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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2772
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Insurance
$6.3B
Mark A. Casale
Essent Group Ltd. provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, master policy, and master policy. The company also provides information technology maintenance and development services.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = ESNT ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$ESNT Essent Group Ltd. | 45 | 30 | 53 | 42 | 8.1x | 6.8x | 12.3% | 9.6% | 0.0% | 66.8% | 56.2% | -0.4% | 1.9% | 29.0x | $6.3B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Essent Group Ltd. (ESNT) receives a "Reduce" rating with a composite score of 45.1/100. It ranks #2772 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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View All RatingsVerified SEC Filings Aggregate • ESNT
Direct unfiltered access to 10-K, 10-Q and 8-K filings for ESNT.
Open Regulatory DossierFigures adjusted for stock splits and restatements where applicable.
TTM (Trailing Twelve Months) data updates within 48 hours of quarterly filings.
YOY expansion rate
Core pricing power
Operating efficiency
Equity efficiency
Financial leverage
Direct cash return
In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 30 | 0NEUTRAL |
| MOMENTUM | 42 | 41 | +1NEUTRAL |
| VALUATION | 53 | 74 | -21DRAG |
| INVESTMENT | 45 | 87 | -42DRAG |
| STABILITY | 72 | 81 | -9DRAG |
| SHORT INT | 68 | 83 | -15DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 170.6% vs WACC 9.1% (spread +161.6%)
GM 0% vs sector 78%, OM 67% vs sector 18%
Capital turnover 3.12x
Rev growth -0%, 10yr history
Interest coverage 99.6x, Net debt/EBITDA 0.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Essent Group Ltd. (ESNT) as a Reduce with a composite score of 45.1/100 at a current price of $59.59. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
Essent Group Ltd. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 45.1/100 places it at rank #2772 in our full universe.
Narrow
Low
Exemplary
Fair Value
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Essent Group Ltd. represents a reduce based on multi-factor quantitative performance.
Essent Group Ltd. receives a Reduce rating from our analysis, with a composite score of 45.1/100 and 2 out of 5 stars, ranking #2772 out of 7,333 stocks. ESNT's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
ESNT's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 12.3% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 56.2% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
ESNT's value score of 53/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 8.10x, an EV/EBITDA of 6.82x, a P/B ratio of 1.00x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
With an investment score of 45/100, ESNT exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of -0.4% vs. a sector average of 10.7% and a return on assets of 9.6% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
ESNT is currently showing below-average momentum at 42/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at -0.4% year-over-year, while a beta of 0.50 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
ESNT shows good financial stability with a score of 72/100. Key stability metrics include a beta of 0.50 and a debt-to-equity ratio of 29.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
ESNT carries a short interest score of 68/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 29.00x). At $6.3B market cap (mid-cap), Essent Group Ltd. offers reasonable institutional liquidity.
ESNT offers a modest dividend yield of 1.9%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
Essent Group Ltd. is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2772 of 7,333 overall (62nd percentile). Key comparisons include ROE of 12.3% exceeding the 9.0% sector median and operating margins of 66.8% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While ESNT currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
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Improvement in Quality (30) would have the largest impact on the composite score.
EV/EBITDA 12% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 37% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Relative to Finance, Insurance, And Real Estate Median (N=1063)
Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Dates updated upon official exchange announcement.
Synthesized from recent 13F filings, Form 4 insider transactions, and outstanding short interest metrics.
Lower quality and stability scores may indicate governance concerns. Verified against factor-based integrity benchmarks.
No recent insider transactions available for ESNT
Institutional cap table data requires verified 13F filing feeds.
Access SEC 13F Dossier →Insider transaction data currently awaiting regulatory verification.
Access SEC Form 4 Dossier →Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Above 50MA
37.18%
Net New Highs
+51081

About Essent Group Ltd. Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential m

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Essent Group (ESNT) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Essent Group’s fourth quarter results prompted a significant negative market reaction, with management attributing flat revenue growth to a combination of modest new insurance activity and a stable but slow mortgage origination environment. CEO Mark Casale pointed to high persistency rates and strong credit quality as supportive factors, although he acknowledged that higher operating expenses and a slight uptick in defaults weighed on profitability. The company’s approach to capital management,
Essent Group (ESNT) shares slid after the company reported fourth quarter earnings that fell short of analyst expectations, with net premiums earned and pre tax profit margins weaker even as revenue stayed broadly stable. See our latest analysis for Essent Group. The weak fourth quarter update and softer pre tax margins have checked Essent Group’s recent momentum, with a 1 day share price return of 6.43% decline and year to date share price return of 5.03% decline. However, the 1 year total...