Essent Group reported strong Q2 2025 financial results with $195 million net income, robust capital returns, and technology-driven credit pricing. The company demonstrated resilient mortgage insurance portfolio and confidence in long-term growth.
Essent Group LTD (ESNT)
Common Stock · Currency in USD · XNYS
Essent Group Ltd serves the housing finance industry by providing private mortgage insurance, reinsurance, risk management products, title insurance, and settlement services to mortgage lenders, borrowers, and investors to support homeownership. It provides credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage and certain related expenses in the event of a default. By providing capital to mitigate mortgage credit risk, the company allows lenders to make additional mortgage financing available to prospective homeowners.
Company Info
SIC6351
Composite FIGI—
CIK0001448893
IPOOct 31, 2013
Sectorsurety insurance
Highlights
Market Cap$5.56B
EPS$6.76
P/E Ratio8.47
Revenue$1.26B
Gross Profit$1.25B
Net Income$656.86M
Employees514
WSO94,009,619
Phone441-297-9901
Websitehttps://ir.essentgroup.com
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Analysis
Share Price Chart
Performance Chart
The chart shows the growth of an initial investment of $10,000 in Essent Group LTD, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Returns By Period
Essent Group LTD (ESNT) has returned -8.72% so far this year and 11.73% over the past 12 months. Looking at the last ten years, ESNT has achieved an annualized return of 11.21%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
ESNT
1M-1.05%
6M-3.66%
YTD-8.72%
1Y11.73%
5Y3.46%
10Y11.21%
Benchmark (SPY)
1M-3.85%
6M-2.35%
YTD-4.36%
1Y34.06%
5Y9.80%
10Y12.23%
Monthly Returns
The table below presents the monthly returns of Essent Group LTD (ESNT) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -2.92% | -3.66% | -2.49% | 1.60% | ||||||||
| 2025 | 6.20% | 0.52% | 0.30% | -1.04% | 2.98% | 5.27% | -7.52% | 12.08% | 2.19% | -4.24% | 3.62% | 4.27% |
| 2024 | 5.01% | -2.88% | 11.32% | -10.78% | 6.84% | -2.13% | 11.40% | 2.10% | 1.24% | -6.41% | 0.49% | -5.40% |
| 2023 | 12.15% | -1.90% | -6.23% | 6.04% | 4.40% | 6.12% | 6.55% | 1.70% | -6.36% | -0.15% | 2.33% | 9.40% |
| 2022 | 0.60% | -3.07% | -6.19% | -2.15% | 5.11% | -9.49% | 8.67% | -3.73% | -12.17% | 11.59% | 0.60% | -3.69% |
| 2021 | -3.93% | -1.79% | 12.72% | 10.21% | -10.21% | -6.35% | -0.18% | 3.27% | -6.92% | 8.21% | -13.82% | 6.63% |
| 2020 | -4.67% | -12.19% | -40.39% | 11.10% | 25.24% | 9.05% | -1.16% | -1.19% | 4.31% | 7.35% | 8.67% | -3.53% |
| 2019 | 18.55% | 8.39% | -0.23% | 8.06% | -1.10% | 0.09% | -2.94% | 5.55% | -0.94% | 8.39% | 4.29% | -5.21% |
| 2018 | 6.04% | -2.91% | -5.40% | -22.06% | 3.81% | 3.59% | 7.80% | 12.92% | 2.12% | -11.34% | -2.18% | -12.45% |
| 2017 | 5.24% | -0.14% | 2.44% | 1.96% | -2.76% | 2.63% | 2.64% | 1.19% | 3.77% | 5.39% | 2.67% | -1.68% |
| 2016 | -0.92% | 7.26% | 0.09% | 9.71% | 10.80% | -0.08% | -0.53% | 14.95% | 5.37% |
Performance Indicators
The charts below present risk-adjusted performance metrics for Essent Group LTD (ESNT) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
Sharpe ratio
Sortino ratio
Omega ratio
Calmar ratio
Martin ratio
sharpe ratio
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of ESNT compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
Volatility Chart
The current Essent Group LTD volatility is 0.95%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
Income Statement
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 7.44B | 6.43B | 5.72B | 5.72B | 5.20B | 3.87B | 3.15B | 2.67B | 1.88B | 1.47B | 1.18B |
| Equity Attributable To Parent (USD) | 5.76B | 5.10B | 4.46B | 4.24B | 3.86B | 2.98B | 2.37B | 1.94B | 1.34B | 1.12B | 955.74M |
| Equity Attributable To Noncontrolling Interest (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 5.76B | 5.10B | 4.46B | 4.24B | 3.86B | 2.98B | 2.37B | 1.94B | 1.34B | 1.12B | 955.74M |
| Noncurrent Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Current Liabilities (USD) | 1.68B | 1.32B | 1.26B | 1.49B | 1.34B | 888.58M | 784.25M | 733.93M | 539.23M | 349.86M | 225.72M |
| Liabilities (USD) | 1.68B | 1.32B | 1.26B | 1.49B | 1.34B | 888.58M | 784.25M | 733.93M | 539.23M | 349.86M | 225.72M |
| Fixed Assets (USD) | - | 41.30M | 19.57M | 11.92M | 15.10M | 17.31M | 7.63M | 6.98M | 8.12M | 9.02M | 5.84M |
| Noncurrent Assets (USD) | - | - | - | - | - | - | - | - | - | - | - |
| Current Assets (USD) | 7.44B | 6.43B | 5.72B | 5.72B | 5.20B | 3.87B | 3.15B | 2.67B | 1.88B | 1.47B | 1.18B |
| Assets (USD) | 7.44B | 6.43B | 5.72B | 5.72B | 5.20B | 3.87B | 3.15B | 2.67B | 1.88B | 1.47B | 1.18B |
News and Insights
Stay up-to-date on dividend activity, changes, ex-dividend dates, and pay dates for Dividend Champions, Contenders, and Challengers in our weekly summary.
Throughout the last three months, 4 analysts have evaluated Essent Group (NYSE:ESNT), offering a diverse set of opinions from bullish to bearish. The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months. Bullish Somewhat Bullish Indifferent Somewhat Bearish Bearish Total Ratings 0 1 3 0 0 Last 30D 0 0 1 0 0 1M Ago 0 1 0 0 0 2M Ago 0 0 2 0 0 3M Ago 0 0 0 0 0 Analysts have set 12-month price targets for Essent Group, revealing an average target of $61.0, a high estimate of $64.00, and a low estimate of $58.00. This current average has increased by 1.24% from the previous average price target of $60.25. Decoding Analyst Ratings: A Detailed Look The standing of Essent Group among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets. Analyst Analyst Firm Action Taken Rating Current Price Target Prior Price Target Douglas Harter UBS Raises Neutral $58.00 $57.00 Scott Heleniak RBC Capital Lowers Outperform $61.00 $64.00 Bose George Keefe, Bruyette & Woods Raises Market Perform $64.00 $62.00 Richard Shane JP Morgan Raises Neutral $61.00 $58.00 Key Insights: Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Essent Group. This offers insight into analysts' ...Full story available on Benzinga.com
Essent Group (ESNT) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.
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Essent Group (ESNT) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
Essent Group (ESNT) fourth-quarter results reflect improved revenues attributable to higher net premiums earned, partially offset by higher losses and expenses.