Stocktoria
Essent Group Ltd. ESNT
Essent Group Ltd. (ESNT) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.07% (safety: safe). FY2025 revenue was $1.3B at a 54.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-25 | Keefe, Bruyette & Woods | Outperform (main) |
| 2026-06-04 | Keefe, Bruyette & Woods | Outperform (up) |
| 2026-05-22 | RBC Capital | Sector Perform (init) |
| 2026-05-11 | Barclays | Equal-Weight (main) |
| 2026-04-09 | JP Morgan | Neutral (main) |
| 2026-04-06 | Barclays | Equal-Weight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ESNT | Essent Group Ltd. | 4/9 | — | 8.5 | +1.5% |
| MTG | MGIC INVESTMENT CORP | 4/9 | — | 8 | +0.5% |
| RDN | RADIAN GROUP INC | 6/9 | — | 8.6 | -0.8% |
| AGO | ASSURED GUARANTY LTD | 6/9 | — | 7 | +27.3% |
| OSG | OCTAVE SPECIALTY GROUP INC | 2/9 | — | — | +6.5% |
| MBI | MBIA INC | 3/9 | — | — | +90.5% |
| ORI | OLD REPUBLIC INTERNATIONAL CORP | 6/9 | — | 10.7 | +11% |
All Finance, Insurance & Real Estate companies →
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.
FAQ
Is ESNT financially healthy?
Essent Group Ltd.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does ESNT pay a dividend, and is it safe?
Yes. Essent Group Ltd. pays a dividend yielding about 2.07% with a 17.7% payout ratio, rated “safe” for safety.
How profitable is ESNT?
In FY2025, Essent Group Ltd. had a net margin of 54.7% and a return on equity of 12.0%.
Is ESNT overvalued or undervalued?
Essent Group Ltd. trades at about 9.9× trailing earnings — above its 10-year norm (10-year range 5.7×–14.3×, median 8.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ESNT?
The average Wall-Street price target for Essent Group Ltd. is $67.88, about 0.6% below the recent price, from 8 analysts (consensus: buy).
Is ESNT a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Essent Group Ltd.: a Piotroski F-score of 4/9, a P/E of about 8.5×, a dividend yield of 2.07%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.