Essent Group Ltd. ESNT 72.11
Financials · NYSE · Data as of 2026-08-07
Essent Group Ltd. (ESNT) has delivered +11.0% annualized revenue growth, +11.8% earnings growth, and n/a dividend growth over 10 years of data. Ranked #213 of 1968 stocks overall and #47 of 212 in the Financials sector by Steady Score.
About Essent Group Ltd.
Company Overview
Essent Group provides private mortgage insurance and related risk-management services in the United States. Mortgage insurance protects lenders and investors against a portion of losses when borrowers make low-down-payment home loans and later default. Banks, mortgage lenders and housing-finance participants obtain coverage so qualified borrowers can receive conventional mortgages with less than a twenty percent down payment.
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Business Model & Revenue
Essent earns recurring premiums on insured mortgage balances until coverage is canceled or loans repay. Profit depends on premium rates, persistency, borrower credit quality, home prices and claims. The company also uses reinsurance and capital-market risk transfer to manage exposure and regulatory capital. New insurance written builds the future premium base, while interest income is earned on invested policyholder funds.
Key Facts & Market Position
The insured portfolio is tied primarily to conforming U.S. residential mortgages and the government-sponsored enterprise market. Losses can rise when unemployment and falling home values coincide, so underwriting standards and geographic diversification matter. Eligibility requirements set by Fannie Mae, Freddie Mac and state regulators are central to market access and capital management.