Essent Group Ltd. (ESNT) Stock: Price, Forecast & Analyst Target
Essent Group Ltd. (ESNT) — MoonshotScore 77/100 (Strong band), calculated Oct 5, 2026. Price $61.09 (+1.44%), as of the Oct 5, 2026 trading session; market cap $5.63B. Expected results Nov 6, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 0.92× (market value Oct 5, 2026; cash Jun 30, 2026) · expected results Nov 6, 2026
Essent Group Ltd. · ESNT · NYSE · Financial Services · Insurance - Specialty
Research dated 2026-09-13: Essent provides private mortgage insurance and settlement services, stepping in to absorb losses for lenders when homebuyers default. The durability of its historically wide profit margins depends entirely on avoiding a sustained wave of housing market stress and subsequent policy payouts.
Price as of Oct 5, 2026
Key Statistics
MoonshotScore v2 · Essent Group (ESNT)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and durable growth, at a cheap price, but a strained balance sheet. Business Quality: Elite; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Growing; Momentum: Slipping.
- quarterly revenue $363M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 4 of 8
- Altman Z 3.26 · Piotroski F 5
Holding back: balance-sheet strain, weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 82 | Exceptional | |
| 80 | Exceptional | |
| 80 | Exceptional | |
| 74 | Strong | |
| 74 | Strong | |
| 77 | Strong |
The score was 77 in the stored Oct 4, 2026 snapshot and remains 77 in the current publication computed Oct 5, 2026 (0); the largest pillar moves were Growth Durability +9 and Momentum -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $61.09 | |
| Change on the day | +1.44% | |
| 52-week range | $55.34–$70.37 | |
| Market capitalisation | $5.63B | |
| Price / earnings (trailing) | 8.33 | |
| Shares traded on the day | 1.01M | |
| Beta (volatility vs the S&P 500) | 0.76 | |
| Dividends per share (last 12 months) | $1.36 | |
| Dividend yield (last 12 months) | 2.26% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
The provider's estimated date can change.
What to watch nextOther perspectives
Council score for Essent Group (ESNT): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
9-Factor Breakdown
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the ESNT film — every key number, told as a short cinematic story
~2 min · open the film
What is Essent Group (ESNT), and what does it report?
Short answer · as of
While categorized as a specialty insurer, the business essentially monetizes the credit risk of the domestic housing market.
Research dated 2026-09-13.
While categorized as a specialty insurer, the business essentially monetizes the credit risk of the domestic housing market. By collecting premiums to protect lenders against borrower default, the core mortgage insurance segment generates the vast majority of total revenue. The income statements therefore reflect the volume of new loan originations requiring coverage, balanced against the pace at which existing policyholders pay off their mortgages or default.
What do the latest results show for Essent Group (ESNT)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $363M.
Research dated 2026-09-13.
Recent reporting periods show accelerating top-line expansion, with revenue climbing steadily across successive reporting cycles and exceeding Wall Street projections. The company has translated these gains into expanding operating profits, consistently beating earnings estimates. This pattern demonstrates that premium collections and investment income are outpacing the costs associated with claims and underwriting operations.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $362.69M Jun 30, 2026
- Latest quarter · SG&A
- $0.00 Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $230.32M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $362.69M | Not available | $0.00 | $230.32M |
| Mar 31, 2026 | $329.63M | Not available | $0.00 | $206.72M |
| Dec 31, 2025 | $312.40M | Not available | $0.00 | $184.53M |
| Sep 30, 2025 | $318.73M | Not available | $29.18M | $199.16M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $362.69M Aug 7, 2026
- Latest report · revenue estimate
- $321.62M Aug 7, 2026
- Latest report · revenue vs estimate
- Above estimate Aug 7, 2026
- Latest report · EPS vs estimate
- Above estimate Aug 7, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Aug 7, 2026 | $362.69M | $321.62M | $2.0800 | $1.7600 |
| May 8, 2026 | $336.07M | $297.56M | $1.8200 | $1.7500 |
| Feb 13, 2026 | $312.40M | $312.62M | $1.6000 | $1.7400 |
| Nov 7, 2025 | $318.73M | $315.61M | $1.6700 | $1.7700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $363M | $190M | $2.08 (diluted) |
| Q1 FY2026 | $330M | $172M | $1.82 (diluted) |
| Q4 FY2025 | $312M | $155M | $1.60 (diluted) |
| Q3 FY2025 | $319M | $164M | $1.67 (diluted) |
What are the financial strengths and risks for Essent Group (ESNT)?
Short answer
Cash and short-term investments were $6.11B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $197.09M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The balance sheet rests on a massive reserve of short-term investments and cash equivalents that dwarfs outstanding debt liabilities. This liquidity pool generates reliable operating cash flow, comfortably funding consecutive dividend payouts without requiring external capital. The primary vulnerability would be a severe, synchronized downturn in residential real estate prices, which could wipe out home equity and force the company to pay out claims at a faster rate than premium income can replenish reserves.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $197.09M Jun 30, 2026
- Previous quarter · operating cash flow
- $192.04M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $197.09M | −$970,000 |
| Mar 31, 2026 | $192.04M | −$820,000 |
| Dec 31, 2025 | $229.09M | −$1.14M |
| Sep 30, 2025 | $215.86M | −$5.26M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Essent Group (ESNT)?
Short answer · as of
The next earnings report is expected on Nov 6, 2026.
Research dated 2026-09-13.
Revenue growth must outpace rising claims to satisfy current analyst models, making the upcoming earnings release a critical test of underwriting discipline. The pace at which the firm alters its dividend distribution will signal executive confidence in cash flow durability. Furthermore, ongoing filings will reveal whether the recent cluster of insider selling by executives indicates a broader shift in management sentiment or merely routine compensation management.
How does Essent Group compare with its peers?
Short answer
Essent Group's score ranks tied for 8th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Unlike traditional property and casualty insurers that must model for unpredictable natural disasters, this operation prices policies based on localized credit scores and employment trends. The addition of a reinsurance arm and title settlement services allows the enterprise to capture revenue at various stages of the homebuying transaction. This concentrated exposure to the mortgage life cycle creates incredibly high net margins during periods of economic expansion, though it links corporate fortunes entirely to domestic housing stability.
| Company | Price | Market value | Score |
|---|---|---|---|
| $27.12 Oct 5, 2026 | $5.56B | 98 5-pillar Oct 5, 2026 | |
| $45.87 Oct 5, 2026 | $6.44B | 98 5-pillar Oct 5, 2026 | |
| $39.39 Oct 5, 2026 | $3.01B | 97 5-pillar Oct 5, 2026 | |
| $94.36 Oct 5, 2026 | $33.1B | 95 5-pillar Oct 5, 2026 | |
| $95.62 Oct 5, 2026 | $6.98B | 95 5-pillar Oct 5, 2026 | |
| $266.41 Oct 5, 2026 | $13.3B | 92 5-pillar Oct 5, 2026 | |
| $61.97 Oct 5, 2026 | $6.33B | 80 5-pillar Oct 5, 2026 | |
| Essent Group (ESNT) — this page | $61.09 | $5.63B | 77 |
| $33.50 Oct 5, 2026 | $4.45B | 77 5-pillar Oct 5, 2026 | |
| $12.76 Oct 5, 2026 | $7.10B | 66 5-pillar Oct 5, 2026 | |
| $37.98 Oct 5, 2026 | $4.92B | 66 5-pillar Oct 5, 2026 | |
| $39.00 Oct 5, 2026 | $10.5B | 64 5-pillar Oct 5, 2026 | |
| $69.13 Oct 5, 2026 | $3.03B | 63 5-pillar Oct 5, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $62.00 – $80.00
- Consensus target
- $70.00
- Median target
- $68.00
Consensus record · Captured .
Measured against a quoted price of $61.09 (as of Oct 5, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026
- Transactions
- 60
- Identified insiders
- 14
- Purchases
- 0
- Sales
- 16
- Other transactions
- 44
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 96.0% Period end Jun 30, 2026
- Previous quarter · ownership
- 93.4% Prior to period end Jun 30, 2026
- Reporting holders
- 363 Period end Jun 30, 2026
- Previous quarter · holders
- 371 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 12,427,447 |
| Vanguard Portfolio Management LLC | 7,579,062 |
| Dimensional Fund Advisors LP | 5,415,221 |
| Capital World Investors | 4,538,937 |
| Vanguard Capital Management LLC | 3,990,051 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Essent Group (ESNT)?
ESNT Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does the reinsurance segment fit into the broader business?
Reinsurance operates as a companion channel, generating a smaller portion of the revenue produced by the primary mortgage insurance division. It allows the enterprise to diversify its risk pool and generate additional premium income by backing other insurers' portfolios.
Why does the enterprise market its mortgage insurance products directly to credit unions and depository institutions instead of homebuyers?
While the borrower ultimately pays the premium, the lender selects the insurance provider to satisfy regulatory and internal risk requirements. Marketing directly to these originators ensures a steady pipeline of new policies whenever loan volume expands.
How do macroeconomic shifts in housing affordability influence the core mortgage insurance segment?
Rising home prices and elevated interest rates can suppress total mortgage origination volume, directly shrinking the pool of new loans requiring coverage. Conversely, maintaining a portfolio of existing active policies during these periods provides a stable base of premium revenue even when new buyer traffic slows.
What specific protection do the master and pool policies offer to mortgage investors?
Beyond primary coverage for individual borrower defaults, these specialized contracts allow financial institutions to insure entire blocks of loans against systemic losses. This bulk risk transfer mechanism provides the critical credit enhancement needed to package and sell mortgage pools into the broader market.
What is the ESNT stock price today?
The last price recorded on this page for Essent Group Ltd. (ESNT) is $61.09, as of the Oct 5, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ESNT price target?
The analyst consensus price target for Essent Group Ltd. (ESNT) is $70.00 (range $62.00 to $80.00, median $68.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does ESNT pay a dividend?
Yes. Essent Group Ltd. (ESNT) shows a trailing 12-month dividend yield of 2.26%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (81 figures)
The 81 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
id.hq | SEC filing business address | Clarendon House, 2 Church Street, Hamilton, D0, HM 11 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "Clarendon House, Hamilton, HM, HM11, BM". |
FMP — 71 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 6, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $61.09 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T21:54:59.081Z. | |
px.change | Change on the day | +1.44% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.63B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-05. FMP quote timestamp: 2026-10-05T20:00:03.000Z. Captured from FMP at 2026-10-05T21:54:58.111Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.87 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $363M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $55.34–$70.37 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 8.33 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.01M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.76 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Mark A. Casale | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.founder | Founder named in the filing | Mark Anthony Casale — Founder, Chairman, Chief Executive Officer & President | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 518 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.03B, net result $681.78M; FY2022 revenue $1.02B, net result $831.35M; FY2023 revenue $1.13B, net result $696.39M; FY2024 revenue $1.27B, net result $729.40M; FY2025 revenue $1.26B, net result $689.97M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Reinsurance $89.59M · Mortgage Insurance Segment $1.05B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 85.0% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $362.69M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $230.32M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $329.63M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $206.72M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $312.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $0.00 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $184.53M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $318.73M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $29.18M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $199.16M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-08-07.revenue_actual | Revenue · reported — report date 2026-08-07 | $362.69M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-07.revenue_estimated | Revenue · estimate — report date 2026-08-07 | $321.62M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-07.eps_actual | EPS · reported — report date 2026-08-07 | $2.0800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-08-07.eps_estimated | EPS · estimate — report date 2026-08-07 | $1.7600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-08.revenue_actual | Revenue · reported — report date 2026-05-08 | $336.07M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-08.revenue_estimated | Revenue · estimate — report date 2026-05-08 | $297.56M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-08.eps_actual | EPS · reported — report date 2026-05-08 | $1.8200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-05-08.eps_estimated | EPS · estimate — report date 2026-05-08 | $1.7500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-13.revenue_actual | Revenue · reported — report date 2026-02-13 | $312.40M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-13.revenue_estimated | Revenue · estimate — report date 2026-02-13 | $312.62M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-13.eps_actual | EPS · reported — report date 2026-02-13 | $1.6000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-13.eps_estimated | EPS · estimate — report date 2026-02-13 | $1.7400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-07.revenue_actual | Revenue · reported — report date 2025-11-07 | $318.73M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-07.revenue_estimated | Revenue · estimate — report date 2025-11-07 | $315.61M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-07.eps_actual | EPS · reported — report date 2025-11-07 | $1.6700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-07.eps_estimated | EPS · estimate — report date 2025-11-07 | $1.7700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $6.11B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $197.09M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $441.85M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $495.97M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 0.96× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $197.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $192.04M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$970,000 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$820,000 | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $229.09M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$1.14M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $215.86M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$5.26M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $62.00 – $80.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $70.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $68.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 60 transactions · 0 purchases, 16 sales, 44 other transactions · 14 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 15, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 96.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 93.4% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 363 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 371 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 12,427,447 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 7,579,062 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Dimensional Fund Advisors LP — shares in provider snapshot | 5,415,221 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Capital World Investors — shares in provider snapshot | 4,538,937 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Capital Management LLC — shares in provider snapshot | 3,990,051 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 4 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-29 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 3.26 · Piotroski F 5 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 0.92× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $6.11B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-05. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.36 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.26% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-08-07.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($362.69M) with the recorded estimate ($321.62M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-08-07.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($2.0800) with the recorded estimate ($1.7600) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 77 of 100 · Strong · pillars 94 / 32 / 83 / 73 / 31 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 77 (stored snapshot Oct 4, 2026) → 77 (current publication computed Oct 5, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-08-07. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-08-07.revenue_actual,earn.history.depth.2026-08-07.revenue_estimated,earn.history.depth.2026-08-07.revenue_actual.comparison,earn.history.depth.2026-08-07.eps_actual.comparison,earn.history.depth.2026-08-07.eps_actual,earn.history.depth.2026-08-07.eps_estimated,earn.history.depth.2026-05-08.revenue_actual,earn.history.depth.2026-05-08.revenue_estimated,earn.history.depth.2026-05-08.eps_actual,earn.history.depth.2026-05-08.eps_estimated,earn.history.depth.2026-02-13.revenue_actual,earn.history.depth.2026-02-13.revenue_estimated,earn.history.depth.2026-02-13.eps_actual,earn.history.depth.2026-02-13.eps_estimated,earn.history.depth.2025-11-07.revenue_actual,earn.history.depth.2025-11-07.revenue_estimated,earn.history.depth.2025-11-07.eps_actual,earn.history.depth.2025-11-07.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Trailing twelve-month ratio set | Quick ratio: 0.49; Current ratio: 0.49; Debt to equity: 0.09; Net margin: 51.4%; Gross margin: 85%; Operating margin: 62%; Return on assets: 9%; Return on equity: 11.9% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Specialty The company's SEC filings classify it under SIC 6351 — Surety Insurance. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Reinsurance: $89.59M; Mortgage Insurance Segment: $1.05B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-08-07 | FMP | Financial Modeling Prep (FMP) earnings |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Cash, investments and debt | Total debt: $495.97M; Liquidity basis: cash and short-term investments; Total liabilities: $1.93B; Cash and short-term investments: $6.11B; Cash and investments: $6.55B; Long-term investments: $441.85M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-31 | FMP | Financial Modeling Prep (FMP) dividend history |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Next earnings report | Date: 2026-11-06; EPS estimate: $1.86 per share; Revenue estimate: $335.26M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
At most 3 analysts contributed — treat this as thin coverage, not a consensus. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Insider transactions, last 180 days | Net shares: -184,781; Window days: 180; Price low: $63.51; Clustered days: 2026-05-06; 2026-05-07; 2026-06-10; Price high: $70.18; Buy transactions: 0; Distinct insiders: 14; Sell transactions: 13; Other transactions: 47; Total transactions: 60; Other transaction types: G-Gift: 2, A-Award: 20, M-Exempt: 25; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-09-03 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
| Most recent periodic reports | 2026-08-07 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.