ESSENT GROUP LTD (ESNT) Fundamental Analysis & Valuation

NYSE:ESNT • BMG3198U1027

57.92 USD
+0.58 (+1.01%)
Last: Mar 13, 2026, 11:25 AM
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This ESNT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to ESNT. ESNT was compared to 98 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 has a bad growth rate and is valued cheaply. With these ratings, ESNT could be worth investigating further for value investing!.


Dividend Valuation Growth Profitability Health

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.
  • ESNT had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of ESNT (9.27%) is better than 86.73% of its industry peers.
  • 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 better Return On Invested Capital (9.96%) than 82.65% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ESNT 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

  • Looking at the Profit Margin, with a value of 54.72%, ESNT belongs to the top of the industry, outperforming 93.88% of the companies in the same industry.
  • In the last couple of years the Profit Margin of ESNT has grown nicely.
  • ESNT's Operating Margin of 67.77% is amongst the best of the industry. ESNT outperforms 92.86% of its industry peers.
  • 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

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. ESNT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ESNT 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 less shares outstanding
  • 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 Altman-Z score of 3.53. This is amongst the best in the industry. ESNT outperforms 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's Debt to FCF ratio of 0.58 is amongst the best of the industry. ESNT outperforms 83.67% of its industry peers.
  • A Debt/Equity ratio of 0.09 indicates that ESNT is not too dependend on debt financing.
  • ESNT has a better Debt to Equity ratio (0.09) than 75.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.58
Altman-Z 3.53
ROIC/WACC1.16
WACC8.56%
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.
  • The Current ratio of ESNT (2.77) is better 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.
  • With an excellent Quick ratio value of 2.77, ESNT belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
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

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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.
  • 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 2.48% on average over the next years.
  • The Revenue is expected to grow by 0.35% on average over the next years.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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 2028 2 4 6

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7

4. ESNT Valuation Analysis

4.1 Price/Earnings Ratio

  • ESNT is valuated reasonably with a Price/Earnings ratio of 8.41.
  • Compared to the rest of the industry, the Price/Earnings ratio of ESNT indicates a somewhat cheap valuation: ESNT is cheaper than 66.33% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.71. ESNT is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 7.96, the valuation of ESNT can be described as very cheap.
  • ESNT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ESNT is cheaper than 67.35% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ESNT to the average of the S&P500 Index (23.82), we can say ESNT is valued rather cheaply.
Industry RankSector Rank
PE 8.41
Fwd PE 7.96
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ESNT indicates a rather cheap valuation: ESNT is cheaper than 81.63% 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 87.76% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.45
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

  • ESNT's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of ESNT may justify a higher PE ratio.
PEG (NY)1.49
PEG (5Y)0.69
EPS Next 2Y6.58%
EPS Next 3Y2.48%

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

6

5. ESNT Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.35%, ESNT has a reasonable but not impressive dividend return.
  • ESNT's Dividend Yield is a higher than the industry average which is at 2.34.
  • Compared to an average S&P500 Dividend Yield of 1.82, ESNT pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.35%

5.2 History

  • The dividend of ESNT is nicely growing with an annual growth rate of 13.09%!
  • 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

  • ESNT pays out 17.69% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of ESNT is growing, but the earnings are growing slower. 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

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ESNT Fundamentals: All Metrics, Ratios and Statistics

ESSENT GROUP LTD

NYSE:ESNT (3/13/2026, 11:25:06 AM)

57.92

+0.58 (+1.01%)

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 Cap5.48B
Revenue(TTM)1.26B
Net Income(TTM)689.97M
Analysts75.38
Price Target70.16 (21.13%)
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 8.41
Fwd PE 7.96
P/S 4.34
P/FCF 6.45
P/OCF 6.4
P/B 0.95
P/tB 0.96
EV/EBITDA 6.78
EPS(TTM)6.89
EY11.9%
EPS(NY)7.28
Fwd EY12.57%
FCF(TTM)8.98
FCFY15.5%
OCF(TTM)9.05
OCFY15.63%
SpS13.34
BVpS60.89
TBVpS60.07
PEG (NY)1.49
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
WACC8.56%
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 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 8.41 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%.