ESSENT GROUP LTD (ESNT) Fundamental Analysis & Valuation

NYSE:ESNT • BMG3198U1027

Current stock price

61.06 USD
+0.55 (+0.91%)
At close:
61.06 USD
0 (0%)
After Hours:

This ESNT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. ESNT Profitability Analysis

1.1 Basic Checks

  • ESNT had positive earnings in the past year.
  • ESNT had a positive operating cash flow in the past year.
  • Each year in the past 5 years ESNT has 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 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • With an excellent Return On Assets value of 9.27%, ESNT belongs to the best of the industry, outperforming 86.87% of the companies in the same industry.
  • With a decent Return On Equity value of 11.99%, ESNT is doing good in the industry, outperforming 61.62% of the companies in the same industry.
  • ESNT has a Return On Invested Capital of 9.96%. This is amongst the best in the industry. ESNT outperforms 82.83% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ESNT is above the industry average of 8.00%.
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

  • With an excellent Profit Margin value of 54.72%, ESNT belongs to the best of the industry, outperforming 93.94% 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 92.93% of its industry peers.
  • ESNT's Operating Margin has improved in the last couple of years.
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

  • ESNT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • ESNT has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ESNT has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ESNT has an improved debt to assets ratio.
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

  • ESNT has an Altman-Z score of 3.62. This indicates that ESNT is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of ESNT (3.62) is better than 84.85% of its industry peers.
  • ESNT has a debt to FCF ratio of 0.58. This is a very positive value and a sign of high solvency as it would only need 0.58 years to pay back of all of its debts.
  • ESNT has a better Debt to FCF ratio (0.58) than 85.86% of its industry peers.
  • 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 better Debt to Equity ratio (0.09) than 76.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.58
Altman-Z 3.62
ROIC/WACC1.15
WACC8.66%
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 84.85% of its industry peers.
  • A Quick Ratio of 2.77 indicates that ESNT has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.77, ESNT belongs to the top of the industry, outperforming 84.85% 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.
  • ESNT shows a small growth in Revenue. In the last year, the Revenue has grown by 1.45%.
  • 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 6.28% on average per year.
  • Based on estimates for the next years, ESNT will show a small growth in Revenue. The Revenue will grow by 1.43% on average per year.
EPS Next Y5.52%
EPS Next 2Y6.25%
EPS Next 3Y6.28%
EPS Next 5YN/A
Revenue Next Year-2.18%
Revenue Next 2Y0.47%
Revenue Next 3Y1.43%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2028 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 8

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7

4. ESNT Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.86, the valuation of ESNT can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of ESNT indicates a somewhat cheap valuation: ESNT is cheaper than 64.65% of the companies listed in the same industry.
  • ESNT is valuated cheaply when we compare the Price/Earnings ratio to 27.18, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.40, which indicates a very decent valuation of ESNT.
  • Based on the Price/Forward Earnings ratio, ESNT is valued a bit cheaper than 69.70% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.96. ESNT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.86
Fwd PE 8.4
ESNT Price Earnings VS Forward Price EarningsESNT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 78.79% of the companies in the same industry are more expensive than ESNT, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, ESNT is valued cheaper than 85.86% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.76
EV/EBITDA 7.05
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.
  • ESNT has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)1.61
PEG (5Y)0.73
EPS Next 2Y6.25%
EPS Next 3Y6.28%

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

6

5. ESNT Dividend Analysis

5.1 Amount

  • ESNT has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 1.86, ESNT pays a bit more dividend than its industry peers.
  • ESNT's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.28%

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.
  • As ESNT did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)13.09%
Div Incr Years6
Div Non Decr Years6
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

  • 17.69% 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.
DP17.69%
EPS Next 2Y6.25%
EPS Next 3Y6.28%
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 (4/13/2026, 8:23:15 PM)

After market: 61.06 0 (0%)

61.06

+0.55 (+0.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13
Earnings (Next)05-01
Inst Owners98.8%
Inst Owner Change-0.02%
Ins Owners3.71%
Ins Owner Change1.27%
Market Cap5.74B
Revenue(TTM)1.26B
Net Income(TTM)689.97M
Analysts75.38
Price Target69.58 (13.95%)
Short Float %1.94%
Short Ratio2.23
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend1.22
Dividend Growth(5Y)13.09%
DP17.69%
Div Incr Years6
Div Non Decr Years6
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)-0.83%
PT rev (3m)1.06%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)-3.25%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-2.79%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)-3.81%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)-3.97%
Valuation
Industry RankSector Rank
PE 8.86
Fwd PE 8.4
P/S 4.55
P/FCF 6.76
P/OCF 6.71
P/B 1
P/tB 1.01
EV/EBITDA 7.05
EPS(TTM)6.89
EY11.28%
EPS(NY)7.27
Fwd EY11.91%
FCF(TTM)9.03
FCFY14.78%
OCF(TTM)9.11
OCFY14.91%
SpS13.41
BVpS61.24
TBVpS60.4
PEG (NY)1.61
PEG (5Y)0.73
Graham Number97.43
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 3.62
F-Score6
WACC8.66%
ROIC/WACC1.15
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 Y5.52%
EPS Next 2Y6.25%
EPS Next 3Y6.28%
EPS Next 5YN/A
Revenue 1Y (TTM)1.45%
Revenue growth 3Y8.01%
Revenue growth 5Y5.71%
Sales Q2Q%-0.83%
Revenue Next Year-2.18%
Revenue Next 2Y0.47%
Revenue Next 3Y1.43%
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 Fundamental Analysis 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.


How profitable is ESSENT GROUP LTD (ESNT) stock?

ESSENT GROUP LTD (ESNT) has a profitability rating of 7 / 10.


Can you provide the financial health for ESNT stock?

The financial health rating of ESSENT GROUP LTD (ESNT) is 9 / 10.


Can you provide the dividend sustainability for ESNT stock?

The dividend rating of ESSENT GROUP LTD (ESNT) is 6 / 10 and the dividend payout ratio is 17.69%.