Switch to:
Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash-to-Debt 0.16
NYSE:ESNT's Cash-to-Debt is ranked lower than
90% of the 1639 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.05 vs. NYSE:ESNT: 0.16 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:ESNT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: No Debt Max: No Debt
Current: 0.16
Equity-to-Asset 0.70
NYSE:ESNT's Equity-to-Asset is ranked higher than
98% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. NYSE:ESNT: 0.70 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:ESNT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.7  Med: 0.77 Max: 0.85
Current: 0.7
0.7
0.85
Debt-to-Equity 0.12
NYSE:ESNT's Debt-to-Equity is ranked higher than
87% of the 1247 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. NYSE:ESNT: 0.12 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:ESNT' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04  Med: 0.08 Max: 0.12
Current: 0.12
0.04
0.12
Debt-to-EBITDA 0.48
NYSE:ESNT's Debt-to-EBITDA is ranked higher than
91% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.03 vs. NYSE:ESNT: 0.48 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:ESNT' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.32  Med: 0.32 Max: 0.48
Current: 0.48
0.32
0.48
Interest Coverage 187.17
NYSE:ESNT's Interest Coverage is ranked higher than
94% of the 1562 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.72 vs. NYSE:ESNT: 187.17 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:ESNT' s Interest Coverage Range Over the Past 10 Years
Min: 187.17  Med: No Debt Max: No Debt
Current: 187.17
WACC vs ROIC
9.54%
20.09%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating Margin % 69.53
NYSE:ESNT's Operating Margin % is ranked higher than
96% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.07 vs. NYSE:ESNT: 69.53 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:ESNT' s Operating Margin % Range Over the Past 10 Years
Min: -438.54  Med: 44.16 Max: 69.53
Current: 69.53
-438.54
69.53
Net Margin % 50.92
NYSE:ESNT's Net Margin % is ranked higher than
93% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.99 vs. NYSE:ESNT: 50.92 )
Ranked among companies with meaningful Net Margin % only.
NYSE:ESNT' s Net Margin % Range Over the Past 10 Years
Min: -437.68  Med: 36.96 Max: 50.92
Current: 50.92
-437.68
50.92
ROE % 19.16
NYSE:ESNT's ROE % is ranked higher than
90% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. NYSE:ESNT: 19.16 )
Ranked among companies with meaningful ROE % only.
NYSE:ESNT' s ROE % Range Over the Past 10 Years
Min: -38.12  Med: 6.63 Max: 19.16
Current: 19.16
-38.12
19.16
ROA % 13.74
NYSE:ESNT's ROA % is ranked higher than
100% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. NYSE:ESNT: 13.74 )
Ranked among companies with meaningful ROA % only.
NYSE:ESNT' s ROA % Range Over the Past 10 Years
Min: -31.95  Med: 10.1 Max: 13.74
Current: 13.74
-31.95
13.74
3-Year Revenue Growth Rate -11.90
NYSE:ESNT's 3-Year Revenue Growth Rate is ranked lower than
91% of the 1479 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.20 vs. NYSE:ESNT: -11.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:ESNT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -5.95 Max: 44.9
Current: -11.9
0
44.9
3-Year EBITDA Growth Rate 0.90
NYSE:ESNT's 3-Year EBITDA Growth Rate is ranked lower than
65% of the 1396 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.90 vs. NYSE:ESNT: 0.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:ESNT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.45 Max: 324.5
Current: 0.9
0
324.5
3-Year EPS without NRI Growth Rate 51.00
NYSE:ESNT's 3-Year EPS without NRI Growth Rate is ranked higher than
95% of the 1354 Companies
in the Global Specialty Finance industry.

( Industry Median: 6.60 vs. NYSE:ESNT: 51.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:ESNT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 51
Current: 51
0
51
GuruFocus has detected 3 Warning Signs with Essent Group Ltd NYSE:ESNT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:ESNT's 30-Y Financials

Financials (Next Earnings Date: 2017-11-03)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

ESNT Guru Trades in Q4 2016

Joel Greenblatt 10,542 sh (+2.64%)
Ron Baron 597,174 sh (-1.17%)
Jerome Dodson 500,000 sh (-9.09%)
Jim Simons 721,200 sh (-14.27%)
Jeremy Grantham 238,490 sh (-17.99%)
Paul Tudor Jones 10,406 sh (-29.92%)
» More
Q1 2017

ESNT Guru Trades in Q1 2017

Ron Baron 597,174 sh (unchged)
Jerome Dodson 500,000 sh (unchged)
Paul Tudor Jones Sold Out
Joel Greenblatt 9,339 sh (-11.41%)
Jeremy Grantham 178,746 sh (-25.05%)
Jim Simons 482,800 sh (-33.06%)
» More
Q2 2017

ESNT Guru Trades in Q2 2017

Jim Simons 487,300 sh (+0.93%)
Ron Baron 597,174 sh (unchged)
Joel Greenblatt 8,614 sh (-7.76%)
Jerome Dodson 430,000 sh (-14.00%)
Jeremy Grantham 109,546 sh (-38.71%)
» More
Q3 2017

ESNT Guru Trades in Q3 2017

Jerome Dodson Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ESNT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2017-06-30 Reduce -7.76%$34.76 - $38.91 $ 43.2718%8,614
Joel Greenblatt 2017-03-31 Reduce -11.41%$31.8 - $36.84 $ 43.2725%9,339
Ron Baron 2016-12-31 Reduce -1.17%$26 - $33.59 $ 43.2747%597,174
Joel Greenblatt 2016-12-31 Add 2.64%$26 - $33.59 $ 43.2747%10,542
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Specialty Finance  
Compare:NSE:PNBHOUSING, HKSE:03360, OTCPK:FNMA, BOM:511288, NAS:TREE, BOM:511072, NSE:LICHSGFIN, NYSE:HTH, NYSE:SC, NYSE:NSM, OTCPK:FMCC, XKLS:1171, NYSE:WD, LSE:PAG, HKSE:00056, TSX:FN, NYSE:TRTX, NYSE:KREF, BOM:511196, NYSE:HTGC » details
Traded in other countries:EG0.Germany,
Headquarter Location:Bermuda
Essent Group Ltd is a housing finance provider offering credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage in the event of a default.

Essent Group is a private mortgage insurance company in the United States. Essent provides credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage and certain related expenses in the event of a default. By providing capital to mitigate mortgage credit risk, the company allows lenders to make additional mortgage financing available to prospective homeowners. Essent writes mortgage guaranty coverage in all 50 states and the District of Columbia.

Guru Investment Theses on Essent Group Ltd

Jerome Dodson Comments on Essent Group - Nov 01, 2016

Mortgage-insurer Essent Group (NYSE:ESNT) gained 22.0% from $21.81 to $26.61, contributing 53 basis points to the Fund’s return. The stock rallied, as the company reported a 20% increase in new insurance written and a 40% surge in earnings per share. This growth was generated by low interest rates, which caused a pick-up in mortgage originations, and a healthy housing market, which helped loan losses decline.

From Jerome Dodson (Trades, Portfolio)'s Parnassus Fund third-quarter 2016 commentary.

Check out Jerome Dodson latest stock trades

Top Ranked Articles about Essent Group Ltd

Insiders Roundup: Southern National Bancorp of Virginia Tops List The largest insider trades of the week
The All-in-One Screener can be used to find insider trades from the past week. Under the Insiders tab, change the settings for All Insider Buying to “$20,000+” and the duration to “December 2016” to “January 2017” and All Insider Sales to “$5,000,000+.” Read more...
Jerome Dodson Comments on Essent Group Guru stock highlight
Mortgage-insurer Essent Group (NYSE:ESNT) gained 22.0% from $21.81 to $26.61, contributing 53 basis points to the Fund’s return. The stock rallied, as the company reported a 20% increase in new insurance written and a 40% surge in earnings per share. This growth was generated by low interest rates, which caused a pick-up in mortgage originations, and a healthy housing market, which helped loan losses decline. Read more...

Ratios

vs
industry
vs
history
PE Ratio 15.40
ESNT's PE Ratio is ranked higher than
51% of the 1528 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.62 vs. ESNT: 15.40 )
Ranked among companies with meaningful PE Ratio only.
ESNT' s PE Ratio Range Over the Past 10 Years
Min: 9.97  Med: 14.24 Max: 1053
Current: 15.4
9.97
1053
Forward PE Ratio 12.08
ESNT's Forward PE Ratio is ranked higher than
79% of the 372 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.77 vs. ESNT: 12.08 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.40
ESNT's PE Ratio without NRI is ranked higher than
52% of the 1531 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.75 vs. ESNT: 15.40 )
Ranked among companies with meaningful PE Ratio without NRI only.
ESNT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.97  Med: 14.24 Max: 1053
Current: 15.4
9.97
1053
Price-to-Owner-Earnings 15.17
ESNT's Price-to-Owner-Earnings is ranked higher than
51% of the 922 Companies
in the Global Specialty Finance industry.

( Industry Median: 14.44 vs. ESNT: 15.17 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ESNT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 9.79  Med: 12.93 Max: 15.61
Current: 15.17
9.79
15.61
PB Ratio 2.69
ESNT's PB Ratio is ranked lower than
92% of the 1636 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. ESNT: 2.69 )
Ranked among companies with meaningful PB Ratio only.
ESNT' s PB Ratio Range Over the Past 10 Years
Min: 1.42  Med: 2.31 Max: 3.01
Current: 2.69
1.42
3.01
PS Ratio 7.84
ESNT's PS Ratio is ranked lower than
90% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.44 vs. ESNT: 7.84 )
Ranked among companies with meaningful PS Ratio only.
ESNT' s PS Ratio Range Over the Past 10 Years
Min: 4.45  Med: 7.18 Max: 10.94
Current: 7.84
4.45
10.94
Price-to-Free-Cash-Flow 13.75
ESNT's Price-to-Free-Cash-Flow is ranked lower than
54% of the 890 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.78 vs. ESNT: 13.75 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ESNT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 7.18  Med: 11.71 Max: 16.78
Current: 13.75
7.18
16.78
Price-to-Operating-Cash-Flow 13.63
ESNT's Price-to-Operating-Cash-Flow is ranked lower than
61% of the 957 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.35 vs. ESNT: 13.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ESNT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 7.02  Med: 11.51 Max: 16.36
Current: 13.63
7.02
16.36
EV-to-EBIT 11.31
ESNT's EV-to-EBIT is ranked higher than
58% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.71 vs. ESNT: 11.31 )
Ranked among companies with meaningful EV-to-EBIT only.
ESNT' s EV-to-EBIT Range Over the Past 10 Years
Min: 6.4  Med: 10.6 Max: 28.9
Current: 11.31
6.4
28.9
EV-to-EBITDA 11.18
ESNT's EV-to-EBITDA is ranked higher than
54% of the 1254 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.38 vs. ESNT: 11.18 )
Ranked among companies with meaningful EV-to-EBITDA only.
ESNT' s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.3  Med: 10.4 Max: 27.9
Current: 11.18
6.3
27.9
EV-to-Revenue 7.93
ESNT's EV-to-Revenue is ranked lower than
79% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.22 vs. ESNT: 7.93 )
Ranked among companies with meaningful EV-to-Revenue only.
ESNT' s EV-to-Revenue Range Over the Past 10 Years
Min: 4.1  Med: 7.1 Max: 12.8
Current: 7.93
4.1
12.8

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -2.50
ESNT's 3-Year Average Share Buyback Ratio is ranked lower than
52% of the 1129 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 vs. ESNT: -2.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ESNT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -34.1  Med: -1.25 Max: 0
Current: -2.5
-34.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.70
ESNT's Price-to-Tangible-Book is ranked lower than
88% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. ESNT: 2.70 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ESNT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.63  Med: 2.26 Max: 2.88
Current: 2.7
1.63
2.88
Price-to-Median-PS-Value 1.09
ESNT's Price-to-Median-PS-Value is ranked higher than
63% of the 1469 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. ESNT: 1.09 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ESNT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.7  Med: 0.97 Max: 1.46
Current: 1.09
0.7
1.46
Price-to-Graham-Number 1.36
ESNT's Price-to-Graham-Number is ranked lower than
73% of the 1429 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.95 vs. ESNT: 1.36 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ESNT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.88  Med: 1.21 Max: 10.05
Current: 1.36
0.88
10.05
Earnings Yield (Greenblatt) % 8.82
ESNT's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.51 vs. ESNT: 8.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ESNT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 3.5  Med: 9.5 Max: 15.6
Current: 8.82
3.5
15.6

More Statistics

Revenue (TTM) (Mil) $512.83
EPS (TTM) $ 2.81
Beta1.22
Short Percentage of Float1.20%
52-Week Range $25.84 - 45.10
Shares Outstanding (Mil)93.42

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 568 721 884
EPS ($) 3.03 3.69 4.91
EPS without NRI ($) 3.03 3.69 4.91
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}