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Upturn AI SWOT - About
Essent Group Ltd (ESNT)
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Upturn Advisory Summary
04/01/2025: ESNT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 2.83% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.02B USD | Price to earnings Ratio 8.5 | 1Y Target Price 64 |
Price to earnings Ratio 8.5 | 1Y Target Price 64 | ||
Volume (30-day avg) 861488 | Beta 1.09 | 52 Weeks Range 51.27 - 64.65 | Updated Date 04/2/2025 |
52 Weeks Range 51.27 - 64.65 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.15% | Basic EPS (TTM) 6.85 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 58.69% | Operating Margin (TTM) 58.98% |
Management Effectiveness
Return on Assets (TTM) 8.23% | Return on Equity (TTM) 13.63% |
Valuation
Trailing PE 8.5 | Forward PE 8.5 | Enterprise Value 6381759292 | Price to Sales(TTM) 4.84 |
Enterprise Value 6381759292 | Price to Sales(TTM) 4.84 | ||
Enterprise Value to Revenue 5.04 | Enterprise Value to EBITDA - | Shares Outstanding 103353000 | Shares Floating 100311196 |
Shares Outstanding 103353000 | Shares Floating 100311196 | ||
Percent Insiders 3.36 | Percent Institutions 97.8 |
Analyst Ratings
Rating 3.62 | Target Price 63.88 | Buy 3 | Strong Buy 1 |
Buy 3 | Strong Buy 1 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Essent Group Ltd
Company Overview
History and Background
Essent Group Ltd. was founded in 2008 and is a Bermuda-based private mortgage insurer. It went public in 2013. It provides mortgage insurance and reinsurance to lenders providing mortgage credit to borrowers.
Core Business Areas
- U.S. Mortgage Insurance: Provides credit protection, primarily on a monoline basis, to mortgage lenders and investors, helping them manage risk and allowing them to serve more borrowers.
- Reinsurance: Provides reinsurance on mortgage portfolios.
Leadership and Structure
Mark Casale is the Chief Executive Officer. The company operates with a typical corporate structure including a board of directors and various executive management positions overseeing finance, operations, sales, and underwriting.
Top Products and Market Share
Key Offerings
- Mortgage Insurance: Essent's primary product. It protects lenders against losses if a borrower defaults on their mortgage. Essent is one of the largest mortgage insurers in the US. Competitors include MGIC, Radian, and National MI. Market share fluctuates, but Essent is consistently among the top 3.
Market Dynamics
Industry Overview
The mortgage insurance industry is heavily influenced by interest rates, housing prices, and overall economic conditions. Demand for mortgage insurance is closely tied to mortgage origination volume.
Positioning
Essent Group Ltd. is a leading private mortgage insurance company in the U.S., known for its strong capital position and risk management practices.
Total Addressable Market (TAM)
The TAM is the total value of mortgage insurance premiums written in the US, estimated to be in the tens of billions of dollars annually. Essent is positioned to capture a significant share of this market, dependent on housing market conditions.
Upturn SWOT Analysis
Strengths
- Strong capital position
- Effective risk management
- Experienced management team
- Established relationships with lenders
- High credit ratings
Weaknesses
- Susceptible to housing market downturns
- Dependence on mortgage origination volume
- Competition from government-backed mortgage insurers (e.g., FHA)
- Regulation
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Increased demand for private mortgage insurance due to higher loan limits
- Technological advancements (digital underwriting)
Threats
- Economic recession
- Rising interest rates
- Increased competition
- Changes in government regulations
- Housing market correction
Competitors and Market Share
Key Competitors
- MTG
- NRZ
- RDN
Competitive Landscape
Essent competes on pricing, risk management, and customer service. Its strong capital position provides a competitive advantage.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Essent has experienced growth driven by the expanding housing market in recent years.
Future Projections: Analyst projections vary, but generally expect continued growth contingent on economic stability.
Recent Initiatives: Essent has been focused on optimizing its capital structure and expanding its risk management capabilities.
Summary
Essent Group is a strong mortgage insurer with a solid capital base and effective risk management. It benefits from a favorable housing market but faces risks from economic downturns and rising interest rates. The company continues to focus on optimizing its capital structure and expanding its market share. It is well-positioned to capitalize on growth opportunities within the mortgage insurance industry, as long as housing stays stable.
Similar Companies
MTG
MGIC Investment Corp
MTG
MGIC Investment Corp
NMIH
NMI Holdings Inc
NMIH
NMI Holdings Inc
RDN
Radian Group Inc
RDN
Radian Group Inc
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q), Investor Relations materials, Financial news sources (e.g., Yahoo Finance, Bloomberg)
- Industry reports from rating agencies (e.g. S&P, Moody's)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data is approximate and based on available estimates. Consider consulting with a qualified financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Essent Group Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2013-10-31 | CEO - | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 625 | Website https://www.essentgroup.com |
Full time employees 625 | Website https://www.essentgroup.com | ||
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services, as well as risk management products. In addition, the company offers title insurance and settlement services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was incorporated in 2008 and is based in Hamilton, Bermuda.
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