Essent Group Ltd.

ESNT Financial Insurance Specialty

Essent Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 1.45% from fiscal 2024. In the quarter to June 2026, revenue grew 13.6%, EPS grew 7.18%, free cash flow grew 3.88% and total debt was flat, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.

64.70 0.94 +1.47%
Market cap
$5.7B
P/E
8.9×
Fwd P/E
8.0×
Dividend yield
2.10%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total sells 16.85
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 2 1 — — — 3 — 2 3 4 3 —
Insider Ownership 4.56%

Capital & Financial Ratios $m

Market Cap 5,730.00
Revenue 1,322.99
Net Income 680.71
Free Cash Flow 825.89
Net Debt 421.64
Current Ratio 0.31
Debt/Equity 0.09
P/E ratio 8.95
Fwd P/E 8.01
P/S ratio 4.44
P/B ratio 1.04
Past 5Y EPS Growth 12.20%
This Y EPS Growth 8.95%
Next Y EPS Growth 3.69%
Next Y revenue growth 8.02%
Next 5Y EPS Growth 5.28%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 54.88%
10-year low 10-year high
P/S against its own 10 years 16.70%
10-year low 10-year high
P/B against its own 10 years 19.31%
10-year low 10-year high

Dividends

Payout Ratio 0.19
Annual Dividend Rate 1.36
Annual Dividend Yield 2.10%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.40
0.35
0.35
0.35
2025 1.24
0.31
0.31
0.31
0.31
2024 1.12
0.28
0.28
0.28
0.28
2023 1.00
0.25
0.25
0.25
0.25
2022 0.86
0.20
0.21
0.22
0.23
2021 0.70
0.16
0.17
0.18
0.19
2020 0.64
0.16
0.16
0.16
0.16
2019 0.30
0.15
0.15
2018 Powerpack
2017 Powerpack
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 142 131 123 74
Receivables 63 56 51 170
Inventory — — — —
Other — — — —
205 187 174 244
2023 2024 2025 Q'26
Payables 400 445 539 776
ST’ Debt 422 — — —
Other — — — —
961 622 724 776

Compound Annual Growth %

10y 5y 3y
Sales 13.57% 5.71% 8.01%
Cash Flow 14.22% 3.30% 13.29%
Earnings 15.93% 10.81% (6.02%)
Book Value 17.79% 8.31% 8.86%

Revenue $m

Mar Jun Sep Dec Year
’26 336 363 — — —
’25 318 319 312 312 1,261
’24 298 313 317 315 1,243
’23 256 260 296 297 1,110
’22 265 244 262 230 1,001
’21 245 243 284 257 1,029
’20 229 236 243 247 955
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 192 197 — — —
’25 222 190 216 229 856
’24 217 189 229 227 862
’23 185 168 195 215 763
’22 181 63 173 172 589
’21 188 152 178 191 709
’20 163 183 203 179 728
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 191 196 — — —
’25 221 189 211 228 849
’24 212 188 229 226 845
’23 184 167 194 213 759
’22 180 62 172 171 585
’21 187 152 177 190 707
’20 163 182 202 178 725
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 1.82 2.08 — — —
’25 1.69 1.93 1.67 1.60 6.90
’24 1.70 1.91 1.65 1.58 6.85
’23 1.59 1.61 1.66 1.64 6.50
’22 2.52 2.16 1.66 1.37 7.72
’21 1.21 1.42 1.84 1.64 6.11
’20 1.52 0.15 1.11 1.10 3.88
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 16.49 31.54 31.08 33.37 17.52 39.62 34.27 36.53 50.66 51.61

Analyst estimates 2026–2028

Powerpack
High 33.94 47.29 50.08 55.84 52.99 54.22 50.17 53.66 65.33 67.09
People
People Employees 376 397 385 387 381 343 346 536 625 514
Revenue/emp, $m 1.22 1.45 1.87 2.24 2.51 3.00 2.89 2.07 1.99 2.45
Income, $m
Income, $m Revenue 458 577 719 868 955 1,029 1,001 1,110 1,243 1,261
Gross margin, % 68.15 70.03 77.41 77.14 52.26 80.76 100.30 76.88 71.67 67.77
EBT 312 399 547 659 490 822 988 823 855 822
EBT margin, % 68.06 69.13 76.00 75.97 51.31 79.95 98.74 74.16 68.83 65.18
Net income 223 380 467 556 413 682 831 696 729 690
Depreciation 15 16 18 20 27 37 21 19 26 20
Per share, $
Per share, $ Revenue 5.04 6.18 7.39 8.87 9.00 9.25 9.34 10.45 11.79 12.74
Earnings 2.45 4.07 4.80 5.68 3.89 6.13 7.75 6.56 6.92 6.97
Cash flow 3.02 3.95 6.42 6.03 6.86 6.38 5.49 7.18 8.17 8.65
Capex (0.03) (0.03) (0.04) (0.03) (0.02) (0.02) (0.04) (0.04) (0.16) (0.07)
Free cash flow 2.99 3.92 6.38 6.00 6.84 6.36 5.46 7.15 8.02 8.57
Book value 14.78 20.79 24.29 30.53 36.41 38.11 41.62 48.04 53.17 58.15
Shares, m 91 93 97 98 106 111 107 106 105 99
Valuation, ×
Valuation, × P/E 13.23 10.85 7.12 9.15 11.11 7.42 5.10 8.06 7.87 9.33
P/S 6.43 7.10 4.63 5.86 4.80 4.92 4.23 5.06 4.62 5.10
P/B 2.19 2.11 1.41 1.70 1.19 1.19 0.95 1.10 1.02 1.12
EV/Sales 6.59 7.45 4.85 6.30 5.37 5.66 5.00 5.70 5.25 5.73
EV/FCF 11.13 11.74 5.61 9.33 7.07 8.24 8.56 8.33 7.63 8.52
Cash, $m
Cash, $m Operating cash flow 275 369 625 590 728 709 589 763 862 856
Capex (3) (3) (4) (3) (2) (2) (4) (4) (17) (7)
Free cash flow 271 366 621 586 725 707 585 759 845 849
Balance, $m
Balance, $m Working capital (332) (518) (510) (527) (882) (985) (766) (756) (435) (549)
Total debt 200 498 448 458 651 844 853 422 494 495
Net debt 172 454 383 387 548 762 772 280 362 372
Shareholders’ equity 1,344 1,940 2,366 2,985 3,863 4,236 4,462 5,103 5,604 5,757
Returns, %
Returns, % ROA 13.28 16.67 16.05 15.82 9.10 12.48 14.53 11.46 10.78 9.48
ROIC 12.87 10.54 12.66 12.40 7.07 10.39 11.99 9.91 9.33 8.71
ROE 18.08 23.13 21.71 20.77 12.06 16.84 19.12 14.56 13.63 12.15
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Essent Group Ltd. vs peers in Insurance Specialty (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FNF Fidelity National Financial, Inc. $10.6B 14.1× 8.8× +11.44% (above 0%: growing) +9.80% (above 0%: growing) −1.24% (below 0%: shrinking) 53.15% 9.85% Compare
RYAN Ryan Specialty Holdings Inc. $10.2B 52.9× 37.4× +7.19% (above 0%: growing) −19.51% (below 0%: shrinking) −17.82% (below 0%: shrinking) 100.00% 19.67% Compare
AXS Axis Capital Holdings Limited $7.2B 7.0× 7.4× +7.35% (above 0%: growing) +24.00% (above 0%: growing) +137.05% (above 0%: growing) 28.72% 19.18% Compare
FAF First American Financial Corporation $6.5B 9.0× 9.9× +14.99% (above 0%: growing) +51.06% (above 0%: growing) +2.71% (above 0%: growing) 100.00% 16.60% Compare
ACT Enact Holdings, Inc. $6.3B 9.7× 8.8× +4.07% (above 0%: growing) +11.61% (above 0%: growing) −0.84% (below 0%: shrinking) 73.93% 73.26% Compare
ESNT Essent Group Ltd. $5.7B 8.9× 8.0× +13.64% (above 0%: growing) +7.18% (above 0%: growing) +3.88% (above 0%: growing) 65.75% 65.75%
MTG MGIC Investment Corporation $5.7B 8.7× 8.3× −2.91% (below 0%: shrinking) +6.17% (above 0%: growing) +0.83% (above 0%: growing) 81.29% 80.85% Compare
RDN Radian Group Inc. $4.5B 8.7× 7.8× +92.58% (above 0%: growing) −17.48% (below 0%: shrinking) +147.96% (above 0%: growing) 50.35% 30.09% Compare
AGO Assured Guaranty Ltd. $3.1B 9.5× 11.8× −30.60% (below 0%: shrinking) −57.89% (below 0%: shrinking) −48.72% (below 0%: shrinking) 97.95% 42.05% Compare
Median of peers $6.4B 9.2× 8.8× +7.27% +7.99% 0.00% 77.61% 24.88%

All 17 Insurance Specialty stocks →

Essent Group Ltd. (ESNT) key facts

  • Concern: Net income was $690.0 million, or $6.97 per share (basic), a net margin of 54.7%.
  • Strength: Essent Group Ltd.’s revenue for fiscal 2025 (year ended December 2025) was $1.3 billion, up 1.45% from fiscal 2024.
  • Essent Group Ltd. (ESNT) is an Insurance Specialty company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, ESNT traded at $64.70, a market capitalization of $5.7 billion.
  • At that price the stock trades at 8.9× trailing-twelve-month earnings and 4.4× sales; its P/E is higher than 55% of its own readings over the past ten years.
  • Essent Group Ltd. pays an annual dividend of $1.36 per share, a yield of 2.10%, with a payout ratio of 19.0%.
  • Return on equity was 12.2% and debt-to-equity 0.09.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Essent Group Ltd. (ESNT) Latest News

14 Aug

Impact 3 · transcript

8 Aug

stockrow.com/ESNT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com