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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Essent Group Ltd (ESNT)

Financial Services Insurance - Specialty
66.20 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
5.6Mrd. $
Shares Outstanding
92Mio.
Float
96.3%
Beta
0.8

Performance

Perf. 1M
11.80%
Perf. 3M
13.00%
Perf. 6M
-0.30%
YTD Performance (%)
-6.90%
52-Week-High Distance
-7.8%

Valuation

P/E
9.1
Forward P/E
9.0
PEG
0.8
P/B
1.0
P/S
4.4
EV/EBITDA
0.0
Price/FCF
6.9

Profitability

Gross Margin
79.1%
EBIT Margin
63.7%
Net Margin
53.6%
Return on Equity
12.1%
Return on Assets
7.3%

Balance Sheet & Safety

Equity Ratio
75.3%
Debt/Equity
0.1
Altman Z
14.48
Piotroski
5 von 9

Growth

Sales Growth Last Quarter
5.80%
EPS Growth Last Quarter
7.70%
Sales Growth (Year)
-0.49%
Forward Sales Growth
7.01%
Forward EPS Growth
6.80%

Dividend

Dividend Yield
2.16%
Dividend Per Share (TTM)
1.32$
Payout Ratio
18.8%
Years Without a Cut
6Years
Increase Streak
6Years

Quality & Screener

Stage
1
RS Rating
33
EPS Rating
57
Piotroski
5 von 9
Fundamental Rating
B (+12 von 100)
Altman Z
14.48

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 339.3 Mio. $ Q4 2025: Q1 · 324.1 Mio. $ Q1 2025: Q2 · 326.1 Mio. $ Q2 2025: Q3 · 318.7 Mio. $ Q3 2025: Q4 · 312.4 Mio. $ Q4 2026: Q1 · 329.6 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 1.58 $ Q4 2025: Q1 · 1.69 $ Q1 2025: Q2 · 1.93 $ Q2 2025: Q3 · 1.62 $ Q3 2025: Q4 · 1.60 $ Q4 2026: Q1 · 1.82 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 49.5 % Q4 2025: Q1 · 54.1 % Q1 2025: Q2 · 59.9 % Q2 2025: Q3 · 51.5 % Q3 2025: Q4 · 49.6 % Q4 2026: Q1 · 52.1 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 226.7 Mio. $ Q4 2025: Q1 · 221.6 Mio. $ Q1 2025: Q2 · 189.5 Mio. $ Q2 2025: Q3 · 215.9 Mio. $ Q3 2025: Q4 · 229.1 Mio. $ Q4 2026: Q1 · 192.0 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 216.0 Mio. $ Q4 2025: Q1 · 221.3 Mio. $ Q1 2025: Q2 · 188.8 Mio. $ Q2 2025: Q3 · 210.6 Mio. $ Q3 2025: Q4 · 228.0 Mio. $ Q4 2026: Q1 · 191.2 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 14.1 % Q4 2025: Q1 · 6.6 % Q1 2025: Q2 · 2.3 % Q2 2025: Q3 · 0.7 % Q3 2025: Q4 · -7.9 % Q4 2026: Q1 · 1.7 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -3.6 % Q4 2025: Q1 · -0.8 % Q1 2025: Q2 · 1.4 % Q2 2025: Q3 · -1.8 % Q3 2025: Q4 · 1.3 % Q4 2026: Q1 · 7.6 % Q1
Price Change in Quarter (%)
2024: Q4 · -14.9 % Q4 2025: Q1 · 6.6 % Q1 2025: Q2 · 5.8 % Q2 2025: Q3 · 5.2 % Q3 2025: Q4 · 2.8 % Q4 2026: Q1 · -9.6 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 1.58 -3.60 339 14.10 49.50 227 216
2025: Q1 1.69 -0.80 324 6.60 54.10 222 221
2025: Q2 1.93 1.40 326 2.30 59.90 190 189
2025: Q3 1.62 -1.80 319 0.70 51.50 216 211
2025: Q4 1.60 1.30 312 -7.90 49.60 229 228
2026: Q1 1.82 7.60 330 1.70 52.10 192 191
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Essent Group Ltd. bietet über ihre Tochtergesellschaften private Hypothekenversicherungen und Rückversicherungen sowie Titelversicherungs- und Abwicklungsdienstleistungen für Hypothekengeber, Kreditnehmer und Investoren in den USA an.

Employees520
HeadquartersHamilton, Bermuda
Websiteir.essentgroup.com
IPO Date31. Oct 2013
Next Earnings14. Aug 2026

Management

Management
Name Title Birth Year
Mark Anthony Casale Founder, Chairman, CEO & President 1965
David Bruce Weinstock CFO & Senior VP 1966
Mary Lourdes Gibbons J.D. Senior VP, Chief Legal Officer & Assistant Secretary 1962
Vijay Bhasin Ph.D. Chief Risk Officer & Senior VP 1965
Christopher G. Curran President of Essent Guaranty, Inc.
Theodore Gray Senior VP & Chief Information Officer
Philip Michael Stefano Vice President of Investor Relations
Wei Ding Senior Vice President of Corporate Development
Paul C. Wollmann ARe, ARm, C.P.C.U., M.B.A. President & Chief Underwriting Officer of Essent Reinsurance Ltd 1967
William P. Higgins President of Essent Title Insurance Inc

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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