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Essent Group

ESNT

Essent Group is a financial services provider that supports the U.S. housing finance industry through private mortgage insurance, reinsurance, and title services.

Market cap
$6.12B+7.6%
Revenue$1.3B+1.4%
Net income$686.3M-5.1%
Free cash flow$818.6M-5.2%
EPS (diluted)$7.03+2.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Aug 7, 2026 (In 1 week)
Revenue estimate$321.6M
EPS estimate$1.77

Financials

Q1 2026

Income statement

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Revenue$336.1M+5.8%
Net income$171.8M-2.1%
EPS (diluted)$1.82+7.7%

Balance sheet

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Cash & equivalents$128.3M-38.4%
Total equity$5.7B+0.7%
Total assets$7.6B+5.1%

Cash flow

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Operating cash flow$192.0M-13.3%
CapEx$818.0K+270%
Free cash flow$191.2M-13.6%

Valuation & ratios

Valuation

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Market cap$6.12B+7.6%
P/E8.9×+1.0×
P/S4.8×+0.3×

Profitability

See full
Net margin53.6%-3.7pp
FCF margin64%-4.5pp

Returns & leverage

See full
Return on equity12.1%-1.2pp

Segments

By segment

See full
Mortgage Insurance$265.3M-0.1%
Reinsurance$36.0M

Competitors

Profile

Essent Group is a financial services provider that supports the U.S. housing finance industry through private mortgage insurance, reinsurance, and title services. The company enables low down payment homeownership by providing credit protection to lenders and investors, primarily facilitating the sale of mortgages into the secondary market. Its core value proposition centers on mitigating mortgage credit risk and providing private capital to stabilize the residential mortgage market.

Competitive position

Essent is a leading private mortgage insurer and a key participant in the GSE credit risk transfer market with a nationwide U.S. footprint.

GeographiesUnited States, Bermuda, United Kingdom
Customer segmentsFinancial Institutions, Government-Sponsored Enterprises, Mortgage Borrowers
Business modelB2B Insurance, Risk Management Services, Underwriting
SuppliersCapital Markets, Actuarial Data, Regulatory Approvals, Mortgage Origination Volume
CustomersFannie Mae, Freddie Mac, Mortgage Lenders, Residential Mortgage Borrowers
CountryBermuda
Listed2013
Employees526.0
CEOMark A. Casale
FilingsSEC EDGAR

Questions, answered.

What is Essent Group's market cap?
Essent Group (ESNT) has a market capitalization of $6.1B and trades on NYSE.
What is Essent Group's revenue and profitability?
Essent Group generated $1.3B in trailing twelve-month revenue with net income of $686.3M, representing a net margin of 53.6%, with free cash flow of $818.6M. These figures are based on the Q1 2026 filing.
Who are Essent Group's competitors?
Essent Group's key competitors include Enact Holdings, Inc., MGIC Investment Corp., Radian Group Inc., and others. These companies compete in similar markets and product categories.
Who does Essent Group partner with?
Essent Group's notable partners include Fannie Mae, Freddie Mac, Lloyd's of London.
What subsidiaries does Essent Group have?
Essent Group's subsidiaries include Essent Guaranty, Inc., Essent Reinsurance Ltd., Essent Title Insurance, Inc., and others.
Where is Essent Group headquartered?
Essent Group is headquartered in Bermuda and employs approximately 526 people. It has been publicly traded since 2013.