Obermatt
See Similar Stocks →

Essent Group

NYQ:ESNT · BMG3198U1027
InsuranceMedium

360

54
Medium confidence — indicative
EV / EBIT88
Price / Owner Earnings74
Owner Earnings Yield74
Dividend Yield51
Price/Sales22
EV / Gross Profit50
Price/Book74
Returns on capital63
Profit margins90
Cash Conversion58
Accruals62
Owner Earnings Margin87
Sales growth75
Profit Growth57
Long-Term EPS Growth37
Owner Earnings Growth32
Reinvestment1
Price momentum29
Debt load61
Debt serviceability59
Liquidity74
Analyst ratings40
Opinion Changes50
Price Target Upside39
Market mood94
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Essent Group clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryBermuda
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded2008
Websiteessentgroup.com
ISINBMG3198U1027
Last UpdateApr 2, 2026
Indices
S&P MIDCAP (USA)
Themes
InsurtechFinance

Description

Essent Group Ltd. (Essent) provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. Mortgage insurance facilitates the sale of low down p…

Analysis

Middle-of-the-road

Essent Group Ltd. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.8×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -7% a year, against analyst forecasts of 5%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
52
2023202420252026

All-time high

77

Jan 2024

All-time low

15

Jan 2025

Average rank

53

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
11
12
12
Price/Earnings
47
47
42
55
Price/Book
74
47
42
45
Dividend Yield
51
43
41
44
Value (overall)
45
37
33
45

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare Essent Group with its peers
Arch Capital Group
NSQ:ACGL
85
CountryBermuda
IndustryInsurance
SizeLarge
Full Stock Analysis →
AXIS Capital Holdings
NYQ:AXS
56
CountryBermuda
IndustryInsurance
SizeMedium
Full Stock Analysis →
Asuransi Tugu Pratama Indonesia
JKT:TUGU
39
CountryIndonesia
IndustryInsurance
SizeSmall
Full Stock Analysis →
AMMB Holdings
KLS:AMBANK
55
CountryMalaysia
IndustryBanks
SizeMedium
Full Stock Analysis →
Hong Leong Bank
KLS:HLBANK
87
CountryMalaysia
IndustryBanks
SizeMedium
Full Stock Analysis →
Jiayin Group
NMQ:JFIN
—
CountryBritish Virgin Islands
IndustryConsumer Finance
SizeMedium
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →