ES
Essent Group Ltd
ESNT · NYSE · Financial Services / Insurance - Specialty
$68.21-0.59 (-0.86%)
Close Sep 15, 2026 · end-of-day
Market Stats
Previous Close$68.8
Open$68.29
Day Range$66.22 – $68.95
52-Week Range$55.06 – $70.07
Volume1.05M
Market Cap$5.78B
P/E (TTM)9.13
Forward P/E8.23
EPS$7.04
Dividend Yield2.14%
Beta0.76
50-Day Avg$67.56
200-Day Avg$63.02
Price History
Open in new tabLoading price history…
About
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.
Company Details
- Sector
- Financial Services
- Industry
- Insurance - Specialty
- CEO
- Mr. Mark Anthony Casale
- Employees
- 518
- Headquarters
- Clarendon House, Hamilton, Bermuda, HM11, USA
- Website
- https://ir.essentgroup.com
Leadership
- Mr. Mark Anthony CasaleFounder, Chairman, CEO & President · b. 1965
- Mr. David Bruce WeinstockCFO & Senior VP · b. 1966
- Ms. Mary Lourdes Gibbons J.D.Senior VP, Chief Legal Officer & Assistant Secretary · b. 1962
- Mr. Vijay Bhasin Ph.D.Chief Risk Officer & Senior VP · b. 1965
- Mr. Christopher G. CurranPresident of Essent Guaranty, Inc.
- Theodore GraySenior VP & Chief Information Officer
- Mr. Wei DingSenior Vice President of Corporate Development
- Mr. Paul C. Wollmann ARe, ARm, C.P.C.U., M.B.A.President & Chief Underwriting Officer of Essent Reinsurance Ltd · b. 1967
- Mr. William P. HigginsPresident of Essent Title Insurance Inc
Financials
Income Statement
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1.26B | $1.27B | $1.13B | $1.02B | $1.03B | $955.15M | $867.57M | $719.35M | $576.51M | $458.26M | $353.29M | $239.47M | $131.40M | $48.72M | $14.39M | $6.30M |
| Cost of Revenue | $149.34M | $81.22M | $31.54M | $-174.70M | $31.06M | $301.29M | $32.99M | $11.57M | $27.23M | $130.85M | $112.99M | $6.31M | $2.32M | $47.30M | $35.12M | - |
| Gross Profit | $1.11B | $1.19B | $1.10B | $1.19B | $997.45M | $653.86M | $834.58M | $707.78M | $549.28M | $458.26M | $353.29M | $233.16M | $129.08M | $48.72M | $14.39M | $6.30M |
| Operating Income | $821.86M | $855.49M | $823.00M | $988.19M | $822.31M | $490.10M | $659.06M | $546.70M | $398.57M | $311.88M | $228.40M | $135.93M | $58.03M | $-13.88M | $-34.45M | $-27.63M |
| EBITDA | $859.79M | $896.59M | $857.66M | $1.01B | $833.98M | $502.50M | $672.98M | $560.28M | $407.67M | $316.37M | $231.62M | $138.39M | $60.28M | $-13.88M | $-34.45M | $-27.63M |
| Net Income | $689.97M | $729.40M | $696.39M | $831.35M | $681.78M | $413.04M | $555.71M | $467.36M | $379.75M | $222.61M | $157.33M | $88.50M | $65.41M | $-13.54M | $-33.55M | $-27.57M |
| R&D | - | - | - | - | - | - | - | $0 | $0 | $0 | $0 | $0 | - | - | - | - |
| Interest Expense | $32.70M | $35.32M | $30.14M | $15.61M | $8.28M | $9.07M | $10.15M | $10.18M | $5.18M | $426.00K | $0 | $0 | $0 | $0 | $0 | $0 |
Balance Sheet
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $7.44B | $7.11B | $6.43B | $5.72B | $5.72B | $5.20B | $3.87B | $3.15B | $2.67B | $1.88B | $1.47B | $1.18B | $853.97M | $283.33M | $210.07M | - |
| Total Liabilities | $1.68B | $1.51B | $1.32B | $1.26B | $1.49B | $1.34B | $888.58M | $784.25M | $733.93M | $539.23M | $349.86M | $225.72M | $131.83M | $64.21M | $34.01M | - |
| Total Equity | $5.76B | $5.60B | $5.10B | $4.46B | $4.24B | $3.86B | $2.98B | $2.37B | $1.94B | $1.34B | $1.12B | $955.74M | $722.14M | $219.12M | $176.06M | - |
| Cash | $123.05M | $131.48M | $141.79M | $81.24M | $81.49M | $102.83M | $71.35M | $64.95M | $43.52M | $27.53M | $24.61M | $24.41M | $477.65M | $22.32M | $18.50M | - |
| Total Debt | $495.30M | $493.96M | $421.92M | $420.86M | $419.82M | $321.72M | $224.24M | $223.66M | $248.59M | $100.00M | - | - | - | - | - | - |
| Net Debt | $372.25M | $362.48M | $280.13M | $339.62M | $338.33M | $218.89M | $152.89M | $158.72M | $205.07M | $72.47M | $-24.61M | $-24.41M | $-477.65M | $-22.32M | $-18.50M | - |
Cash Flow
| Line item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $856.05M | $861.53M | $763.00M | $588.82M | $709.26M | $727.93M | $589.85M | $625.32M | $368.57M | $273.48M | $224.14M | $153.70M | $119.01M | $36.64M | $-8.24M | $-21.73M |
| Investing Cash Flow | $-154.74M | $-706.93M | $-525.57M | $-398.87M | $-583.17M | $-1.15B | $-545.08M | $-546.90M | $-690.14M | $-365.32M | $-220.71M | $-727.70M | $-96.76M | $-79.73M | $-9.15M | $17.16M |
| Financing Cash Flow | $-709.75M | $-164.91M | $-176.88M | $-190.20M | $-147.43M | $457.97M | $-38.37M | $-56.99M | $337.56M | $94.77M | $-3.23M | $120.75M | $433.09M | $46.90M | $20.39M | $6.83M |
| Capital Expenditure | $7.36M | $6.77M | $4.00M | $3.98M | $2.50M | $2.45M | $3.41M | $4.05M | $2.78M | $3.16M | $4.96M | $3.89M | $2.67M | $2.70M | $1.27M | $2.06M |
| Free Cash Flow | $848.69M | $854.77M | $759.00M | $584.84M | $706.76M | $725.49M | $586.44M | $621.27M | $365.79M | $270.31M | $219.18M | $149.81M | $116.34M | $33.94M | $-9.51M | $-23.79M |
| Dividends Paid | $122.07M | $118.04M | $106.22M | $92.13M | $77.72M | $69.41M | $29.35M | $29.35M | $200.00M | $29.35M | $0 | $0 | - | - | - | $1.77M |
Earnings
| Report Date | Nov 6, 2026 | Aug 7, 2026 | May 8, 2026 | Feb 13, 2026 | Nov 7, 2025 | Aug 8, 2025 | May 9, 2025 | Feb 14, 2025 | Nov 1, 2024 | Aug 2, 2024 | May 3, 2024 | Feb 9, 2024 | Nov 2, 2023 | Aug 4, 2023 | May 5, 2023 | Feb 10, 2023 | Nov 4, 2022 | Aug 5, 2022 | May 6, 2022 | Feb 11, 2022 | Nov 5, 2021 | Aug 6, 2021 | May 7, 2021 | Feb 19, 2021 | Nov 6, 2020 | Aug 7, 2020 | May 8, 2020 | Feb 14, 2020 | Nov 8, 2019 | Aug 2, 2019 | May 3, 2019 | Feb 8, 2019 | Nov 9, 2018 | Aug 3, 2018 | May 4, 2018 | Feb 9, 2018 | Nov 9, 2017 | Aug 4, 2017 | May 5, 2017 | Feb 10, 2017 | Nov 4, 2016 | Aug 4, 2016 | May 5, 2016 | Feb 12, 2016 | Nov 5, 2015 | Aug 7, 2015 | May 8, 2015 | Feb 13, 2015 | Nov 6, 2014 | Aug 8, 2014 | May 8, 2014 | Feb 19, 2014 | Nov 27, 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| EPS Estimate | $1.89 | $1.77 | $1.75 | $1.74 | $1.77 | $1.71 | $1.65 | $1.65 | $1.74 | $1.68 | $1.59 | $1.59 | $1.56 | $1.49 | $1.44 | $1.49 | $1.51 | $1.51 | $1.47 | $1.40 | $1.35 | $1.26 | $1.21 | $1.22 | $0.95 | $0.39 | $1.37 | $1.43 | $1.38 | $1.31 | $1.26 | $1.19 | $1.14 | $1.06 | $1.03 | $0.80 | $0.77 | $0.70 | $0.69 | $0.63 | $0.58 | $0.53 | $0.49 | $0.47 | $0.43 | $0.39 | $0.35 | $0.31 | $0.26 | $0.21 | $0.18 | $0.22 | - |
| EPS Actual | - | $2.08 | $1.82 | $1.60 | $1.67 | $1.93 | $1.69 | $1.58 | $1.65 | $1.91 | $1.70 | $1.64 | $1.66 | $1.61 | $1.59 | $1.37 | $1.66 | $2.16 | $2.52 | $1.55 | $1.47 | $1.42 | $1.21 | $1.10 | $1.11 | $0.15 | $1.52 | $1.49 | $1.47 | $1.39 | $1.30 | $1.31 | $1.18 | $1.14 | $1.13 | $0.79 | $0.82 | $0.77 | $0.72 | $0.68 | $0.65 | $0.57 | $0.52 | $0.48 | $0.44 | $0.41 | $0.38 | $0.33 | $0.29 | $0.23 | $0.18 | $0.22 | $0.18 |
| Surprise | - | 17.51% | 4.00% | -8.05% | -5.65% | 12.87% | 2.42% | -4.24% | -5.17% | 13.69% | 6.92% | 3.14% | 6.41% | 8.05% | 10.42% | -8.05% | 9.93% | 43.05% | 71.43% | 10.71% | 8.89% | 12.70% | 0.00% | -9.84% | 16.84% | -61.54% | 10.95% | 4.20% | 6.52% | 6.11% | 3.17% | 10.08% | 3.51% | 7.55% | 9.71% | -1.25% | 6.49% | 10.00% | 4.35% | 7.94% | 12.07% | 7.55% | 6.12% | 2.13% | 2.33% | 5.13% | 8.57% | 6.45% | 11.54% | 9.52% | 0.00% | 0.00% | - |
| Timing | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | Pre-market | - |
Key Statistics & Ratios
- Market Cap
- $5.78B
- Enterprise Value
- $6.30B
- Trailing P/E
- 9.13
- Forward P/E
- 8.23
- PEG Ratio
- 0.84
- Price / Sales
- 4.37
- Price / Book
- 1.04
- EPS
- $7.04
- Book Value
- $63.01
- Revenue (TTM)
- $1.32B
- Gross Profit (TTM)
- $1.01B
- EBITDA
- $858.38M
- Profit Margin
- 51.45%
- Operating Margin
- 65.75%
- Return on Equity
- 12.01%
- Return on Assets
- 7.20%
- Shares Outstanding
- 89.88M
- Shares Float
- 86.66M
- Beta
- 0.76
- Dividend Yield
- 2.14%
- Dividend Rate
- $1.4
- Payout Ratio
- 18.97%
Analyst Ratings
Sell
Based on 8 analystsTarget $74.71
- Strong Buy2
- Buy3
- Hold3
Ownership Breakdown
- Institutions
- 97.71%
- Insiders
- 5.50%
- Retail / Other
- 0.00%
Top Institutional Holders
- BlackRock Inc11.96M13.30%
- Vanguard Portfolio Management, LLC7.38M8.21%
- Dimensional Fund Advisors, Inc.5.42M6.03%
- FMR Inc5.09M5.67%
- Capital World Investors4.54M5.05%
- Vanguard Capital Management, LLC4.07M4.53%
- State Street Corp3.80M4.23%
- Geode Capital Management, LLC2.77M3.09%
- NORGES BANK2.65M2.95%
- American Century Companies Inc2.65M2.94%
- Polar Capital Holdings PLC2.55M2.84%
- Delaware Management Holdings Inc1.67M1.86%
Top Fund Holders
- American Funds SMALLCAP World A4.75M5.29%
- iShares Core S&P Mid-Cap ETF3.23M3.59%
- Vanguard MStar Total Stk Mkt Idx Invest2.78M3.10%
- Avantis US Small Cap Value ETF2.51M2.79%
- iShares Russell 2000 ETF2.34M2.60%
- Polar Capital Global Ins A Inc2.30M2.56%
- Vanguard Equity-Income Inv2.06M2.29%
- Vanguard Small Cap Index2.02M2.24%
Dividends
20263×
$0.35Aug 31, 2026$0.35Jun 1, 2026$0.35Mar 13, 2026
20254×
$0.31Dec 1, 2025$0.31Aug 29, 2025$0.31May 30, 2025$0.31Mar 14, 2025
20244×
$0.28Dec 2, 2024$0.28Aug 30, 2024$0.28May 31, 2024$0.28Mar 12, 2024
20234×
$0.25Nov 30, 2023$0.25Aug 31, 2023$0.25May 31, 2023$0.25Mar 9, 2023
20224×
$0.23Nov 30, 2022$0.22Aug 31, 2022$0.21May 31, 2022$0.20Mar 9, 2022
20214×
$0.19Nov 30, 2021$0.18Aug 31, 2021$0.17May 28, 2021$0.16Mar 9, 2021
20201×
$0.16Nov 30, 2020