ESNT
NEUTRAL
$63.62
Live
Essent Group Ltd. · NYSE
Target $67.81
(+6.6%)
$55.22
52W Range
$67.09
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 27, 2026
Market cap
$5.98B
P/E
9.22
ROE
12.1%
Profit margin
54.7%
Debt/Equity
0.09
Dividend yield
2.2%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
ESNT presents a classic value trap profile: fundamentally sound with a stable Piotroski F-Score of 4/9 and an exceptionally strong balance sheet, yet plagued by stagnant growth and bearish internal signals. While the Graham Number of $96.76 suggests significant defensive undervaluation, the intrinsic value of $57.62 and negative Q/Q growth trends indicate a lack of catalysts. The company maintains high margins and low debt, but recent earnings misses and consistent insider selling offset the attractive valuation metrics.
Key Strengths
Extremely low Debt/Equity ratio (0.09) indicating minimal leverage risk
Strong liquidity position with a Current Ratio of 4.35
High profitability margins (Profit Margin 54.72%, Operating Margin 61.68%)
Attractive valuation with a P/E of 9.22, significantly below sector average
Sustainable dividend profile with a very low payout ratio of 17.97%
Key Risks
Negative growth trajectory with Q/Q revenue down 5.87% and earnings down 7.70%
Bearish insider sentiment with four sell transactions and zero buys in 6 months
Poor recent earnings track record, beating estimates in only 1 of the last 4 quarters
Technical trend is currently 0/100 (Bearish)
Stagnant YoY revenue growth (-0.80%) suggesting a plateau in market expansion
AI Fair Value Estimate
Based on comprehensive analysis
$68.5
+7.7% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
63
Strong
85
30
60
75
65
AI Verdict
Value-Heavy / Growth-Poor
Key drivers: Low P/E and P/B ratios, Strong balance sheet, Declining quarterly earnings, Insider selling
Confidence
90%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 9.22 is very low
- Price/Book of 1.05 is near fair value
- Graham Number ($96.76) is well above current price
Watchpoints
- Intrinsic value ($57.62) is below current price
Future
30/100
Ref Growth rates
Positives
- Forward P/E (8.21) suggests slight earnings improvement expected
Watchpoints
- Negative Q/Q revenue and earnings growth
- YoY revenue growth is negative
Past
60/100
Ref Historical trends
Positives
- Strong 3Y (+63%) and 5Y (+33.3%) price appreciation
- Historically strong earnings surprises prior to 2025
Watchpoints
- Recent trend of missing quarterly estimates
Health
75/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4 (Stable)
- Debt/Equity is negligible
- Current ratio is very high
Watchpoints
- Lack of Altman Z-Score data for bankruptcy risk confirmation
Dividend
65/100
Ref Yield, Payout
Positives
- Very low payout ratio (17.97%) ensures safety
Watchpoints
- Modest yield (2.20%) compared to some specialty insurance peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$63.62
Analyst Target
$67.81
Upside/Downside
+6.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ESNT and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ESNT
Essent Group Ltd.
Primary
|
+33.3% | +63.0% | +14.7% | +4.3% | +9.8% | +2.5% |
|
UBSI
United Bankshares, Inc.
Peer
|
+36.3% | +50.8% | +31.3% | +21.7% | +6.5% | -1.8% |
|
ACT
Enact Holdings, Inc.
Peer
|
+145.2% | +101.6% | +25.8% | +5.2% | -6.5% | -2.3% |
|
FLG
Flagstar Bank, National Association
Peer
|
-54.7% | -44.1% | +24.9% | +16.0% | +5.7% | -4.2% |
|
FNB
F.N.B. Corporation
Peer
|
+62.1% | +73.8% | +34.7% | +14.1% | +6.2% | -2.3% |
ESN
Essent Group Ltd.
Primary
5Y
+33.3%
3Y
+63.0%
1Y
+14.7%
6M
+4.3%
1M
+9.8%
1W
+2.5%
UBS
United Bankshares, Inc.
Peer
5Y
+36.3%
3Y
+50.8%
1Y
+31.3%
6M
+21.7%
1M
+6.5%
1W
-1.8%
ACT
Enact Holdings, Inc.
Peer
5Y
+145.2%
3Y
+101.6%
1Y
+25.8%
6M
+5.2%
1M
-6.5%
1W
-2.3%
FLG
Flagstar Bank, National Association
Peer
5Y
-54.7%
3Y
-44.1%
1Y
+24.9%
6M
+16.0%
1M
+5.7%
1W
-4.2%
FNB
F.N.B. Corporation
Peer
5Y
+62.1%
3Y
+73.8%
1Y
+34.7%
6M
+14.1%
1M
+6.2%
1W
-2.3%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.22
Forward P/E
8.21
PEG Ratio
N/A
P/B Ratio
1.05
P/S Ratio
4.74
EV/Revenue
4.58
EV/EBITDA
6.72
Market Cap
$5.98B
Profitability
Profit margins and return metrics
Profit Margin
54.72%
Operating Margin
61.68%
Gross Margin
80.13%
ROE
12.15%
ROA
7.34%
Growth
Revenue and earnings growth rates
Revenue Growth
-0.8%
Earnings Growth
+0.9%
Q/Q Revenue Growth
-5.87%
Q/Q Earnings Growth
-7.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.09
Low debt
Current Ratio
4.35
Strong
Quick Ratio
2.59
Excellent
Cash/Share
$8.16
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.3B
Net Margin
48.5%
Total Assets
$7.4B
Liabilities
$1.7B
Equity
$5.8B
Debt/Equity
0.29x
Operating CF
$0.2B
CapEx
$-0.0B
Free Cash Flow
$0.2B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-08
$N/A
2026-02-13
$1.6
-7.8% surprise
2025-11-07
$1.67
-5.8% surprise
2025-08-08
$1.93
+13.0% surprise
Financial Services Sector Comparison
Comparing ESNT against 763 companies in the Financial Services sector
(133 bullish, 317 neutral, 313 bearish)
P/E Ratio
9.22
This Stock
vs
38.21
Sector Avg
-75.9%
(Discount)
Return on Equity (ROE)
12.15%
This Stock
vs
-1.82%
Sector Avg
-767.1%
(Below Avg)
Profit Margin
54.72%
This Stock
vs
75.74%
Sector Avg
-27.8%
(Weaker)
Debt to Equity
0.09
This Stock
vs
1.42
Sector Avg
-93.5%
(Less Debt)
Revenue Growth
-0.8%
This Stock
vs
37.18%
Sector Avg
-102.2%
(Slower)
Current Ratio
4.35
This Stock
vs
3.32
Sector Avg
+31.0%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ESNT
Essent Group Ltd.
|
NEUTRAL | $5.98B | 9.22 | 12.1% | 54.7% | $63.62 | |
|
UBSI
United Bankshares, Inc.
|
NEUTRAL | $5.99B | 12.18 | 9.3% | 40.3% | $43.49 | Compare |
|
ACT
Enact Holdings, Inc.
|
NEUTRAL | $5.85B | 8.96 | 13.0% | 54.6% | $40.49 | Compare |
|
FLG
Flagstar Bank, National Association
|
NEUTRAL | $5.84B | - | -0.7% | -2.9% | $14.03 | Compare |
|
FNB
F.N.B. Corporation
|
NEUTRAL | $6.23B | 10.81 | 8.9% | 34.1% | $17.52 | Compare |
ESNT
Essent Group Ltd.
NEUTRAL
Mkt Cap
$6.0B
P/E
9.2
ROE
12.1%
Price
$63.62
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-20 | GIBBONS MARY LOURDES | Officer | Sale | 8,500 | $535,576 |
| 2026-04-01 | WEINSTOCK DAVID B | Chief Financial Officer | Stock Award | 8,860 | - |
| 2026-02-27 | CASALE MARK A | Chief Executive Officer | Stock Award | 14,029 | - |
| 2026-02-27 | WEINSTOCK DAVID B | Chief Financial Officer | Stock Award | 16,531 | - |
| 2026-02-27 | BHASIN VIJAY | Officer | Stock Award | 1,668 | - |
| 2026-02-27 | GIBBONS MARY LOURDES | Officer | Stock Award | 7,861 | - |
| 2026-02-27 | CURRAN CHRISTOPHER G | Officer | Stock Award | 2,406 | - |
| 2026-02-11 | CASALE MARK A | Chief Executive Officer | Stock Award | 137,384 | $9,000,026 |
| 2026-02-11 | BHASIN VIJAY | Officer | Stock Award | 13,739 | $900,042 |
| 2026-02-11 | GIBBONS MARY LOURDES | Officer | Stock Award | 15,265 | $1,000,010 |
| 2026-02-11 | CURRAN CHRISTOPHER G | Officer | Stock Award | 19,845 | $1,300,046 |
| 2026-01-08 | WEINSTOCK DAVID B | Chief Financial Officer | Stock Award | 1,068 | - |
| 2025-12-18 | GIBBONS MARY LOURDES | Officer | Sale | 4,352 | $291,584 |
| 2025-12-15 | GIBBONS MARY LOURDES | Officer | Gift | 775 | - |
| 2025-11-26 | CASALE MARK A | Chief Executive Officer | Gift | 15,000 | - |
GIBBONS MARY LOURDES
Officer
2026-04-20
8,500 shares
·
$535,576
WEINSTOCK DAVID B
Chief Financial Officer
2026-04-01
8,860 shares
CASALE MARK A
Chief Executive Officer
2026-02-27
14,029 shares
WEINSTOCK DAVID B
Chief Financial Officer
2026-02-27
16,531 shares
BHASIN VIJAY
Officer
2026-02-27
1,668 shares
GIBBONS MARY LOURDES
Officer
2026-02-27
7,861 shares
CURRAN CHRISTOPHER G
Officer
2026-02-27
2,406 shares
CASALE MARK A
Chief Executive Officer
2026-02-11
137,384 shares
·
$9,000,026
BHASIN VIJAY
Officer
2026-02-11
13,739 shares
·
$900,042
GIBBONS MARY LOURDES
Officer
2026-02-11
15,265 shares
·
$1,000,010
CURRAN CHRISTOPHER G
Officer
2026-02-11
19,845 shares
·
$1,300,046
WEINSTOCK DAVID B
Chief Financial Officer
2026-01-08
1,068 shares
GIBBONS MARY LOURDES
Officer
2025-12-18
4,352 shares
·
$291,584
GIBBONS MARY LOURDES
Officer
2025-12-15
775 shares
CASALE MARK A
Chief Executive Officer
2025-11-26
15,000 shares
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
10-Q
8-K
10-Q
8-K
10-Q
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
8 analysts
JP Morgan
2026-04-09
Neutral
Neutral
Barclays
2026-04-06
Equal-Weight
Equal-Weight
UBS
2026-03-12
Neutral
Neutral
Barclays
2026-02-17
Equal-Weight
Equal-Weight
JP Morgan
2026-01-12
Neutral
Neutral
Barclays
2026-01-06
Equal-Weight
Equal-Weight
Roth Capital
2026-01-02
Buy
Buy
Keefe, Bruyette & Woods
2025-12-18
Market Perform
Market Perform
Keefe, Bruyette & Woods
2025-11-24
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning ESNT from our newsroom.
Newest → oldest
No matching news yet.