ESSENT GROUP LTD (ESNT) Stock Fundamental Analysis
NYSE:ESNT • BMG3198U1027
62.19 USD
+0.77 (+1.25%)
At close: Feb 17, 2026
62.19 USD
0 (0%)
After Hours: 2/17/2026, 8:12:03 PM
Overall ESNT gets a fundamental rating of 7 out of 10. We evaluated ESNT against 97 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 could make ESNT a good candidate 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.
- Of the past 5 years ESNT 4 years had a positive operating cash flow.
1.2 Ratios
- ESNT has a better Return On Assets (9.56%) than 86.60% of its industry peers.
- The Return On Equity of ESNT (12.25%) is better than 67.01% of its industry peers.
- ESNT has a Return On Invested Capital of 10.21%. This is amongst the best in the industry. ESNT outperforms 83.51% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for ESNT 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
- Looking at the Profit Margin, with a value of 55.63%, ESNT belongs to the top 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.
- ESNT's Operating Margin of 68.46% is amongst the best of the industry. ESNT outperforms 92.78% 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ESNT is still 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.
- The debt/assets ratio for ESNT has been reduced compared to a year ago.
2.2 Solvency
- ESNT has an Altman-Z score of 3.80. This indicates that ESNT is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 3.80, ESNT belongs to the top of the industry, outperforming 85.57% 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.
- ESNT has a better Debt to FCF ratio (0.59) than 83.51% of its industry peers.
- A Debt/Equity ratio of 0.09 indicates that ESNT is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.09, ESNT is in the better half of the industry, outperforming 74.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.09 | ||
| Debt/FCF | 0.59 | ||
| Altman-Z | 3.8 |
ROIC/WACC1.23
WACC8.29%
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 81.44% of its industry peers.
- A Quick Ratio of 2.63 indicates that ESNT has no problem at all paying its short term obligations.
- ESNT has a better Quick ratio (2.63) than 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.63 | ||
| Quick Ratio | 2.63 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 0.73% over the past year.
- 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
- The Earnings Per Share is expected to grow by 7.46% 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 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
- 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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.03 indicates a reasonable valuation of ESNT.
- Compared to the rest of the industry, the Price/Earnings ratio of ESNT indicates a somewhat cheap valuation: ESNT is cheaper than 65.98% of the companies listed in the same industry.
- ESNT is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 8.35, the valuation of ESNT can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, ESNT is valued a bit cheaper than 67.01% of the companies in the same industry.
- ESNT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.03 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, ESNT is valued cheaply inside the industry as 80.41% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of ESNT indicates a rather cheap valuation: ESNT is cheaper than 86.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.19 | ||
| EV/EBITDA | 7.29 |
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)1.12
PEG (5Y)0.74
EPS Next 2Y7.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.28%, ESNT has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.23, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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.
- 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
5.3 Sustainability
- 17.35% of the earnings are spent on dividend by ESNT. This is a low number and sustainable payout ratio.
- ESNT's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP17.35%
EPS Next 2Y7.46%
EPS Next 3YN/A
62.19
+0.77 (+1.25%)
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 Cap6.01B
Revenue(TTM)1.26B
Net Income(TTM)702.89M
Analysts75.38
Price Target70.38 (13.17%)
Short Float %1.85%
Short Ratio2.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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 | 9.03 | ||
| Fwd PE | 8.35 | ||
| P/S | 4.76 | ||
| P/FCF | 7.19 | ||
| P/OCF | 7.04 | ||
| P/B | 1.05 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | 7.29 |
EPS(TTM)6.89
EY11.08%
EPS(NY)7.45
Fwd EY11.97%
FCF(TTM)8.66
FCFY13.92%
OCF(TTM)8.83
OCFY14.2%
SpS13.07
BVpS59.37
TBVpS58.55
PEG (NY)1.12
PEG (5Y)0.74
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 | 3.8 |
F-Score5
WACC8.29%
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 9.03 and the Price/Book (PB) ratio is 1.05.
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%.