Essent Group Ltd. (ESNT)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 955 | 1,029 | 1,018 | 1,131 | 1,267 | 1,261 | 1,323 | 1,347 |
| Operating profit | $m | 822 | 821 | ||||||
| Net profit | $m | 413 | 682 | 831 | 696 | 729 | 690 | 681 | 747 |
| EPS reported | $ | 6.90 | 7.17 | ||||||
| Operating cashflow per share | $ | 8.65 | 9.19 | ||||||
| Capex per share | $ | 0.07 | 0.09 | ||||||
| FCF per share | $ | 8.57 | 9.10 | ||||||
| Free cash flow | $m | 849 | 826 | ||||||
| Net debt | $m | -5,732 | -5,617 | ||||||
| Book value equity | $m | 5,757 | 5,663 | ||||||
| Book value per share | $ | 57.55 | 61.97 | ||||||
| Number of shares | m | 100.02 | 91.39 | ||||||
| DPS (TTM paid) | $ | 1.24 | 1.36 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.42 | 8.89 | ||||||
| P/B LTM | x | 1.12 | 1.14 | ||||||
| P/S LTM | x | 5.10 | 4.86 | ||||||
| P/FCF LTM | x | 7.58 | 7.79 | ||||||
| EV/EBITDA LTM | x | 7.92 | 7.94 | ||||||
| EV/Sales LTM | x | 5.40 | 5.16 | ||||||
| Earnings Yield LTM | % | +10.62% | +11.25% | ||||||
| FCF Yield | % | +13.19% | +12.83% | ||||||
| Quality | |||||||||
| ROE | % | +11.99% | +11.91% | ||||||
| ROIC | % | +11.04% | -5.36% | ||||||
| Operating margin | % | +65.18% | +62.02% | ||||||
| Gross margin | % | +88.16% | +85.03% | ||||||
| FCF/Sales | % | +67.31% | +62.40% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.73% | +4.67% | ||||||
| Sales Growth YoY | % | -0.49% | +4.44% | ||||||
| Net Income Growth YoY | % | -5.41% | -6.68% | ||||||
| FCF Growth | % | -0.71% | -3.38% | ||||||
| Operating Profit Growth | % | -3.93% | -4.06% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.90% | +1.90% | ||||||
| Dividend Growth | % | +10.71% | +21.43% | ||||||
| Payout Ratio | % | +17.69% | +17.98% | ||||||
| FCF/Debt | x | 1.71 | 1.67 | ||||||
| Net Debt/EBITDA | x | 0.43 | 0.49 | ||||||
| EBIT/Net interest | x | 25.14 | 25.10 | ||||||
| Net debt/market cap | % | +7.70% | +7.74% | ||||||
| Net debt/Equity | x | -1.00 | -0.99 | ||||||
| Gross debt/equity | x | 0.09 | 0.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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