profit from every $100 of sales.
$0$100
Essent Group
$64.58-0.48% today
+5.5% in 1 year
1-year low $55.841-year high $69.63
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2020 to 2025.
0%20% a year
You pay $8.23 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Essent Group sold, what it kept, and what it did with the cash.
Sales went from $1.02 billion in 2022 to $1.29 billion in 2025, with $690 million of profit last year.
SalesProfit
Essent Group handed back 84% of the cash it generated last year.
Buybacks $588M
Free cash flow 2025$849M
Bought back its own shares$588M
Paid as dividends$122M
Cash vs. debt$123M vs. $495M
Essent Group vs. similar companies
Essent Group grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Essent Group | 8.2× · Cheap | ||
 Assurant | 18.1× · Fair price | ||
 Fidelity National Financial | 19.3× · Fair price | ||
 Beazley | 8.6× · Cheap | ||
 Medibank Private | 29.7× · Fair price |
AI analysis
An AI analyst reads Essent Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 955 | 1,029 | 1,018 | 1,131 | 1,267 | 1,288 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 502 | 834 | 1,007 | 858 | 897 | 860 | |
| 413 | 682 | 831 | 696 | 729 | 690 | |
| 3.88 | 6.11 | 7.72 | 6.50 | 6.85 | 6.90 | |
| – | – | – | – | – | – | |
| – | – | – | – | – | – | |
| 43.2% | 66.3% | 81.6% | 61.6% | 57.6% | 53.6% |
Balance sheet
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Total assets | 5,203 | 5,722 | 5,724 | 6,427 | 7,112 | 7,441 |
| Cash | 103 | 81 | 81 | 142 | 131 | 123 |
| Total debt | – | – | 421 | 422 | 494 | 495 |
| Total liabilities | 1,340 | 1,486 | 1,261 | 1,324 | 1,508 | 1,684 |
| 3,863 | 4,236 | 4,462 | 5,103 | 5,604 | 5,757 | |
| 106 | 112 | 108 | 107 | 107 | 100 | |
| 10.2% | 15.5% | 16.2% | 12.2% | 11.5% | 10.8% | |
| 10.7% | 16.1% | 18.6% | 13.6% | 13.0% | 12.0% |
Cash flow
| In millions of USD | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| 728 | 709 | 589 | 763 | 862 | 856 | |
| 2 | 2 | 4 | 4 | 17 | 7 | |
| 725 | 707 | 585 | 759 | 845 | 849 | |
| Dividends paid | 69 | 78 | 92 | 106 | 118 | 122 |
| 6 | 164 | 98 | 71 | 112 | 588 | |
| 18 | 21 | 18 | 18 | 25 | 21 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.2×
- 9.1×
- 0.67
- 1.0×
- 4.4×
- 12.1%
- 2.1%
Profitability
- 53.6%
- 11.1%
- 13.0%
- 12.0%
- 9.1%
Growth
- +6.2%
- +12.2%
- +14.1%
- −2.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 23%of 754
Top 12%of 605
Top 21%of 883
Bottom 39%of 880
Top 14%of 929
What analysts expect
- Average price target
- $69.33
- Range
- $63.00 – $75.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 8, 2026 | 1.82 | 1.75 | +4.0% |
| Feb 13, 2026 | 1.60 | 1.74 | −8.0% |
| Nov 7, 2025 | 1.67 | 1.77 | −5.6% |
| Aug 8, 2025 | 1.93 | 1.68 | +14.9% |
| May 9, 2025 | 1.69 | 1.65 | +2.4% |
| Feb 14, 2025 | 1.58 | 1.67 | −5.4% |
| Nov 1, 2024 | 1.65 | 1.73 | −4.6% |
| Aug 2, 2024 | 1.91 | 1.68 | +13.7% |
2.1%of the share price, paid each year
On $1,000 invested$21a year at today's yield, before tax
+14.1%2020 to 2025
Raised6 yearsin a row, in our data
Paid per share, each year
$0.30 in 2019 → $1.24 in 2025
How safe it looks
17.7% of its profit
Room to growStretchedMore than it earns: 14.4%
News
Why Essent Group Stock Slid by Nearly 8% TodayYahoo Finance · Nov 7, 2026Essent Group Ltd. Q3 2026 Earnings Call SummaryYahoo Finance · Nov 6, 2026Essent Group declares $0.35 dividendSeeking Alpha · Nov 6, 2026Essent Group slumps 8% amid 12-day losing streakSeeking Alpha · Sep 30, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
7/7Passes 7 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
84Pass
Benjamin Graham
84Pass
Philip Fisher
84Pass
Peter Lynch
72Pass
Joel Greenblatt
62Pass
Charlie Munger
74Pass
Terry Smith
68Pass
Questions about Essent Group
Is Essent Group a good stock to buy?
A strong, very profitable business, and the price looks low. 7 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Essent Group AI analysis
What does Essent Group do?
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. It is in Insurance - Specialty, based in Hamilton, Bermuda, with 520 employees.
Does Essent Group pay a dividend?
Yes. At today's price the dividend is 2.1% a year, about 18% of its yearly profit. In 2025 it paid out $122 million in dividends.
Is Essent Group stock halal?
No. Essent Group does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Essent Group stock done over the past year?
Up 5.5% over the past twelve months, to $64.58. It traded between $55.84 and $69.63 and is 7.3% below its high.
Who are Essent Group's competitors?
The largest listed companies in the same industry are Assurant, Fidelity National Financial, Beazley and Medibank Private. The peers table on this page compares their profit, growth and price with Essent Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.