ESNT stock sentiment todayEssent Group Ltd.
Sentiment verdict
Gossip first, financials second — HOT at 85% confidence.
Last updated · cached analysis, refreshes periodically
ESNT
Essent Group Ltd.A premier mortgage insurer trading at a discount despite industry-leading margins and a robust housing supply-demand tailwind.
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See exactly how analyst targets, gossip sentiment and momentum are weighted into this 6-month forecast.
Sign in to go Pro →Full model breakdown (analyst / gossip / momentum weights) is a Pro feature. Modelled for ESNT. Not financial advice.
Price · last 12 months
Gossip
Market sentiment is quietly optimistic as Essent is viewed as a 'boring but beautiful' cash flow machine. Investors are focused on the resilience of the U.S. housing market and the company's ability to maintain high credit quality despite fluctuating interest rates.
- ·Expectations of a housing market 'thaw' as mortgage rates stabilize
- ·Consistent share buyback programs and dividend increases
- ·Integration of their title insurance acquisition providing revenue diversification
Financial
Essent maintains a stellar balance sheet with a low debt-to-equity ratio and industry-leading Return on Equity (ROE). Their combined ratio remains highly efficient, and their insurance-in-force (IIF) continues to grow.
- ·Price-to-Earnings (P/E) ratio ~8.5x, below historical 5-year averages
- ·ROE consistently exceeding 15%
- ·Exceptional loss ratios due to high-quality borrower overlays
Conviction
Whose money is actually in the stock — insider open-market trades and the patience of the institutional holder base.
Mixed conviction — no decisive signal from insiders or the holder base.
- ·Insiders sold a net $174K on the open market in the last 120 days.
Pro shows every named insider trade in the window (buyer, title, size, price, and whether it was a pre-scheduled 10b5-1 sale) plus the full holder register split into patient capital and fast money.
Unlock with Pro →Source: SEC EDGAR Form 4 + 13F holder register. Option exercises, grants, gifts and tax withholding are excluded — only open-market purchases and sales count. Not financial advice.
Risks
- ·Macroeconomic downturn leading to a spike in mortgage defaults
- ·Regulatory changes impacting the private mortgage insurance (PMI) industry
- ·Competition from government-backed FHA loans if premiums are lowered
Peer temperature
How direct competitors stack up against ESNT right now.
- NEUTRALMTGMGIC Investment Corp
NEUTRAL — While a legacy leader, it has slightly lower margins and slower earnings per share growth compared to Essent.
See full analysis → - NEUTRALRadian Group Inc.RDN
NEUTRAL — Offers a similar dividend yield but carries higher leverage and a more volatile expense profile.
See full analysis → - COLDACTEnact Holdings, Inc.
COLDER — Trading at a similar valuation but lacks the capital flexibility and market-share momentum of Essent.
See full analysis →
- ESNT+15.7%
- MTG+9.9%
- Radian Group Inc.—
- ACT+9.1%
Analyst price target
Consensus average of 6 analysts · median 75.00
Source: StockAnalysis.com · updated 2026-10-30
AI-generated analysis for informational purposes only. Not financial advice.