ESSENT GROUP LTD (ESNT)
Financials · Mortgage insurance and credit risk · NYSE
A leading private mortgage insurer facilitating affordable homeownership by providing credit protection on low down payment loans to the U.S. residential mortgage market.
What ESSENT GROUP LTD does
Essent Group is a financial services company providing private mortgage insurance, reinsurance, and title insurance services to the U.S. housing finance industry. Through Essent Guaranty, the company offers mortgage insurance on residential first-lien loans with less than 20% down payment, which are required by government-sponsored enterprises Fannie Mae and Freddie Mac. The company also operates a reinsurance segment through Bermuda-based Essent Re that reinsures U.S. mortgage risk in the GSE credit risk transfer market and other reinsurance transactions, and recently provides title insurance and settlement services through its title insurance subsidiary.
Themes: ["Mortgage insurance / credit risk","GSE credit risk transfer","Residential mortgage originations","Title insurance and settlement","Reinsurance"]
Fundamentals
- Price$64.50 as of 2026-07-09 close
- Market cap$5.9B as of 2026-07-10
- 1-year return+9.9% as of 2026-07-09 close
- P/E8.61 as of 2026-07-10
- Net margin+53.6% as of 2026-07-10
- ROE+12.0% as of 2026-07-10
- Debt / equity0.09 as of 2026-07-10
- Revenue growth (YoY)+1.4% as of 2026-07-10
- Revenue CAGR (3y)+8.0% SEC XBRL
- Beta0.77 as of 2026-07-10
Dividend: yield +2.2%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Dependence on GSE (Fannie Mae and Freddie Mac) business practices and regulatory changes; failure to meet their mortgage insurer eligibility requirements would significantly impact operations","Decline in low down payment mortgage originations due to economic conditions, increased use of government mortgage insurance programs, or shift in customer preferences away from private mortgage insurance","Uncertainty in loss reserve estimates and potential deterioration in borrower home values leading to higher than expected claims"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.