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Essent Group Ltd. ESNT

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Price alert · ESNT

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68.60 USD -0.74 (-1.07%)

At closeNov 5, 2026, 5:55 PM EST

68.54 -0.06 -0.09%

After hours · Nov 5, 5:55 PM ET

68.54 Day range 71.84
55.34 52-week range 71.84
YTD
+5.52%
1 year
+11.73%

Financial health

Altman Z-Score

3.46 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 4
  • P/B 3

Valuation

P/E 9.3×
FY 2016: 13.2×FY 2017: 10.7×FY 2018: 7.1×FY 2019: 9.2×FY 2020: 11.1×FY 2021: 7.4×FY 2022: 5.0×FY 2023: 8.0×FY 2024: 7.9×FY 2025: 9.3×
FY 2016 5y median 7.9× FY 2025
P/S 5.1×
FY 2016: 6.4×FY 2017: 7.0×FY 2018: 4.6×FY 2019: 5.9×FY 2020: 4.8×FY 2021: 4.9×FY 2022: 4.1×FY 2023: 5.0×FY 2024: 4.5×FY 2025: 5.1×
FY 2016 5y median 4.9× FY 2025
P/B 1.1×
FY 2016: 2.2×FY 2017: 2.1×FY 2018: 1.4×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 1.1×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 7.6×
FY 2016: 10.9×FY 2017: 11.1×FY 2018: 5.4×FY 2019: 8.7×FY 2020: 6.3×FY 2021: 7.2×FY 2022: 7.1×FY 2023: 7.4×FY 2024: 6.7×FY 2025: 7.6×
FY 2016 5y median 7.2× FY 2025
EV/EBITDA 7.9×
FY 2016: 9.5×FY 2017: 10.4×FY 2018: 6.2×FY 2019: 7.8×FY 2020: 9.6×FY 2021: 6.5×FY 2022: 4.5×FY 2023: 6.9×FY 2024: 6.8×FY 2025: 7.9×
FY 2016 5y median 6.8× FY 2025
EV/Sales 5.4×
FY 2016: 6.6×FY 2017: 7.4×FY 2018: 4.8×FY 2019: 6.0×FY 2020: 5.0×FY 2021: 5.2×FY 2022: 4.4×FY 2023: 5.2×FY 2024: 4.8×FY 2025: 5.4×
FY 2016 5y median 5.2× FY 2025
FCF Yield 13.2%
FY 2016: 9.2%FY 2017: 9.0%FY 2018: 18.7%FY 2019: 11.5%FY 2020: 15.8%FY 2021: 14.0%FY 2022: 14.0%FY 2023: 13.5%FY 2024: 14.9%FY 2025: 13.2%
FY 2016 5y median 14.0% FY 2025

Profitability

Gross Margin 88.2%
FY 2016: 100.0%FY 2017: 95.3%FY 2018: 98.4%FY 2019: 96.2%FY 2020: 68.5%FY 2021: 97.0%FY 2022: 117.2%FY 2023: 97.2%FY 2024: 93.6%FY 2025: 88.2%
FY 2016 5y median 97.0% FY 2025
Operating Margin 65.2%
FY 2016: 68.1%FY 2017: 69.1%FY 2018: 76.0%FY 2019: 76.0%FY 2020: 51.3%FY 2021: 80.0%FY 2022: 97.0%FY 2023: 72.8%FY 2024: 67.5%FY 2025: 65.2%
FY 2016 5y median 72.8% FY 2025
Net Margin 54.7%
FY 2016: 48.6%FY 2017: 65.9%FY 2018: 65.0%FY 2019: 64.1%FY 2020: 43.2%FY 2021: 66.3%FY 2022: 81.6%FY 2023: 61.6%FY 2024: 57.6%FY 2025: 54.7%
FY 2016 5y median 61.6% FY 2025
ROE 12.0%
FY 2016: 16.6%FY 2017: 19.6%FY 2018: 19.8%FY 2019: 18.6%FY 2020: 10.7%FY 2021: 16.1%FY 2022: 18.6%FY 2023: 13.6%FY 2024: 13.0%FY 2025: 12.0%
FY 2016 5y median 13.6% FY 2025
ROIC 11.0%
FY 2016: 15.8%FY 2017: 16.1%FY 2018: 19.2%FY 2019: 9.0%FY 2020: 4.6%FY 2021: 7.1%FY 2022: -10110.1%FY 2023: 18.6%FY 2024: 12.0%FY 2025: 11.0%
FY 2016 5y median 11.0% FY 2025
ROA 9.3%
FY 2016: 11.8%FY 2017: 14.2%FY 2018: 14.8%FY 2019: 14.3%FY 2020: 7.9%FY 2021: 11.9%FY 2022: 14.5%FY 2023: 10.8%FY 2024: 10.3%FY 2025: 9.3%
FY 2016 5y median 10.8% FY 2025

Growth (YoY)

Revenue -0.5%
FY 2016: 29.7%FY 2017: 25.8%FY 2018: 24.8%FY 2019: 20.6%FY 2020: 10.1%FY 2021: 7.7%FY 2022: -1.0%FY 2023: 11.1%FY 2024: 12.0%FY 2025: -0.5%
FY 2016 FY 2025
Operating Income -3.9%
FY 2016: 36.6%FY 2017: 27.8%FY 2018: 37.2%FY 2019: 20.6%FY 2020: -25.6%FY 2021: 67.8%FY 2022: 20.2%FY 2023: -16.7%FY 2024: 3.9%FY 2025: -3.9%
FY 2016 FY 2025
EPS (diluted) 0.7%
FY 2016: 40.1%FY 2017: 65.6%FY 2018: 19.5%FY 2019: 18.7%FY 2020: -31.4%FY 2021: 57.5%FY 2022: 26.4%FY 2023: -15.8%FY 2024: 5.4%FY 2025: 0.7%
FY 2016 FY 2025
Free Cash Flow -0.7%
FY 2016: 23.3%FY 2017: 35.3%FY 2018: 69.8%FY 2019: -5.6%FY 2020: 23.7%FY 2021: -2.6%FY 2022: -17.3%FY 2023: 29.8%FY 2024: 12.6%FY 2025: -0.7%
FY 2016 FY 2025

Financial Health

Current Ratio 5.8×
FY 2016: 0.1×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 5.2×FY 2020: 14.7×FY 2021: 12.1×FY 2022: 0.9×FY 2023: 0.4×FY 2024: 6.5×FY 2025: 5.8×
FY 2016 5y median 5.8× FY 2025
Quick Ratio 5.8×
FY 2016: 0.1×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 5.2×FY 2020: 14.7×FY 2021: 12.1×FY 2022: 0.9×FY 2023: 0.4×FY 2024: 6.5×FY 2025: 5.8×
FY 2016 5y median 5.8× FY 2025
Debt / Equity 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA 0.4×
FY 2016: 0.2×FY 2017: 0.5×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Interest Coverage 25.1×
FY 2016: 732×FY 2017: 77.0×FY 2018: 53.7×FY 2019: 64.9×FY 2020: 54.0×FY 2021: 99.3×FY 2022: 63.3×FY 2023: 27.3×FY 2024: 24.2×FY 2025: 25.1×
FY 2016 5y median 27.3× FY 2025

Dividends

Dividend Yield 1.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.6%FY 2020: 1.5%FY 2021: 1.5%FY 2022: 2.2%FY 2023: 1.9%FY 2024: 2.1%FY 2025: 1.9%
FY 2016 5y median 1.9% FY 2025
Payout Ratio 17.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 5.3%FY 2020: 16.8%FY 2021: 11.4%FY 2022: 11.1%FY 2023: 15.3%FY 2024: 16.2%FY 2025: 17.7%
FY 2016 5y median 15.3% FY 2025

Annual · latest fiscal year ends 2025-12-31