ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis
NYSE:ESNT • BMG3198U1027
60.45 USD
+0.87 (+1.46%)
At close: Feb 25, 2026
60.45 USD
0 (0%)
After Hours: 2/25/2026, 8:04:00 PM
We assign a fundamental rating of 7 out of 10 to ESNT. ESNT was compared to 98 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 has a bad growth rate and is valued cheaply. With these ratings, ESNT could be worth investigating further for value investing!.
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.
- Each year in the past 5 years ESNT has been profitable.
- ESNT had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 9.56%, ESNT belongs to the best of the industry, outperforming 86.73% of the companies in the same industry.
- The Return On Equity of ESNT (12.25%) is better than 67.35% of its industry peers.
- ESNT has a Return On Invested Capital of 10.21%. This is amongst the best in the industry. ESNT outperforms 83.67% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for ESNT is above the industry average of 8.40%.
| 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's Profit Margin of 55.63% is amongst the best of the industry. ESNT outperforms 93.88% of its industry peers.
- ESNT's Profit Margin has improved in the last couple of years.
- ESNT has a better Operating Margin (68.46%) than 92.86% of its industry peers.
- ESNT's Operating Margin has improved in the last couple of years.
| 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.
- 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.
2.2 Solvency
- An Altman-Z score of 3.73 indicates that ESNT is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 3.73, ESNT belongs to the top of the industry, outperforming 84.69% 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.
- With an excellent Debt to FCF ratio value of 0.59, ESNT belongs to the best of the industry, outperforming 83.67% 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.
- ESNT has a Debt to Equity ratio of 0.09. This is in the better half of the industry: ESNT outperforms 75.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | 3.73 |
ROIC/WACC1.23
WACC8.28%
2.3 Liquidity
- A Current Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
- The Current ratio of ESNT (2.63) is better than 81.63% 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.
- With an excellent Quick ratio value of 2.63, ESNT belongs to the best of the industry, outperforming 81.63% of the companies in the same industry.
| 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%.
- The Earnings Per Share has been growing by 12.17% on average over the past years. This is quite good.
- Looking at the last year, ESNT shows a small growth in Revenue. The Revenue has grown by 1.45% in the last year.
- ESNT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.71% yearly.
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.
- The Revenue is expected to grow by 2.19% on average over the next years.
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 8.77, the valuation of ESNT can be described as very reasonable.
- Based on the Price/Earnings ratio, ESNT is valued a bit cheaper than 68.37% of the companies in the same industry.
- ESNT is valuated cheaply when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 8.12, which indicates a very decent valuation of ESNT.
- ESNT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ESNT is cheaper than 69.39% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of ESNT to the average of the S&P500 Index (28.03), we can say ESNT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.77 | ||
| Fwd PE | 8.12 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ESNT is valued cheaper than 81.63% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, ESNT is valued cheaply inside the industry as 87.76% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| EV/EBITDA | 7.08 |
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)1.09
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 2.23.
- Compared to an average S&P500 Dividend Yield of 1.80, ESNT pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.32% |
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
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 2Y7.46%
EPS Next 3YN/A
60.45
+0.87 (+1.46%)
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-1.98%
Ins Owners3.55%
Ins Owner Change3.63%
Market Cap5.84B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (16.43%)
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)0.21%
PT rev (3m)2.6%
EPS NQ rev (1m)0.58%
EPS NQ rev (3m)0.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.06%
Revenue NQ rev (1m)0.06%
Revenue NQ rev (3m)-1.19%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)-0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.77 | ||
| Fwd PE | 8.12 | ||
| P/S | 4.62 | ||
| P/FCF | 6.98 | ||
| P/OCF | 6.85 | ||
| P/B | 1.02 | ||
| P/tB | 1.03 | ||
| EV/EBITDA | 7.08 |
EPS(TTM)6.89
EY11.4%
EPS(NY)7.45
Fwd EY12.32%
FCF(TTM)8.66
FCFY14.32%
OCF(TTM)8.83
OCFY14.61%
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 | 3.73 |
F-Score5
WACC8.28%
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 8.77 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%.