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Essent Group Ltd.

Data quality: 100%
ESNT
NYSE Financial Services Insurance - Specialty
$57.67
▲ $0.51 (0.89%)
Mkt Cap: 5.57B
Day Range
$57.53 $58.67
52-Week Range
$51.61 $67.09
Volume
780,239
50D / 200D Avg
$61.19 / $61.22
Prev Close
$57.16

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 8.1 10.3
P/B 1.0 1.1
ROE % 12.2 11.7
Net Margin % 54.7 16.8
Rev Growth 5Y % 5.2 11.7
D/E 0.1 0.5

Key Takeaways

Revenue grew 5.23% annually over 5 years — modest growth
ROE of 12.15% — decent returns on equity
Net margin of 54.72% shows strong profitability
Debt/Equity of 0.10 — conservative balance sheet
Generating 848.69M in free cash flow
P/E of 8.08 — trading at a low valuation

Growth

Revenue Growth (5Y)
5.23%
Revenue (1Y)-0.49%
Earnings (1Y)-5.41%
FCF Growth (3Y)5.74%

Quality

Return on Equity
12.15%
ROIC9.75%
Net Margin54.72%
Op. Margin65.18%

Safety

Debt / Equity
0.10
Current Ratio0.34
Interest Coverage25.14

Valuation

P/E Ratio
8.08
P/B Ratio0.97
EV/EBITDA7.32
Dividend Yield0.02%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -0.49% Revenue Growth (3Y) 5.58%
Earnings Growth (1Y) -5.41% Earnings Growth (3Y) -0.46%
Revenue Growth (5Y) 5.23% Earnings Growth (5Y) 0.30%
Profitability
Revenue (TTM) 1.26B Net Income (TTM) 689.97M
ROE 12.15% ROA 9.27%
Gross Margin 88.16% Operating Margin 65.18%
Net Margin 54.72% Free Cash Flow (TTM) 848.69M
ROIC 9.75% FCF Growth (3Y) 5.74%
Safety
Debt / Equity 0.10 Current Ratio 0.34
Interest Coverage 25.14 Dividend Yield 0.02%
Valuation
P/E Ratio 8.08 P/B Ratio 0.97
P/S Ratio 4.42 PEG Ratio 12.91
EV/EBITDA 7.32 Dividend Yield 0.02%
Market Cap 5.57B Enterprise Value 6.01B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.26B 1.27B 1.13B 1.02B 1.03B
Net Income 689.97M 729.40M 696.39M 831.35M 681.78M
EPS (Diluted) 6.90 6.85 6.50 7.72 6.11
Gross Profit 1.11B 1.19B 1.10B 1.19B 997.45M
Operating Income 821.86M 855.49M 823.00M 988.19M 822.31M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 7.44B 7.11B 6.43B 5.72B 5.72B
Total Liabilities 1.68B 1.51B 1.32B 1.26B 1.49B
Shareholders' Equity 5.76B 5.60B 5.10B 4.46B 4.24B
Total Debt 562.61M 493.96M 421.92M 420.86M 419.82M
Cash & Equivalents 123.05M 131.48M 141.79M 81.24M 81.49M
Current Assets 174.32M 0.0 205.05M 390.67M 5.09B
Current Liabilities 513.43M 0.0 500.25M 418.46M 419.82M

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
Custom Deep Value Investing (Seth Klarman)
#715 of 820
21
Value Defensive Investing (Benjamin Graham)
#356 of 708
28

Recent Activity

Entered Deep Value Investing (Seth Klarman)
Mar 24, 2026
Entered Defensive Investing (Benjamin Graham)
Mar 24, 2026