ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis

NYSE:ESNT • BMG3198U1027

61.42 USD
-4.22 (-6.43%)
At close: Feb 13, 2026
61.75 USD
+0.33 (+0.54%)
After Hours: 2/13/2026, 8:05:34 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to ESNT. ESNT was compared to 96 industry peers in the Financial Services industry. ESNT has an excellent financial health rating, but there are some minor concerns on its profitability. ESNT has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

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.
  • Of the past 5 years ESNT 4 years were profitable.
  • ESNT had a positive operating cash flow in 4 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 200M 400M 600M 800M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 9.56%, ESNT belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
  • ESNT's Return On Equity of 12.25% is fine compared to the rest of the industry. ESNT outperforms 66.67% of its industry peers.
  • The Return On Invested Capital of ESNT (10.25%) is better than 83.33% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ESNT is above the industry average of 8.59%.
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROIC 10.25%
ROA(3y)11.87%
ROA(5y)11.09%
ROE(3y)15.1%
ROE(5y)14.42%
ROIC(3y)12.56%
ROIC(5y)11.7%
ESNT Yearly ROA, ROE, ROICESNT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ESNT has a better Profit Margin (55.63%) than 94.79% of its industry peers.
  • In the last couple of years the Profit Margin of ESNT has declined.
  • ESNT has a Operating Margin of 68.46%. This is amongst the best in the industry. ESNT outperforms 92.71% of its industry peers.
  • In the last couple of years the Operating Margin of ESNT has remained more or less at the same level.
Industry RankSector Rank
OM 68.46%
PM (TTM) 55.63%
GM N/A
OM growth 3Y-3.9%
OM growth 5Y-1.46%
PM growth 3Y-3.98%
PM growth 5Y-1.73%
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 20 40 60 80 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ESNT is creating some value.
  • ESNT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ESNT Yearly Shares OutstandingESNT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2B 4B 6B

2.2 Solvency

  • An Altman-Z score of 3.95 indicates that ESNT is not in any danger for bankruptcy at the moment.
  • ESNT's Altman-Z score of 3.95 is amongst the best of the industry. ESNT outperforms 88.54% of its industry peers.
  • ESNT has a debt to FCF ratio of 0.59. This is a very positive value and a sign of high solvency as it would only need 0.59 years to pay back of all of its debts.
  • The Debt to FCF ratio of ESNT (0.59) is better than 84.38% 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 76.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.59
Altman-Z 3.95
ROIC/WACC1.23
WACC8.31%
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 1B 2B 3B 4B 5B

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 81.25% of its industry peers.
  • A Quick Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
  • ESNT's Quick ratio of 2.63 is amongst the best of the industry. ESNT outperforms 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 2.63
Quick Ratio 2.63
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 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • ESNT shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.43%.
  • The Earnings Per Share has been growing slightly by 3.90% on average over the past years.
  • ESNT shows a small growth in Revenue. In the last year, the Revenue has grown by 3.13%.
  • The Revenue has been growing slightly by 7.45% on average over the past years.
EPS 1Y (TTM)-0.43%
EPS 3Y3.83%
EPS 5Y3.9%
EPS Q2Q%1.21%
Revenue 1Y (TTM)3.13%
Revenue growth 3Y6.52%
Revenue growth 5Y7.45%
Sales Q2Q%-1.5%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.17% 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 1.96% on average per year.
EPS Next Y4.23%
EPS Next 2Y4.34%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue Next Year1.5%
Revenue Next 2Y1.37%
Revenue Next 3Y1.96%
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 accelerating.
  • 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 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 2 4 6

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.94, the valuation of ESNT can be described as very reasonable.
  • Based on the Price/Earnings ratio, ESNT is valued a bit cheaper than 61.46% of the companies in the same industry.
  • ESNT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
  • A Price/Forward Earnings ratio of 8.25 indicates a reasonable valuation of ESNT.
  • Based on the Price/Forward Earnings ratio, ESNT is valued a bit cheaper than the industry average as 61.46% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of ESNT to the average of the S&P500 Index (27.96), we can say ESNT is valued rather cheaply.
Industry RankSector Rank
PE 8.94
Fwd PE 8.25
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 somewhat cheap valuation: ESNT is cheaper than 75.00% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, ESNT is valued cheaper than 83.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.1
EV/EBITDA 7.75
ESNT Per share dataESNT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40 50

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ESNT does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of ESNT may justify a higher PE ratio.
PEG (NY)2.12
PEG (5Y)2.29
EPS Next 2Y4.34%
EPS Next 3Y5.17%

More info and screens

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

5

5. Dividend

5.1 Amount

  • ESNT has a Yearly Dividend Yield of 1.89%. 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 2.21.
  • ESNT's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 1.89%

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.
  • 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
ESNT Yearly Dividends per shareESNT Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

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 2Y4.34%
EPS Next 3Y5.17%
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 200M 400M 600M 800M
ESNT Dividend Payout.ESNT Dividend Payout, showing the Payout Ratio.ESNT Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

ESSENT GROUP LTD

NYSE:ESNT (2/13/2026, 8:05:34 PM)

After market: 61.75 +0.33 (+0.54%)

61.42

-4.22 (-6.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-13
Earnings (Next)05-04
Inst Owners98.17%
Inst Owner Change-2.52%
Ins Owners3.55%
Ins Owner Change-1.42%
Market Cap5.94B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (14.59%)
Short Float %2.13%
Short Ratio2.92
Dividend
Industry RankSector Rank
Dividend Yield 1.89%
Yearly Dividend1.12
Dividend Growth(5Y)30.2%
DP17.35%
Div Incr Years5
Div Non Decr Years5
Ex-DateN/A
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)0.06%
EPS NQ rev (3m)-2.27%
EPS NY rev (1m)-0.21%
EPS NY rev (3m)-2.2%
Revenue NQ rev (1m)-1.19%
Revenue NQ rev (3m)-1.6%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)-0.62%
Valuation
Industry RankSector Rank
PE 8.94
Fwd PE 8.25
P/S 4.7
P/FCF 7.1
P/OCF 6.96
P/B 1.03
P/tB 1.05
EV/EBITDA 7.75
EPS(TTM)6.87
EY11.19%
EPS(NY)7.45
Fwd EY12.12%
FCF(TTM)8.66
FCFY14.09%
OCF(TTM)8.83
OCFY14.38%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)2.12
PEG (5Y)2.29
Graham Number95.79
Profitability
Industry RankSector Rank
ROA 9.56%
ROE 12.25%
ROCE 12.07%
ROIC 10.25%
ROICexc 10.39%
ROICexgc 10.68%
OM 68.46%
PM (TTM) 55.63%
GM N/A
FCFM 66.22%
ROA(3y)11.87%
ROA(5y)11.09%
ROE(3y)15.1%
ROE(5y)14.42%
ROIC(3y)12.56%
ROIC(5y)11.7%
ROICexc(3y)12.79%
ROICexc(5y)11.91%
ROICexgc(3y)13.14%
ROICexgc(5y)12.18%
ROCE(3y)14.78%
ROCE(5y)13.78%
ROICexgc growth 3Y-3.89%
ROICexgc growth 5Y-5.69%
ROICexc growth 3Y-4.41%
ROICexc growth 5Y-6.08%
OM growth 3Y-3.9%
OM growth 5Y-1.46%
PM growth 3Y-3.98%
PM growth 5Y-1.73%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.17
Health
Industry RankSector 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 3.95
F-Score5
WACC8.31%
ROIC/WACC1.23
Cap/Depr(3y)170.57%
Cap/Depr(5y)131.59%
Cap/Sales(3y)0.7%
Cap/Sales(5y)0.52%
Profit Quality(3y)98.38%
Profit Quality(5y)114.9%
High Growth Momentum
Growth
EPS 1Y (TTM)-0.43%
EPS 3Y3.83%
EPS 5Y3.9%
EPS Q2Q%1.21%
EPS Next Y4.23%
EPS Next 2Y4.34%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue 1Y (TTM)3.13%
Revenue growth 3Y6.52%
Revenue growth 5Y7.45%
Sales Q2Q%-1.5%
Revenue Next Year1.5%
Revenue Next 2Y1.37%
Revenue Next 3Y1.96%
Revenue Next 5YN/A
EBIT growth 1Y-3.75%
EBIT growth 3Y2.36%
EBIT growth 5Y5.89%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y16.78%
FCF growth 3Y6.12%
FCF growth 5Y7.57%
OCF growth 1Y18.6%
OCF growth 3Y6.7%
OCF growth 5Y7.87%

ESSENT GROUP LTD / ESNT FAQ

What is the ChartMill fundamental rating of ESSENT GROUP LTD (ESNT) stock?

ChartMill assigns a fundamental rating of 6 / 10 to ESNT.


Can you provide the valuation status for ESSENT GROUP LTD?

ChartMill assigns a valuation rating of 6 / 10 to ESSENT GROUP LTD (ESNT). This can be considered as Fairly Valued.


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 8.94 and the Price/Book (PB) ratio is 1.03.


Is the dividend of ESSENT GROUP LTD sustainable?

The dividend rating of ESSENT GROUP LTD (ESNT) is 5 / 10 and the dividend payout ratio is 17.35%.