE | 8.35 | ||
| P/S | 4.76 | ||
| P/FCF | 7.19 | ||
| P/OCF | 7.04 | ||
| P/B | 1.05 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 7.37 |
EPS(TTM)6.89
EY11.08%
EPS(NY)7.45
Fwd EY11.97%
FCF(TTM)8.66
FCFY13.92%
OCF(TTM)8.83
OCFY14.2%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)1.12
PEG (5Y)0.74
Graham Number95.93
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3.82 |
F-Score5
WACC8.29%
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 9.03 and the Price/Book (PB) ratio is 1.05.
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%.