ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis
NYSE:ESNT • BMG3198U1027
60.36 USD
+0.14 (+0.23%)
At close: Feb 20, 2026
60.36 USD
0 (0%)
After Hours: 2/20/2026, 8:04:00 PM
Taking everything into account, ESNT scores 7 out of 10 in our fundamental rating. 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 is cheap, but on the other hand it scores bad on growth. These ratings would make ESNT suitable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year ESNT was profitable.
- In the past year ESNT had a positive cash flow from operations.
- Each year in the past 5 years ESNT has been profitable.
- Of the past 5 years ESNT 4 years had a positive operating cash flow.
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.
- Looking at the Return On Equity, with a value of 12.25%, ESNT is in the better half of the industry, outperforming 67.01% of the companies in the same industry.
- ESNT has a better Return On Invested Capital (10.21%) than 83.51% 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 8.38%.
| 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
- 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.
- The Operating Margin of ESNT (68.46%) is better than 92.78% of its industry peers.
- 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ESNT is still 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.
- Compared to 1 year ago, ESNT has an improved debt to assets ratio.
2.2 Solvency
- ESNT has an Altman-Z score of 3.75. This indicates that ESNT is financially healthy and has little risk of bankruptcy at the moment.
- ESNT's Altman-Z score of 3.75 is amongst the best of the industry. ESNT outperforms 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.
- Looking at the Debt to FCF ratio, with a value of 0.59, ESNT belongs to the top of the industry, outperforming 83.51% of the companies in the same industry.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | 3.75 |
ROIC/WACC1.23
WACC8.32%
2.3 Liquidity
- A Current Ratio of 2.63 indicates that ESNT has no problem at all paying 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's Quick ratio of 2.63 is amongst the best of the industry. ESNT outperforms 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.63 | ||
| Quick Ratio | 2.63 |
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%.
- ESNT shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.17% yearly.
- Looking at the last year, ESNT shows a small growth in Revenue. The Revenue has grown by 1.45% in the last 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
- Based on estimates for the next years, ESNT will show a small growth in Earnings Per Share. The EPS will grow by 7.46% on average per year.
- 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 8.76, the valuation of ESNT can be described as very reasonable.
- 67.01% of the companies in the same industry are more expensive than ESNT, based on the Price/Earnings ratio.
- ESNT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
- Based on the Price/Forward Earnings ratio of 8.11, the valuation of ESNT can be described as reasonable.
- ESNT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ESNT is cheaper than 67.01% of the companies in the same industry.
- ESNT is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.76 | ||
| Fwd PE | 8.11 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ESNT is valued cheaper than 81.44% of the companies in the same industry.
- 86.60% of the companies in the same industry are more expensive than ESNT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.97 | ||
| EV/EBITDA | 7.15 |
4.3 Compensation for Growth
- The 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)1.09
PEG (5Y)0.72
EPS Next 2Y7.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ESNT has a Yearly Dividend Yield of 2.32%. 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 2.16.
- Compared to an average S&P500 Dividend Yield of 1.81, ESNT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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
5.3 Sustainability
- ESNT pays out 17.35% 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.
DP17.35%
EPS Next 2Y7.46%
EPS Next 3YN/A
60.36
+0.14 (+0.23%)
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 Cap5.84B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (16.6%)
Short Float %1.85%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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 | 8.76 | ||
| Fwd PE | 8.11 | ||
| P/S | 4.62 | ||
| P/FCF | 6.97 | ||
| P/OCF | 6.84 | ||
| P/B | 1.02 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 7.15 |
EPS(TTM)6.89
EY11.41%
EPS(NY)7.45
Fwd EY12.34%
FCF(TTM)8.66
FCFY14.34%
OCF(TTM)8.83
OCFY14.63%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)1.09
PEG (5Y)0.72
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 | 3.75 |
F-Score5
WACC8.32%
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 8.76 and the Price/Book (PB) ratio is 1.02.
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%.