ESNT · Essent Group Ltd.
$61.90
+0.01 (+0.02%)
At close · Oct 7
Return incl. dividend (before tax)
Market Cap
$5.49B
Shares
89.88M
Volume · Oct 7
826.15K
Avg daily vol (3M)
673.09K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$61.90
Open$61.41
Day$61.41–62.20
52W close$55.84–69.63
Avg vol 30d824K
Short int2.9M · 3.2% float · 4.6d
Short vol50%
Last earningsAug 7, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 7
Up next
Next earnings call
Nov 6, 2026
Est · unconfirmed
· in 4 wks
filed Aug 7, 2026
call held Aug 7, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
—
Trailing 12 months
Net income (TTM)
—
Trailing 12 months
Revenue growth YoY
—
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
1.7%
Trailing 12 months
Shares change YoY
—
Year over year · more shares
Price change (1Y)
+2.6%
Trailing year
Short interest
3.2%
Latest settlement · 4.6 days to cover
AI Brief
Q2 FY26 earnings call · Aug 7, 2026
Q2 FY26
TL;DR. Essent reported Q2 2026 net income of $189.7 million ($2.08/diluted share) with book value per share up 12.9% inclusive of dividends, while management flagged that affordability constraints will keep MI portfolio growth in a pause and persistency elevated.
Bullish
- + Returned substantial capital via $348M of YTD buybacks and a $0.35 quarterly dividend declared
- + Investment income from other invested assets rose sharply to $19.4 million from $10.2 million last quarter
- + Mortgage insurance expense ratio improved to 14.8% from 17.4% in the prior quarter
Bearish
- − Reinsurance combined ratio rose to 77.9% from 69.6% in the prior quarter as business mix shifted to P&C
- − Net income of $189.7 million declined from $195.3 million in the prior-year quarter despite higher EPS
- − MI loss provision of $29.4 million rose from $15.3 million in the prior-year quarter
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−2%
below
Price vs 50-day avg
−7%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
44%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−10%
trailing
6-month return
+2%
trailing
YTD return
−5%
this year
Relative strength
−9%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $67 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
3 of 363 funds reported for Sep 30 · net +25 sh shares
Insider flow
Distributing
Net -$174.3K over 90 days · 100% sells
Short interest
Rising
3.21% of float · ▲ +20.5% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
363 holders — near 3-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
+1%
Y/Y
EPS growth
+1%
Y/Y
Free cash flow
$848.7M
Valuation
P/E 8.5
below peers
Buyback
$223.3M
remaining
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−17%
past year
ATR
2.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Lloyd's program written premium
· 2026
$120M
Whole account quota share written premium
· 2026
$200M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−2%
Neutral
Price vs 50-day avg
−7%
Bearish
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
44%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $67 › 200d $63 — 50d above 200d
Institutional flow
Accumulating
3 of 363 funds reported for Sep 30 · net +25 sh shares
Insider flow
Distributing
Net -$174.3K over 90 days · 100% sells
Short interest
Rising
3.21% of float · ▲ +20.5% MoM · 4.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
363 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $56
Now $62 · 44%
Range high $70
vs 200-day avg -2%
vs 50-day avg -7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average amount paid per claim | $55K | Three Months Ended June 30, 2026 | — |
| Average cash and available-for-sale investment portfolio balance | $6.4B | Three Months Ended June 30, 2026 filing | — |
| Average insurance in force | $248.47B | Three Months Ended June 30, 2026 | — |
| Average number of employees during the period | 257 | the three months ended June 30, 2025 filing | — |
| Average reinsured mortgage risk in force | $2.07B | the three months ended June 30, 2026 filing | — |
| Base average premium rate | 0.4% | Three Months Ended June 30, 2026 | — |
| Book value per share | $63.01 | Q2 2026 | — |
| Combined ratio (Mortgage Insurance) | 28.4% | Three Months Ended June 30, 2026 | — |
| Combined ratio (Reinsurance) | 77.9% | Three Months Ended June 30, 2026 filing | — |
| Common shares repurchased | 5.8M | Year-to-date through July 31, 2026 | — |
| Cure rate | 23% | Three Months Ended June 30, 2026 | — |
| Debt-to-capital | 8.11% | Q2 2026 | — |
| Ending default inventory | 20,278 | Three Months Ended June 30, 2026 | — |
| Expense ratio (Mortgage Insurance) | 14.8% | Three Months Ended June 30, 2026 | — |
| Expense ratio (Reinsurance) | 35% | Three Months Ended June 30, 2026 | — |
| Gross average premium rate | 0.4% | Three Months Ended June 30, 2026 | — |
| Gross risk in force (end of period) | $68.47B | June 30, 2026 | — |
| IIF, end of period | $249.72B | the three months ended June 30, 2026 filing | — |
| Insurance in force (end of period) | $249.72B | June 30, 2026 | — |
| Loss ratio (Mortgage Insurance) | 13.6% | Three Months Ended June 30, 2026 | — |
| Loss ratio (Reinsurance) | 42.9% | Three Months Ended June 30, 2026 filing | — |
| Mortgage insurance in force | 249.7B | Q2 2026 | — |
| Mortgage new insurance written | 14.1B | Q2 2026 | — |
| Net average premium rate | 0.35% | Three Months Ended June 30, 2026 filing | — |
| New risk written | $3.82B | Three Months Ended June 30, 2026 | — |
| Number of claims paid | 316 | the three months ended June 30, 2026 filing | — |
| Percentage of Loans in Default | 2.53% | June 30, 2026 | — |
| Policies in force | 801,140 | June 30, 2026 | — |
| Pre-tax investment income yield | 3.99% | Three Months Ended June 30, 2026 filing | — |
| Reinsurance net premiums written | $248.8M | Six Months Ended June 30, 2026 | — |
| Return on average equity | 12.7% | Six Months Ended June 30, 2026 | — |
| Return on average equity (annualized) | 13.4% | Q2 2026 | — |
| RIF, end of period | $56.44B | the three months ended June 30, 2026 filing | — |
| Risk in force (end of period) | $56.44B | June 30, 2026 | — |
| Severity | 85% | Three Months Ended June 30, 2026 | — |
| Total amount paid for claims | $17.28M | Three Months Ended June 30, 2026 | — |
| Weighted average coverage | 27.4% | June 30, 2026 | — |
| Weighted average credit score | 751 | Three Months Ended June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Specialty — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ESNT
this stock
Essent Group Ltd.
|
$5.49B | -4.8% | +1.5% | 8.5 | 3.2% |
|
FNF
Fidelity National Financial, Inc.
|
$10.37B | -28.5% | +5.6% | — | 3.9% |
|
AXS
Axis Capital Holdings Ltd
|
$7.02B | -11.0% | +10.2% | 7.1 | 2.7% |
|
ACT
Enact Holdings, Inc.
|
$6.45B | +15.6% | +2.8% | 9.9 | 2.0% |
|
FAF
First American Financial Corp
|
$6.21B | -0.2% | +21.6% | 8.4 | 5.9% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ESNT | +6.9% | -9.7% | +1.7% | +6.9% | -4.8% |
| SPY | +1.9% | +1.9% | +10.8% | +1.9% | +14.0% |
| vs SPY | +5.0% | -11.7% | -9.1% | +5.0% | -18.8% |
Capital returns
Latest dividend
$0.35
/ share · ex Aug 31, 2026
Paid (TTM)
$1.36
/ share · 4 payouts
Dividend yield (TTM, derived)
2.20%
Buyback program
· as of Jun 30, 2026
Authorized
$500.00M
Spent (derived)
$276.70M
Remaining
$223.30M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.