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ESNT Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
65.690
Open
64.950
VWAP
64.93
Vol
526.65K
Mkt Cap
5.95B
Low
64.495
Amount
34.20M
EV/EBITDA(TTM)
7.35
Total Shares
92.15M
EV
6.31B
EV/OCF(TTM)
7.64
P/S(TTM)
4.93
Essent Group Ltd. is a Bermuda-based holding company. The Company, through its wholly owned subsidiaries, offers private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors. Its business segment includes Mortgage Insurance. The Mortgage Insurance segment offers private mortgage insurance and reinsurance for mortgages secured by residential properties located in the US. The Company, through its wholly owned subsidiary, Essent Guaranty, Inc., offers mortgage insurance. Its Bermuda-based subsidiary, Essent Reinsurance Ltd., is a reinsurer that reinsures the United States (US) mortgage risk and provides underwriting consulting services to third-party reinsurers. Through its subsidiary, CUW Solutions, LLC, it offers mortgage insurance and provides contract underwriting services on a limited basis. It also offers other credit risk management solutions, including contract underwriting, to its customers.
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Events Timeline

(ET)
2026-05-08
06:40:00
Company Reports Q1 Revenue of $336.07M
select

News

NASDAQ.COM
2.0
07-03NASDAQ.COM
Comparative Analysis of Essent and Progressive in Insurance Market
  • Essent Financial Performance: In FY 2025, Essent Group reported revenue of approximately $1.26 billion, remaining flat year-over-year, while net income was nearly $690 million, down about $40 million from 2024, indicating stable demand amid fluctuating interest rates.
  • Progressive Growth Momentum: For FY 2025, Progressive achieved revenue of nearly $83.2 billion, reflecting a robust 12% increase, with net income at $11.3 billion and a net margin of approximately 13.6%, demonstrating its effective pricing adjustments to rising repair and medical costs.
  • Market Competition Risks: Essent faces intense competition from other private mortgage insurers, with a high customer concentration where its top ten clients accounted for about 59% of new insurance written, indicating that losing any major client could significantly impact revenue.
  • Economic Outlook Impact: With increasing economic uncertainty, the future performance of both Essent and Progressive will be influenced by macroeconomic conditions, particularly housing affordability and consumer spending capacity, necessitating cautious risk assessment by investors.
NASDAQ.COM
6.5
07-03NASDAQ.COM
Comparative Analysis of Essent Group and American Coastal Insurance
  • Rating Comparison: Essent Group (ESNT) currently holds a Zacks Rank of #2 (Buy), while American Coastal Insurance (ACIC) has a #5 (Strong Sell), indicating that ESNT has shown a stronger improvement in earnings outlook, likely appealing to value investors.
  • Valuation Metrics: ESNT's forward P/E ratio stands at 8.94, significantly lower than ACIC's 12.08, suggesting that ESNT is undervalued at its current share price levels, potentially offering better return opportunities for investors.
  • PEG Ratio Analysis: With a PEG ratio of 1.80 compared to ACIC's 4.03, ESNT demonstrates a more attractive valuation when factoring in expected earnings growth rates, further solidifying its position as a value stock.
  • Price-to-Book Ratio Comparison: ESNT's P/B ratio of 1.07 is lower than ACIC's 1.69, indicating that ESNT's market value relative to its book value is more favorable, which may attract investors seeking undervalued stocks.
Fool
2.0
07-03Fool
Investment Comparison: Essent vs. Progressive
  • Essent Overview: Essent Group focuses on providing private mortgage insurance to lenders, with FY 2025 revenue around $1.26 billion, showing flat growth but a net income of nearly $690 million, indicating stable demand amid fluctuating interest rates; however, a high customer concentration of 59% poses risks.
  • Progressive Financial Performance: Progressive achieved approximately $83.2 billion in revenue for FY 2025, a 12% increase year-over-year, with a net income of $11.3 billion and a net margin of 13.6%, reflecting its successful pricing adjustments to rising repair and medical costs, showcasing strong market competitiveness.
  • Risk Analysis: Essent faces intense competition from other private mortgage insurers and is highly sensitive to macroeconomic conditions, particularly mortgage interest rates and housing affordability, where the loss of any major partner could significantly impact its revenue.
  • Future Outlook: Essent is projected to see a 9% revenue increase to $1.37 billion in 2026, but net income is expected to decline by 4% to $663 million, while Progressive anticipates a 6% revenue rise to $88 billion, despite an 8% drop in net income to $10.4 billion, highlighting differing strategies amid economic uncertainty.
Yahoo Finance
6.5
07-03Yahoo Finance
Essent vs. Progressive: Which Insurance Stock to Buy in 2026?
  • Essent's Market Performance: Essent Group reported approximately $1.26 billion in revenue for FY 2025, showing flat growth but a net income of nearly $690 million, indicating strong profitability amid stable housing finance demand; however, a customer concentration of 59% adds significant business risk.
  • Progressive's Growth Potential: Progressive achieved nearly $83.2 billion in revenue for FY 2025, a robust 12% increase, with a net income of $11.3 billion and a net margin of 13.6%, demonstrating the company's ability to adjust pricing effectively in response to rising repair and medical costs, showcasing strong market adaptability.
  • Risk Profile Comparison: Essent faces intense competition from other private mortgage insurers and is highly sensitive to macroeconomic conditions, where the loss of any major partner could significantly impact revenue, while Progressive must navigate unpredictable catastrophe risks from climate change that could affect profitability.
  • Future Outlook and Investment Decision: Essent is projected to see a revenue increase of about 9% to $1.37 billion in 2026, but net income is expected to decline by 4% to $663 million, whereas Progressive's revenue is expected to rise by 6% to $88 billion, despite an 8% drop in net income to $10.4 billion, prompting investors to make choices based on their economic outlook.
seekingalpha
6.0
06-04seekingalpha
Essent Group Stock Upgraded to Buy by KBW
  • Upgrade Announcement: Keefe, Bruyette & Woods upgraded Essent Group's stock rating from Market Perform to Outperform while maintaining a price target of $73.00, reflecting optimism about the company's valuation and driving shares up 1.38% to $56.61 in pre-market trading.
  • Credit Risk Concerns: Analysts noted that despite the stock's year-to-date performance fluctuating between +4% and -15%, heightened concerns over credit risk due to Q1 delinquency rates coming in modestly higher than expected could dampen investor confidence.
  • Valuation Advantage: Essent Group is currently trading at 93% of its Q1 tangible book value, the lowest among peers, indicating relative undervaluation that may attract value investors looking for opportunities in the market.
  • Market Trend Analysis: While home prices have shown weakness in certain regions, most markets continue to experience modest increases, and combined with low valuations, analysts maintain a constructive outlook on the sector, suggesting potential for improvement ahead.
CNBC
6.0
06-04CNBC
Wall Street's Latest Ratings and Price Target Adjustments
  • Broadcom Rating Adjustment: Morgan Stanley raised Broadcom's price target from $485 to $502, reflecting strong performance amid high expectations, indicating a sustained growth trend that may attract more investor interest.
  • RTX Upgraded to Buy: Jefferies upgraded RTX from hold to buy, emphasizing its leading position in aerospace and defense, with significant growth potential from market expansion and budget support, enhancing investor confidence.
  • FedEx Freight Coverage Initiated: Wolfe initiated coverage on FedEx Freight with an Outperform rating, expecting material EPS growth in the coming years driven by company-specific pricing and margin opportunities, indicating a positive market outlook.
  • Alphabet Maintained Buy Rating: Bank of America reiterated its buy rating on Alphabet, anticipating 2027 capex of $241 billion and $16 billion in free cash flow, showcasing strong performance in future market demand.
Wall Street analysts forecast ESNT stock price to rise
5 Analyst Rating
Wall Street analysts forecast ESNT stock price to rise
2 Buy
3 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
65.00
Averages
69.80
High
75.00
Current: 0.000
sliders
Low
65.00
Averages
69.80
High
75.00
Keefe Bruyette
NULL
to
Outperform
maintain
$73 -> $74
AI Analysis
2026-06-25
Reason
Keefe Bruyette
Price Target
$73 -> $74
AI Analysis
2026-06-25
maintain
NULL
to
Outperform
Reason
Keefe Bruyette raised the firm's price target on Essent Group to $74 from $73 and keeps an Outperform rating on the shares.
Keefe Bruyette
Market Perform
to
Outperform
upgrade
$73
2026-06-04
Reason
Keefe Bruyette
Price Target
$73
2026-06-04
upgrade
Market Perform
to
Outperform
Reason
Keefe Bruyette upgraded Essent Group to Outperform from Market Perform with an unchanged price target of $73. The firm attributes the recent weakness in the mortgage insurer group to credit concerns as Q1 delinquencies came in modestly higher than expectations. The shares of several names are trading below book value, with Essent the cheapest at 93% of Q1 tangible book value, the analyst tells investors in a research note. Keefe cites valuation for the upgrade of the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for ESNT
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Valuation Metrics

The current forward P/E ratio for Essent Group Ltd (ESNT.N) is 8.98, compared to its 5-year average forward P/E of 7.65. For a more detailed relative valuation and DCF analysis to assess Essent Group Ltd's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.65
Current PE
8.98
Overvalued PE
8.60
Undervalued PE
6.70

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.71
Current EV/EBITDA
6.71
Overvalued EV/EBITDA
2.81
Undervalued EV/EBITDA
-1.39

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
4.58
Current PS
4.05
Overvalued PS
4.98
Undervalued PS
4.18

Financials

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Whales Holding ESNT

P
Paralel Advisors LLC
Holding
ESNT
+6.44%
3M Return
C
Cooke & Bieler, L.P.
Holding
ESNT
+1.25%
3M Return

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Frequently Asked Questions

What is Essent Group Ltd (ESNT) stock price today?

The current price of ESNT is 64.6 USD — it has increased 0.11

What is Essent Group Ltd (ESNT)'s business?

Essent Group Ltd. is a Bermuda-based holding company. The Company, through its wholly owned subsidiaries, offers private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors. Its business segment includes Mortgage Insurance. The Mortgage Insurance segment offers private mortgage insurance and reinsurance for mortgages secured by residential properties located in the US. The Company, through its wholly owned subsidiary, Essent Guaranty, Inc., offers mortgage insurance. Its Bermuda-based subsidiary, Essent Reinsurance Ltd., is a reinsurer that reinsures the United States (US) mortgage risk and provides underwriting consulting services to third-party reinsurers. Through its subsidiary, CUW Solutions, LLC, it offers mortgage insurance and provides contract underwriting services on a limited basis. It also offers other credit risk management solutions, including contract underwriting, to its customers.

What is the price predicton of ESNT Stock?

Wall Street analysts forecast ESNT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ESNT is69.80 USD with a low forecast of 65.00 USD and a high forecast of 75.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Essent Group Ltd (ESNT)'s revenue for the last quarter?

Essent Group Ltd revenue for the last quarter amounts to 336.07M USD, increased 5.83

What is Essent Group Ltd (ESNT)'s earnings per share (EPS) for the last quarter?

Essent Group Ltd. EPS for the last quarter amounts to 1.82 USD, increased 7.69

How many employees does Essent Group Ltd (ESNT). have?

Essent Group Ltd (ESNT) has 514 emplpoyees as of July 08 2026.

What is Essent Group Ltd (ESNT) market cap?

Today ESNT has the market capitalization of 5.95B USD.