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ESNTEssent Group Ltd.
$64.85$6.0B
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ESNT logoEssent Group Ltd.(ESNT)Earnings, Financials & Key Ratios

ESNT•NYSE•Insurance & Managed Care
$64.52
9.4× P/E·Price updated Jul 2, 2026
SectorFinancial ServicesIndustrySpecialty InsuranceSub-IndustryMortgage and Title Insurance
AboutEssent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.Show more
  • Revenue$1.26B-0.5%
  • Combined Ratio34.82%+7.2%
  • Net Income$690M-5.4%
  • Return on Equity12.15%-10.9%
  • Medical Cost Ratio11.84%+84.8%
  • Operating Margin65.18%-3.5%
  • Net Margin54.72%-4.9%
  • ROA9.48%-12.0%
  • Equity / Assets77.36%-1.8%

ESNT Price & Volume

Essent Group Ltd. (ESNT) stock price & volume — 10-year historical chart

Loading chart...

Resilient Underwriting Margins Offset Cyclical Volume Headwinds

Investment Thesis • Updated 2026Q1

VerdictPositive: The stock offers an attractive valuation with a 0.76 PEG ratio and a 1.9% dividend yield
Growth:Mixed
Profitability:Strong
Financial:Fortress
Cash Flow:Robust
Primary Risk:U.S. housing credit concentration

Key Thesis Takeaways

  • Essent Group demonstrates structural underwriting resilience, maintaining a 37.3% combined ratio as of 2026Q1 despite significant cyclical pressure on mortgage originations.
  • While revenue growth has decelerated to 1.7% from 29.2% in 2023Q4, the company's fortress balance sheet, characterized by a 0.09 debt-to-equity ratio, provides substantial protection against housing market volatility.
  • Investors should monitor the sensitivity of loss ratios, which peaked at 17.9% in 2025Q4, as the firm balances aggressive capital returns, such as the $461.5M buyback in 2025Q4, against potential macroeconomic credit risks.

Verdict Logic

suggesting that the market may be underpricing the firm's ability to maintain underwriting discipline through the current housing cycle.

ESNT Growth Metrics

Essent Group Ltd. (ESNT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.57%
5 Years5.71%
3 Years7.38%
TTM-0.91%

Profit CAGR

10 Years15.93%
5 Years10.81%
3 Years-6.02%
TTM-5.09%

EPS CAGR

10 Years14.9%
5 Years12.2%
3 Years-3.67%
TTM2.78%

Return on Capital

10 Years17.52%
5 Years15.12%
3 Years13.6%
Last Year13.5%

ESNT Recent Earnings

Essent Group Ltd. (ESNT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 6/12 qtrs (50%)
Q2 2026Latest
May 8, 2026
Metric
Actual
Est
EPS
$1.82+4.0%
$1.75
Rev
$336M+12.9%
$298M
Q1 2026
Feb 13, 2026
Metric
Actual
Est
EPS
$1.60-8.0%
$1.74
Rev
$312M-0.1%
$313M
Q4 2025
Nov 7, 2025
Metric
Actual
Est
EPS
$1.67-5.6%
$1.77
Rev
$319M+1.0%
$316M
Q3 2025
Aug 8, 2025
Metric
Actual
Est
EPS
$1.93+14.9%
$1.68
Rev
$319M-1.2%
$323M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 8, 2026
$1.82vs $1.75+4.0%
$336Mvs $298M+12.9%
Q1 2026Feb 13, 2026
$1.60vs $1.74-8.0%
$312Mvs $313M-0.1%
Q4 2025Nov 7, 2025
$1.67vs $1.77-5.6%
$319Mvs $316M+1.0%
Q3 2025Aug 8, 2025
$1.93vs $1.68+14.9%
$319Mvs $323M-1.2%
Based on last 12 quarters of dataView full earnings history →

Latest ESNT News

Recent stock market news and headlines for Essent Group Ltd. (ESNT)

Zacks Investment Research·5 days ago
5 P&C Insurers to Buy as Industry Sees Digitalization, Exposure Growth

Zacks Property and Casualty Insurance players like THG, ESNT, MCY, SIGI and SKWD are likely to benefit from digitalization and catastrophes that drive policy renewal rate and pricing.

Zacks Investment Research·Jun 25, 2026
Why Essent Group (ESNT) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Essent Group (ESNT) have what it takes?

Zacks Investment Research·Jun 17, 2026
ESNT vs. CINF: Which Stock Is the Better Value Option?

Investors with an interest in Insurance - Property and Casualty stocks have likely encountered both Essent Group (ESNT) and Cincinnati Financial (CINF). But which of these two stocks presents investors with the better value opportunity right now?

Peers Comparison

Key metrics vs top competitors for Essent Group Ltd. (ESNT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ESNT logoESNTEssent Group Ltd.Current
$64.52$5.95B9.35-0.49%54.72%12.15%1.89%
MTG logoMTGMGIC Investment Corporation
$28.13$5.95B8.960.49%59.63%14%—
RDN logoRDNRadian Group Inc.
$37.72$5.14B9.11-3.36%40.28%12.01%—
NMIH logoNMIHNMI Holdings, Inc.
$41.00$3.11B8.338.39%53.84%0.06%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$84.83$4.43B9.12173.81%14.31%12.02%—
ACT logoACTEnact Holdings, Inc.
$45.39$6.41B10.042.37%54.55%12.74%—

Compare ESNT vs Peers

Essent Group Ltd. (ESNT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MTG

Most directly comparable listed peer for ESNT.

Scale Benchmark

vs RKT

Larger-name benchmark to compare ESNT against a more recognizable public peer.

Peer Set

Compare Top 5

vs MTG, RDN, NMIH, PFSI

ESNT SEC Filings & Documents

Essent Group Ltd. (ESNT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 8, 2026·SEC

Material company update

Feb 13, 2026·SEC

Material company update

Nov 7, 2025·SEC

10-K Annual Reports

2
FY 2026

Feb 18, 2026·SEC

FY 2025

Feb 19, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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ESNT Frequently Asked Questions

Essent Group Ltd. (ESNT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Essent Group Ltd. growing?

Essent Group Ltd. (ESNT) saw revenue decline by 0.5% over the past year.

Is ESNT profitable?

Yes, Essent Group Ltd. (ESNT) is profitable, generating $686.3M in net income for fiscal year 2025 (54.7% net margin).

Dividend & Returns
Does ESNT pay dividends?

Yes, Essent Group Ltd. (ESNT) pays a dividend with a yield of 1.89%. This makes it attractive for income-focused investors.

What is ESNT's return on equity?

Essent Group Ltd. (ESNT) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics
What is Essent Group Ltd.'s combined ratio?

Essent Group Ltd. (ESNT) has a combined ratio of 34.8%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ESNT back in 2011?

Total return calculator · dividends reinvested · 15+ years of data

See returns →