Essent Group Ltd. (ESNT) Stock Analysis
Financial Services · Insurance - Specialty · NYSE
Essent Group Ltd. (ESNT) posted $1.26B in revenue for fiscal 2025 (up 1.5% year over year), at a 54.7% net margin, and has compounded revenue about 5.7%/yr over five years, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Essent Group Ltd.
Essent Group Ltd. has grown revenue from $458.26M to $1.26B over the last 10 fiscal years, compounding about 5.7% a year. The most recent year was up 1.5%, so growth has cooled from its longer-run pace.
Net margin sits at 54.7%, down 4 points year over year.
At today's valuation the market is pricing in roughly -8.4% annual free-cash-flow growth — versus the 3.2% it actually delivered over the last five years, so the price is arguably undemanding against what it has already proven. The one thing worth a second look in the filings is net margin shrinking.
Synthesised from Essent Group Ltd.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Essent Group Ltd. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $458.26M | $576.51M | $719.35M | $867.57M | $955.15M | $1.03B | $1.00B | $1.11B | $1.24B | $1.26B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $222.61M | $379.75M | $467.36M | $555.71M | $413.04M | $681.78M | $831.35M | $696.39M | $729.40M | $689.97M |
| Net margin | 48.6% | 65.9% | 65.0% | 64.1% | 43.2% | 66.3% | 83.1% | 62.8% | 58.7% | 54.7% |
Source: Essent Group Ltd. SEC filings (10-K). 14 years of history available in the interactive view.
Essent Group Ltd.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Net margin shrinkingNet margin fell from 83.1% to 54.7% over ~3 years — profitability is compressing.
What growth is priced into ESNT stock?
At today's market cap of $5.41B, Essent Group Ltd. is priced for free-cash-flow growth of about -8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $848.69M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 3.2%/yr over the last five fiscal years and revenue 5.7%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 14 years of Essent Group Ltd. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Essent Group Ltd. financial history by metric
Compare Essent Group Ltd. with peers
About Essent Group Ltd.
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. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.
Essent Group Ltd. — frequently asked questions
What is Essent Group Ltd.'s revenue?
Essent Group Ltd. (ESNT) reported revenue of $1.26B for fiscal year 2025, up 1.5% from the prior year, according to its SEC filings.
Is Essent Group Ltd. profitable?
Yes. ESNT earned net income of $689.97M in fiscal 2025, a net margin of 54.7%.
What is ESNT's P/E ratio?
Essent Group Ltd. trades at a price-to-earnings ratio of about 8.3 based on the latest data in our nightly-refreshed cache.
How fast is Essent Group Ltd. growing?
ESNT's revenue grew at roughly 5.7% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Essent Group Ltd. have?
As of fiscal year 2025, ESNT carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Essent Group Ltd.'s market cap?
Essent Group Ltd. (ESNT) has a market capitalization of about $5.41B, based on the latest data in our nightly-refreshed cache.
When does Essent Group Ltd.'s fiscal year end?
ESNT's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into ESNT stock?
At today's market cap of $5.41B, Essent Group Ltd. is priced for free-cash-flow growth of about -8.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $848.69M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 3.2%/yr over the last five fiscal years and revenue 5.7%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Essent Group Ltd.'s official SEC filings (10-K and 10-Q), covering 14 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.