Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ESNT
STRONG BUYAPPROVEEssent Group Ltd. · Financial Services · Bermuda · $6.1B · Avg Vol: $54M/d
Essent Group writes US private mortgage insurance on a high-credit-quality book, generating strong returns with a good quality score (Q74), substantial excess capital, consistent buybacks and a growing dividend. The trivial insider selling is routine. Nothing adverse is known on accounting, solvency or governance.
COMPANY DESCRIPTION
Essent Group Ltd. is a Bermuda-based provider of private mortgage insurance and reinsurance for residential mortgage loans in the United States. The company leverages sophisticated risk management and underwriting expertise to protect mortgage lenders against credit defaults. It holds a significant market position by providing essential credit enhancement services in a highly regulated financial sector.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.0B | 1.1B | 1.3B | 1.3B | 8.2% | 1.3B | 1.4B | 1.5B | 7.7% |
| EPS | 7.75 | 6.56 | 6.92 | 6.97 | -3.5% | 7.03 | 7.30 | 7.75 | 5.5% |
| Shares | 107.7M | 106.6M | 105.0M | 95.5M | -11.4% | 92.2M | — | — | — |
| Debt | 420.9M | 421.9M | 494.0M | 495.3M | 5.6% | 495.6M | — | — | — |
| Equity | 4.5B | 5.1B | 5.6B | 5.8B | 8.9% | — | — | — | — |
| Op CF | 588.8M | 763.0M | 861.5M | 856.1M | 13.3% | 826.5M | — | — | — |
| Inv CF | -398.9M | -525.6M | -706.9M | -154.7M | — | — | — | — | — |
| Fin CF | -190.2M | -176.9M | -164.9M | -709.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ESNT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ESNT | Essent Group Ltd.(you) | $6.1B | 85 | STRONG BUY |
| AXS | AXIS Capital Holdings Limited | $8.6B | 74 | BUY |
| LRE.L | Lancashire Holdings Limited | $2.1B | 90 | STRONG BUY |
| AGO | Assured Guaranty Ltd. | $3.8B | 37 | HOLD |
| HSX.L | Hiscox Ltd | $7.8B | 86 | STRONG BUY |
| WTM | White Mountains Insurance Group, Ltd. | $5.5B | 67 | BUY |
| ACGLO | Arch Capital Group Ltd. | $11.8B | 76 | BUY |
| RNR | RenaissanceRe Holdings Ltd. | $13.7B | 92 | STRONG BUY |
| NTB | The Bank of N.T. Butterfield & Son Limited | $2.4B | 90 | STRONG BUY |
| SPNT | SiriusPoint Ltd. | $3.0B | 95 | STRONG BUY |
Peer medians: ROE 19.5% · P/E 7.8x · Gross margin 39.4%