Essent Group stock
ESNTNYSEEssent Group Ltd., Financial ServicesISIN BMG3198U1027
71Score 71 out of 100, Strong
Price and trend
60 / 100
Price history
+5.5% in one yearThe chart shows daily closes over 13 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 2.8% above it.
Since July 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 44).
The price is 6.8% below its 52-week high. Largest decline in 13 years: 65% (November 2019 to March 2020).
Chart figures for advanced users
- SMA 50$65.31
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$63.15
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)44
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$55.84
- The lowest closing price of the last twelve months.
- Resistance$69.63
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Essent Group Ltd. belongs to the Insurance (Specialty) industry (Bermuda) and, with a market value of $5.71B, is number 4 of 13 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.26B (down 0.5% year on year) and earnings of $689.97M (down 5.4%).
- For fiscal 2026, analysts expect on average revenue of $1.37B (up 8.4%) and adjusted earnings per share of $7.45 (up 8.2%).
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- MEQIRI Score 71 out of 100 (Strong): rank 365 of 975 in Financial Services, median 68.
- The P/E is 8.6 (Insurance (Specialty) median 9.4, own median of recent years 8.6).
- Our model puts fair value at $88.62, with the price 27% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Below fair valuePrice 27% below the fair value of $88.62.Valuation 90
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 83
- Share buybacksShare count down 7% since 2020.Capital allocation 73
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and stability.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $68.17 and expensive above $126.61 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $105.76 (excess return model) and $71.49 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $79.81, at 7.8% it would be $101.84.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (9.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 5.4% on the twelve months before. Revenue has grown strongly since 2010, at around 42% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 65%, net 55%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 49%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 12 Feb 2027in 91 days
- Last reported
- 6 Nov 2026EPS reported $1.82 (expected $1.85)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $7.45−0.9%
- Revenue
- $1.37B+0.4%
- Earnings per share
- $7.66−1.7%
- Revenue
- $1.43B+0.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +3.2%Expectations unchanged: written premium of about $320 million for P&C reinsurance in 2026, and longer term expectations remain the same.
“We continue to expect written premium of approximately $320 million for our P&C reinsurance activity in 2026, with roughly half earned this year at a combined ratio in the high 90s.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 7 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 6 insiders sold, $17.98M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Casale MarkSale
5 Nov 2026, Chairman, CEO and President
- Shares
- 49,042
- Price
- $71.09
- Value
- $3.49M
- Weinstock David BSale
15 Sept 2026, SVP and CFO
- Shares
- 5,500
- Price
- $68.54
- Value
- $376,970
- Kasmar Roy JamesSale
14 Sept 2026, Board
- Shares
- 4,837
- Price
- $68.71
- Value
- $332,372
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- Casale MarkSale
3 Sept 2026, Chairman, CEO and President
- Shares
- 798
- Price
- $70.01
- Value
- $55,868
- Pauls Douglas JSale
24 Aug 2026, Board
- Shares
- 2,500
- Price
- $69.70
- Value
- $174,250
- Casale MarkSale
19 Aug 2026, Chairman, CEO and President
- Shares
- 21,607
- Price
- $70.07
- Value
- $1.51M
- Casale MarkSale
18 Aug 2026, Chairman, CEO and President
- Shares
- 20,246
- Price
- $70.18
- Value
- $1.42M
- Bhasin VijaySale
18 Aug 2026, SVP and Chief Risk Officer
- Shares
- 14,175
- Price
- $70.00
- Value
- $992,250
- Bhasin VijaySale
7 Aug 2026, SVP and Chief Risk Officer
- Shares
- 483
- Price
- $70.00
- Value
- $33,810
- Gibbons Mary LourdesSale
17 Jul 2026, SVP and Chief Legal Officer
- Shares
- 4,678
- Price
- $67.04
- Value
- $313,613
- Casale MarkSale
14 Jul 2026, Chairman, CEO and President
- Shares
- 78,699
- Price
- $65.23
- Value
- $5.13M
- Casale MarkSale
13 Jul 2026, Chairman, CEO and President
- Shares
- 23,900
- Price
- $65.07
- Value
- $1.56M
- Casale MarkSale
7 Jul 2026, Chairman, CEO and President
- Shares
- 29,329
- Price
- $65.35
- Value
- $1.92M
- Casale MarkSale
6 Jul 2026, Chairman, CEO and President
- Shares
- 1,245
- Price
- $65.08
- Value
- $81,025
- Casale MarkSale
30 Jun 2026, Chairman, CEO and President
- Shares
- 3,763
- Price
- $65.01
- Value
- $244,633
- Weinstock David BSale
26 Jun 2026, SVP and CFO
- Shares
- 5,500
- Price
- $63.51
- Value
- $349,305
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Essent Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 71
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Specialty)
The next larger and next smaller companies by market value
- Fidelity National FinancialFNF $11.56B64
- First American FinancialFAF $6.58B63
- Enact HoldingsACT $6.16B72
- MGIC InvestmentMTG $5.52B73
- Radian GroupRDN $4.65B75
- Assured GuarantyAGO $3.22B57
- NMI HoldingsNMIH $2.9B72
- CofaceCOFA.PA $2.67B70
ETFs that hold Essent Group
Held by 15 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.40% | 0.30% | €185.82M |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.38% | 0.39% | €1.49B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.20% | 0.30% | €2.22B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.19% | 0.30% | €4.28B |
| State Street SPDR S&P 400 U.S. Mid Cap UCITS ETF (Acc)SPY4 | 0.18% | 0.30% | €5.36B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.15% | 0.30% | €964.08M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.09% | 0.39% | €190.04M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.07% | 0.45% | €1.54B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.