ESNT$61.13
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AI ESNT Summary
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Powered by LiveAIOverall Analysis
BuyEssent Group Ltd. presents a mixed investment profile. Fundamentally, it shows strong profitability and a robust balance sheet. However, recent technical indicators suggest a cautious short-term outlook. Its thematic positioning is neutral to positive, with stability in the mortgage insurance sector.
Thematic
Essent Group operates in the residential mortgage insurance sector, which is tied to the housing market and interest rate environments. While not a high-growth thematic area, it provides essential financial services with a degree of stability.
Fundamental
Essent Group demonstrates strong profitability and a healthy financial position. Revenue and earnings have shown resilience, supported by a solid balance sheet and consistent dividend payments.
Technical
Current technical indicators suggest the stock is in a downtrend or consolidation phase. While it has strong long-term support, short-term momentum is weak, indicating potential for further price pressure before any significant recovery.
| Factor | Score |
|---|---|
| Housing Market Stability | 70 |
| Interest Rate Sensitivity | 55 |
| Regulatory Landscape | 65 |
| Financial Services Innovation | 50 |
| Economic Sensitivity | 75 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 95 |
| Growth | 75 |
| Balance Sheet Health | 95 |
| Cash Flow | 90 |
| Dividend Yield | 70 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Volume Confirmation | 60 |
| Support & Resistance | 75 |
| Price Performance (6M) | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has exceeded earnings per share (EPS) estimates in 10 of the last 12 quarters, indicating strong operational execution and reliable profit generation.
Undervalued Compared to Peers
The Price-to-Earnings (P/E) ratio of 8.24 is significantly lower than the industry average of 15.5, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
Increasing Quarterly P/E Ratio
The quarterly P/E ratio has increased from 28.1 in Q2 2024 to 33.4 in Q1 2025, indicating that the stock is becoming more expensive on a quarterly earnings basis.
Slowing Revenue Growth Trend
While annual revenue for 2024 was $1.27 billion, a 12% increase from 2023, the quarterly revenue growth has shown a slight deceleration in the most recent quarter (Q1 2025) to 54.1% net margin, down from 65.1% in Q2 2024.
Calendar
May 2025
30
Ex-Dividend Date
June 2025
10
Next Dividend Date
August 2025
8
Next Earnings Date
H: $1.75
A: $1.72
L: $1.67
H: 322.24M
A: 317.65M
L: 313.80M
Profile
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. 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. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders; and mortgage borrowers and investors. Essent Group Ltd. was incorporated in 2008 and is headquartered in Hamilton, Bermuda.
Seasonals
Price Target
65.12 USD
The 39 analysts offering 1 year price forecasts for ESNT have a max estimate of 70.00 and a min estimate of 58.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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