Essent Group Performance degli utili passati
Criteri Il passato verificati 2/6
Essent Group ha registrato una crescita degli utili a un tasso medio annuo di 2.1%, mentre il settore Diversified Financial ha registrato utili in crescita a un tasso medio annuo di 13.5%. I ricavi sono stati in crescita a un tasso medio annuo di 6.2%. Il ritorno sul capitale proprio di Essent Group è 12% e ha margini netti di 53.6%.
Informazioni chiave
2.09%
Tasso di crescita degli utili
4.20%
Tasso di crescita dell'EPS
| Diversified Financial Crescita del settore | 6.15% |
| Tasso di crescita dei ricavi | 6.23% |
| Rendimento del capitale proprio | 12.05% |
| Margine netto | 53.64% |
| Ultimo aggiornamento sugli utili | 31 Mar 2026 |
Aggiornamenti sulle prestazioni recenti
Recent updates
Seeking Alpha • May 21
Until The Housing Market Improves, Essent Group Looks Like A Value Trap
Summary Essent Group remains rated Hold despite Q1 2026 beats, as structural headwinds persist in the private mortgage insurance sector. ESNT's top-line growth has slowed, with rising losses and expenses; recent EPS gains are largely attributable to aggressive share buybacks. Market share for new insurance written continues to decline, though persistency rates remain industry-leading at 84.7%. With a 2.3% dividend yield and forward PE of 8.38, ESNT trades at a depressed valuation, but limited near-term catalysts constrain upside. Read the full article on Seeking Alpha
Aggiornamento della narrazione • May 18
ESNT: Future Returns Will Reflect 2026 Buybacks And Earnings Power
Analysts lifted the fair value estimate for Essent Group by about $1.33 to $69.14. The change reflects recent adjustments to price targets that balance mixed target moves with updated views on revenue growth, margins, and future P/E assumptions.Aggiornamento della narrazione • Apr 27
ESNT: Future Returns Will Reflect 2026 Credit Conditions And Capital Actions
Analysts have made a modest upward adjustment to the fair value estimate for Essent Group, lifting the target by about $0.13 to $67.81 as they weigh recent mixed price target moves across major firms against relatively stable growth, profitability and P/E assumptions. Analyst Commentary Recent research on Essent Group reflects a mix of modest optimism and caution, with small target price adjustments rather than sweeping calls.Aggiornamento della narrazione • Apr 10
ESNT: Future Returns Will Depend On 2026 Credit And Capital Deployment
Analysts have trimmed the blended price target for Essent Group by a small amount, reflecting slightly lower fair value estimates around $67.69, as recent target cuts from firms at $63 sit alongside a higher $68 target. Updated assumptions for revenue growth, profit margins and future P/E multiples feed into the new view.Aggiornamento della narrazione • Mar 27
ESNT: Future Returns Will Rely On 2026 Mortgage And Credit Conditions
The analyst price target for Essent Group has been adjusted modestly lower to reflect a mix of reduced targets around $63 to $65 and higher targets up to $70, as analysts incorporate recent Q4 earnings and updated outlooks for credit conditions and mortgage activity. Analyst Commentary Recent research updates on Essent Group show a mix of cautious trimming and modest upward revisions to price targets.Aggiornamento della narrazione • Mar 11
ESNT: Future Returns Will Hinge On 2026 Mortgage And Credit Conditions
Analysts have modestly raised their blended price target on Essent Group to $68, pointing to recalibrated earnings expectations, a slightly lower discount rate, and updated P/E assumptions following recent Q4 results and sector level reviews. Analyst Commentary Recent Street research on Essent Group shows a mix of optimism and caution around the new US$68 blended price target, with different views on how much upside remains relative to execution risks and sector level trends.Aggiornamento della narrazione • Feb 23
ESNT: Future Returns Will Reflect 2026 Mortgage Conditions And Credit Risk
The analyst price target for Essent Group edges slightly lower to $68.31 from $68.63, reflecting modest adjustments to fair value and discount rate assumptions as analysts balance mixed target moves from Barclays, BofA, JPMorgan, and Goldman Sachs following recent results. Analyst Commentary Recent research on Essent Group shows a mix of cautious and constructive views, with price targets clustered in the low to high $60s and ratings ranging from Equal Weight and Neutral to Buy.Aggiornamento della narrazione • Feb 07
ESNT: Future Returns Will Reflect 2026 Credit Conditions And Mortgage Market Outlook
Narrative Update on Analyst Price Targets Analysts have made only a modest adjustment to their outlook on Essent Group, with the blended price target moving slightly given small tweaks to valuation inputs such as the discount rate and assumed future P/E. Recent Street research has clustered around a tight US$65 to US$70 target range, supported by expectations for steady sector conditions and a stable credit backdrop into 2026.Aggiornamento della narrazione • Jan 24
ESNT: Future Returns Will Hinge On Capital Returns And 2026 Credit Conditions
Analysts have raised their average price target for Essent Group by about $0.25, citing recent sector wide consumer finance updates and mixed target revisions that reflect both cautious views on credit risk and expectations for steadier mortgage and loan activity into 2026. Analyst Commentary Recent research on Essent Group reflects a generally balanced stance, with modest price target changes clustering in a tight US$65 to US$70 range and ratings that sit in the middle of the spectrum.Aggiornamento della narrazione • Jan 09
ESNT: Future Returns Will Depend On Buybacks Versus Credit Risk In 2026
Essent Group's updated analyst price target now implies a fair value of about US$68.38, up from roughly US$67.50, as analysts recalibrate their views around modest tweaks to growth, profitability, and future P/E assumptions after mixed target moves on recent Street research. Analyst Commentary Recent research on Essent Group reflects a mix of optimism and caution, with one major bank lifting its target and another trimming it slightly as they refresh their 2026 outlooks.Aggiornamento della narrazione • Dec 23
ESNT: Future Returns Will Hinge On Buyback Discipline Amid Macro Uncertainty
Analysts have nudged their price target on Essent Group slightly higher, from $67.25 to $67.50, citing modestly stronger revenue growth expectations that more than offset a marginally higher discount rate and essentially stable profitability and valuation multiples. Analyst Commentary Bullish Takeaways Bullish analysts view the higher price target as a reflection of resilient earnings power, with current valuation still seen as reasonable relative to long term growth prospects.Aggiornamento della narrazione • Dec 08
ESNT: Future Returns Will Depend On Execution Amid Larger Buyback And Macro Risks
Analysts have increased their price target on Essent Group by $4 to $71, reflecting slightly higher long term earnings expectations despite largely unchanged assumptions for fair value, discount rate, revenue growth, profit margins, and future valuation multiples. Analyst Commentary Recent research commentary reflects a generally constructive view on Essent Group, with modestly higher price targets signaling confidence in the company’s earnings power and balance sheet strength, while still acknowledging execution and macro risks.Aggiornamento della narrazione • Nov 24
ESNT: Future Returns Will Depend On Execution Amid Buybacks And Margin Headwinds
Analysts have slightly increased their price target for Essent Group from $67 to $71. This reflects ongoing confidence in the company's fundamentals despite modest adjustments to growth and margin projections.Aggiornamento della narrazione • Nov 05
ESNT: Future Results Will Depend On Sustaining Solid Credit And Expense Management
Analysts have raised their price target for Essent Group, increasing it by $4 to $71. They cite the company's solid quarterly performance and strong expense and tax management compared to peers.Aggiornamento della narrazione • Oct 22
Analysts Raise Essent Group Price Targets on Improved Credit Performance and Strong Execution
Analysts have raised their price targets for Essent Group, increasing the consensus from $67 to $71 as they cite improved credit performance, along with continued strength in expense and tax management. Analyst Commentary Following recent price target increases for Essent Group, analysts have shared insights into the core drivers affecting their updated outlooks on the firm.Aggiornamento della narrazione • Oct 08
Homeownership Trends And Digital Transformation Will Unlock Future Potential
Analysts have increased their price target for Essent Group, raising it from $66.25 to $67.50. They cite the company's improved revenue growth outlook and continued strong credit performance as key factors.Articolo di analisi • Aug 11
Earnings Beat: Essent Group Ltd. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
NYSE:ESNT 1 Year Share Price vs Fair Value Explore Essent Group's Fair Values from the Community and select yours It's...Seeking Alpha • Aug 29
Insuring Growth: Essent Group's Q2 Earnings Paint A Bright Picture
Summary Essent Group Ltd. is a Bermuda-based holding company specializing in private mortgage insurance, reinsurance, and related services, enhancing mortgage accessibility in the U.S. housing market. Since March 2018, Essent has transferred $1 billion of risk to investors via nine Radnor Re ILNs and $288 million through five XOL deals. Essent's PMI protects lenders from borrower defaults, enabling more people to obtain mortgages, especially those with smaller down payments, thus stabilizing the mortgage market. Essent also offers title insurance and settlement services, ensuring clear property titles and smoothing mortgage transactions for loan originators. Read the full article on Seeking Alpha
Nuova narrazione • Aug 28
Elevated Interest Rates And Tactical Diversifications Poised To Bolster Earnings
Favorable demographics and housing supply/demand imbalance boost the value of insured properties, potentially lowering claim rates and increasing revenues.Seeking Alpha • Dec 07
Essent: Still Worried About Unemployment
Summary ESNT is holding the line despite general pressures on its business, and offsets in the investment activities are much appreciated. Pricing is rational, and apparently, it has become secularly more disciplined over time since the revival of the industry after the GFC. However, outstanding questions around employment conditions which affect mortgages and ESNT's high price relative to historical levels make it uncompelling. Read the full article on Seeking AlphaRipartizione dei ricavi e delle spese
Ripartizione dei ricavi e delle spese
Come Essent Group guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.
Storico di utili e ricavi
| Data | Ricavi | Utili | Spese G+A | Spese di R&S |
|---|---|---|---|---|
| 31 Mar 26 | 1,279 | 686 | 127 | 0 |
| 31 Dec 25 | 1,261 | 690 | 130 | 0 |
| 30 Sep 25 | 1,264 | 703 | 134 | 0 |
| 30 Jun 25 | 1,268 | 715 | 139 | 0 |
| 31 Mar 25 | 1,262 | 723 | 141 | 0 |
| 31 Dec 24 | 1,243 | 729 | 136 | 0 |
| 30 Sep 24 | 1,238 | 737 | 134 | 0 |
| 30 Jun 24 | 1,205 | 739 | 136 | 0 |
| 31 Mar 24 | 1,152 | 707 | 123 | 0 |
| 31 Dec 23 | 1,110 | 696 | 115 | 0 |
| 30 Sep 23 | 1,029 | 668 | 108 | 0 |
| 30 Jun 23 | 1,008 | 668 | 97 | 0 |
| 31 Mar 23 | 992 | 728 | 102 | 0 |
| 31 Dec 22 | 1,001 | 831 | 100 | 0 |
| 30 Sep 22 | 1,028 | 865 | 99 | 0 |
| 30 Jun 22 | 1,049 | 892 | 101 | 0 |
| 31 Mar 22 | 1,048 | 820 | 101 | 0 |
| 31 Dec 21 | 1,029 | 682 | 21 | 0 |
| 30 Sep 21 | 1,019 | 624 | 99 | 0 |
| 30 Jun 21 | 978 | 544 | 94 | 0 |
| 31 Mar 21 | 971 | 399 | 93 | 0 |
| 31 Dec 20 | 955 | 413 | 18 | 0 |
| 30 Sep 20 | 937 | 436 | 95 | 0 |
| 30 Jun 20 | 920 | 456 | 96 | 0 |
| 31 Mar 20 | 896 | 578 | 95 | 0 |
| 31 Dec 19 | 868 | 556 | 17 | 0 |
| 30 Sep 19 | 832 | 537 | 93 | 0 |
| 30 Jun 19 | 791 | 509 | 91 | 0 |
| 31 Mar 19 | 752 | 484 | 90 | 0 |
| 31 Dec 18 | 719 | 467 | 15 | 0 |
| 30 Sep 18 | 687 | 501 | 89 | 0 |
| 30 Jun 18 | 653 | 464 | 91 | 0 |
| 31 Mar 18 | 616 | 424 | 91 | 0 |
| 31 Dec 17 | 577 | 380 | 19 | 0 |
| 30 Sep 17 | 542 | 280 | 91 | 0 |
| 30 Jun 17 | 513 | 261 | 89 | 0 |
| 31 Mar 17 | 483 | 241 | 87 | 0 |
| 31 Dec 16 | 458 | 223 | 84 | 0 |
| 30 Sep 16 | 429 | 204 | 81 | 0 |
| 30 Jun 16 | 400 | 186 | 77 | 0 |
| 31 Mar 16 | 376 | 170 | 74 | 0 |
| 31 Dec 15 | 353 | 157 | 72 | 0 |
| 30 Sep 15 | 329 | 142 | 70 | 0 |
| 30 Jun 15 | 301 | 126 | 68 | 0 |
Guadagni di qualità: ESNT ha guadagni di alta qualità.
Margine di profitto in crescita: Gli attuali margini di profitto netti di ESNT (53.6%) sono inferiori rispetto allo scorso anno (57.3%).
Flusso di cassa libero e analisi degli utili
Analisi della crescita degli utili nel passato
Andamento degli utili: Gli utili di ESNT sono cresciuti del 2.1% all'anno negli ultimi 5 anni.
Accelerare la crescita: ESNT ha avuto una crescita negativa degli utili nell'ultimo anno, quindi non può essere confrontata con la sua media quinquennale.
Guadagni vs Settore: ESNT ha avuto una crescita negativa degli utili ( -5.1% ) nell'ultimo anno, rendendo difficile il confronto con la media del settore Diversified Financial ( 8.6% ).
Rendimento del capitale proprio
ROE elevato: Il Return on Equity ( 12% ) di ESNT è considerato basso.
Rendimento delle attività
Rendimento del capitale investito
Scoprire le aziende con forti performance passate
Analisi aziendale e situazione dei dati finanziari
| Dati | Ultimo aggiornamento (ora UTC) |
|---|---|
| Analisi dell'azienda | 2026/05/22 21:42 |
| Prezzo dell'azione a fine giornata | 2026/05/22 00:00 |
| Utili | 2026/03/31 |
| Utili annuali | 2025/12/31 |
Fonti dei dati
I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.
| Pacchetto | Dati | Tempistica | Esempio Fonte USA * |
|---|---|---|---|
| Dati finanziari della società | 10 anni |
| |
| Stime di consenso degli analisti | +3 anni |
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| Prezzi di mercato | 30 anni |
| |
| Proprietà | 10 anni |
| |
| Gestione | 10 anni |
| |
| Sviluppi principali | 10 anni |
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* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.
Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.
Modello di analisi e Snowflake
I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina Github; abbiamo anche guide su come utilizzare i nostri report e tutorial su Youtube.
Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.
Metriche di settore e industriali
Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.
Fonti analitiche
Essent Group Ltd. è coperta da 18 analisti. 6 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.
| Analista | Istituzione |
|---|---|
| Mark DeVries | Barclays |
| Terry Ma | Barclays |
| Mihir Bhatia | BofA Global Research |