Essent (ESNT)
Market Price (2/20/2026): $60.19 | Market Cap: $5.9 BilSector: Financials | Industry: Commercial & Residential Mortgage Finance
Essent (ESNT)
Market Price (2/20/2026): $60.19Market Cap: $5.9 BilSector: FinancialsIndustry: Commercial & Residential Mortgage Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.8%, FCF Yield is 14% | Weak multi-year price returns2Y Excs Rtn is -17%, 3Y Excs Rtn is -18% | Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.3% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -97% | Key risksESNT key risks include [1] adverse changes to its essential partners Fannie Mae and Freddie Mac (the GSEs), Show more. | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 66%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 65% | ||
| Low stock price volatilityVol 12M is 23% | ||
| Megatrend and thematic driversMegatrends include Financial System Resilience. Themes include Mortgage Credit Risk Management, and Housing Market Stability. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.8%, FCF Yield is 14% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -97% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 66%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 65% |
| Low stock price volatilityVol 12M is 23% |
| Megatrend and thematic driversMegatrends include Financial System Resilience. Themes include Mortgage Credit Risk Management, and Housing Market Stability. |
| Weak multi-year price returns2Y Excs Rtn is -17%, 3Y Excs Rtn is -18% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.3% |
| Key risksESNT key risks include [1] adverse changes to its essential partners Fannie Mae and Freddie Mac (the GSEs), Show more. |
Qualitative Assessment
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Essent (ESNT) stock has remained largely at the same level since 10/31/2025 because of the following key factors:
1. Share Repurchase Programs. Essent Group announced a new share repurchase program in November 2025, authorizing buybacks of up to $500 million of its shares through December 31, 2027. This followed the completion of a previous buyback where 6,049,709 shares were repurchased for $353.91 million, including a significant portion between July 1, 2025, and October 31, 2025.
2. Positive Analyst Sentiment and Price Target Increases. Multiple financial analysts upgraded their price targets for Essent Group during late 2025 and early 2026. Roth Capital raised its price target to $75 from $70 on January 2, 2026, and Goldman Sachs increased its target to $70 from $67 on January 6, 2026. JPMorgan also adjusted its price target to $66 from $65 on January 12, 2026. The consensus price target from 11 analysts is $65.64.
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1. Share Repurchase Programs. Essent Group announced a new share repurchase program in November 2025, authorizing buybacks of up to $500 million of its shares through December 31, 2027. This followed the completion of a previous buyback where 6,049,709 shares were repurchased for $353.91 million, including a significant portion between July 1, 2025, and October 31, 2025.
2. Positive Analyst Sentiment and Price Target Increases. Multiple financial analysts upgraded their price targets for Essent Group during late 2025 and early 2026. Roth Capital raised its price target to $75 from $70 on January 2, 2026, and Goldman Sachs increased its target to $70 from $67 on January 6, 2026. JPMorgan also adjusted its price target to $66 from $65 on January 12, 2026. The consensus price target from 11 analysts is $65.64.
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Stock Movement Drivers
Fundamental Drivers
The -0.1% change in ESNT stock from 10/31/2025 to 2/19/2026 was primarily driven by a -1.3% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 2192026 | Change |
|---|---|---|---|
| Stock Price ($) | 60.27 | 60.22 | -0.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,295 | 1,290 | -0.3% |
| Net Income Margin (%) | 55.2% | 54.5% | -1.3% |
| P/E Multiple | 8.4 | 8.3 | -1.1% |
| Shares Outstanding (Mil) | 100 | 97 | 2.7% |
| Cumulative Contribution | -0.1% |
Market Drivers
10/31/2025 to 2/19/2026| Return | Correlation | |
|---|---|---|
| ESNT | -0.1% | |
| Market (SPY) | 0.4% | 3.1% |
| Sector (XLF) | -0.4% | 36.0% |
Fundamental Drivers
The 8.6% change in ESNT stock from 7/31/2025 to 2/19/2026 was primarily driven by a 5.8% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2192026 | Change |
|---|---|---|---|
| Stock Price ($) | 55.44 | 60.22 | 8.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,287 | 1,290 | 0.2% |
| Net Income Margin (%) | 56.2% | 54.5% | -3.0% |
| P/E Multiple | 7.9 | 8.3 | 5.8% |
| Shares Outstanding (Mil) | 103 | 97 | 5.6% |
| Cumulative Contribution | 8.6% |
Market Drivers
7/31/2025 to 2/19/2026| Return | Correlation | |
|---|---|---|
| ESNT | 8.6% | |
| Market (SPY) | 8.6% | 7.5% |
| Sector (XLF) | -0.1% | 40.1% |
Fundamental Drivers
The 5.6% change in ESNT stock from 1/31/2025 to 2/19/2026 was primarily driven by a 8.1% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 1312025 | 2192026 | Change |
|---|---|---|---|
| Stock Price ($) | 57.04 | 60.22 | 5.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,264 | 1,290 | 2.1% |
| Net Income Margin (%) | 58.3% | 54.5% | -6.6% |
| P/E Multiple | 8.1 | 8.3 | 2.4% |
| Shares Outstanding (Mil) | 105 | 97 | 8.1% |
| Cumulative Contribution | 5.6% |
Market Drivers
1/31/2025 to 2/19/2026| Return | Correlation | |
|---|---|---|
| ESNT | 5.6% | |
| Market (SPY) | 14.7% | 41.9% |
| Sector (XLF) | 2.4% | 58.1% |
Fundamental Drivers
The 45.5% change in ESNT stock from 1/31/2023 to 2/19/2026 was primarily driven by a 63.2% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2192026 | Change |
|---|---|---|---|
| Stock Price ($) | 41.39 | 60.22 | 45.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,028 | 1,290 | 25.6% |
| Net Income Margin (%) | 84.2% | 54.5% | -35.3% |
| P/E Multiple | 5.1 | 8.3 | 63.2% |
| Shares Outstanding (Mil) | 107 | 97 | 9.7% |
| Cumulative Contribution | 45.5% |
Market Drivers
1/31/2023 to 2/19/2026| Return | Correlation | |
|---|---|---|
| ESNT | 45.5% | |
| Market (SPY) | 74.7% | 43.9% |
| Sector (XLF) | 49.2% | 63.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| ESNT Return | 7% | -13% | 39% | 5% | 22% | -6% | 57% |
| Peers Return | 14% | 13% | 38% | 19% | 17% | -2% | 139% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 1% | 83% |
Monthly Win Rates [3] | |||||||
| ESNT Win Rate | 50% | 42% | 67% | 42% | 67% | 0% | |
| Peers Win Rate | 58% | 58% | 71% | 62% | 65% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| ESNT Max Drawdown | -5% | -23% | -5% | -2% | -2% | -9% | |
| Peers Max Drawdown | -7% | -11% | -5% | -4% | -6% | -9% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: MTG, ACT, RDN, ACGL, NMIH. See ESNT Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/19/2026 (YTD)
How Low Can It Go
| Event | ESNT | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -35.1% | -25.4% |
| % Gain to Breakeven | 54.0% | 34.1% |
| Time to Breakeven | 472 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -62.9% | -33.9% |
| % Gain to Breakeven | 169.3% | 51.3% |
| Time to Breakeven | 405 days | 148 days |
| 2018 Correction | ||
| % Loss | -37.3% | -19.8% |
| % Gain to Breakeven | 59.4% | 24.7% |
| Time to Breakeven | 270 days | 120 days |
Compare to MTG, ACT, RDN, ACGL, NMIH
In The Past
Essent's stock fell -35.1% during the 2022 Inflation Shock from a high on 4/28/2021. A -35.1% loss requires a 54.0% gain to breakeven.
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About Essent (ESNT)
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 mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.
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Here are 1-2 brief analogies for Essent (ESNT):
- Like an AIG or Chubb solely dedicated to insuring residential mortgages against borrower non-payment.
- The 'Travelers' for banks' mortgage portfolios, specializing in insuring against homeowner defaults.
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- Private Mortgage Insurance (PMI): Protects mortgage lenders from credit losses when a borrower defaults on a residential mortgage loan.
- Mortgage Reinsurance: Involves assuming or ceding mortgage credit risk, allowing for diversification and capital management for insurers and reinsurers.
- Risk Management Solutions: Offers data, analytics, and technology tools to help mortgage lenders and servicers manage credit risk efficiently.
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Essent (ESNT) sells primarily to other companies.
Essent's major customers are not disclosed by specific names in their public filings. Essent serves a broad and diverse base of mortgage lenders across the United States. Based on their disclosures, their customer base primarily consists of the following categories of lending institutions:
- National Banks: Large financial institutions that originate mortgages across the country.
- Regional and Local Banks: Banks serving specific geographic areas, ranging in size from mid-tier to community banks.
- Credit Unions: Member-owned financial cooperatives that offer mortgage products to their members.
- Independent Mortgage Originators: Non-bank entities specializing in originating and funding mortgage loans.
Essent's business model emphasizes serving a wide array of these lending partners rather than relying on a concentrated number of named major clients, and specific client names are generally not disclosed due to competitive considerations and client confidentiality within the mortgage insurance industry.
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Mark A. Casale, Chief Executive Officer and Chairman
Mark A. Casale is the founder, Chief Executive Officer, and Chairman of the Board of Directors of Essent Group Ltd.. He founded Essent in 2008 with $500 million of equity funding. Mr. Casale has over 25 years of financial services experience, including senior roles in mortgage banking, mortgage insurance, bond insurance, and capital markets. Under his leadership, Essent has become a prominent mortgage insurer and reinsurer. He holds a BS in accounting from St. Joseph's University and an MBA in finance from New York University.
David Weinstock, Senior Vice President, Chief Financial Officer
David Weinstock was appointed Chief Financial Officer in March 2023, after serving as interim Chief Financial Officer since June 2022, and as Vice President and Chief Accounting Officer since 2009. He has over 25 years of experience in finance, accounting, and controls. Prior to joining Essent, Mr. Weinstock held senior management positions at Advanta Corp., including chief accounting officer and vice president of investor relations, and was also a senior manager at Arthur Andersen LLP.
Christopher G. Curran, President, Essent Guaranty, Inc.
Christopher G. Curran has served as President of Essent Guaranty since 2021, having previously been Senior Vice President of Corporate Development since 2011. He brings over 30 years of experience in mortgage insurance, mortgage banking, and financial services. Mr. Curran is responsible for leading Essent's mortgage insurance business.
Vijay Bhasin, Chief Risk Officer, Senior Vice President
Vijay Bhasin joined Essent in 2009. Previously, he served as a Managing Director at a mortgage lender.
Mary Lourdes Gibbons, Chief Legal Officer, Senior Vice President, Assistant Secretary
Mary Lourdes Gibbons has been with Essent since 2008. Prior to Essent, she held the position of Chief Legal Officer at an insurance firm.
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Key Risks to Essent (ESNT)
- Changes in or to Fannie Mae and Freddie Mac (GSEs) and Government Mortgage Insurance Programs: Essent's business is highly dependent on the continued role and eligibility requirements of Fannie Mae and Freddie Mac (the "GSEs") in the U.S. housing finance system. Any changes to these GSEs through federal legislation, restructurings, or shifts in business practices, or a failure by Essent to continue meeting their mortgage insurer eligibility requirements, poses a significant risk. Furthermore, an increase in the number of loans insured through federal government mortgage insurance programs, such as those offered by the Federal Housing Administration, could reduce the demand for Essent's private mortgage insurance.
- Deteriorating Economic Conditions and Increased Mortgage Defaults: A downturn in the U.S. economy, including factors like rising interest rates, inflation, or a decline in home values, could lead to a significant increase in mortgage defaults and delinquencies. This directly impacts Essent's financial performance through higher provision costs for potential losses. Recent financial results have shown increased provision for losses and a rise in delinquency rates, highlighting this vulnerability.
- Competition and Alternatives to Private Mortgage Insurance: Essent operates in a competitive market. The company faces risks from other private mortgage insurers, as well as from lenders or investors seeking alternatives to private mortgage insurance. This competition could lead to a decline in new insurance written, reduced market share, and pressure on pricing, ultimately impacting Essent's revenues and profitability.
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Essent Group Ltd. (ESNT) primarily operates in the private mortgage insurance (PMI) market, with reinsurance, and title insurance and settlement services also listed among its offerings.
The addressable market for Essent's main product, private mortgage insurance, is substantial both globally and within North America.
- The global private mortgage insurance market was approximately $6.1 billion in 2023 and is projected to grow to an estimated $12.4 billion by 2032, exhibiting a compound annual growth rate (CAGR) of 7.9%.
- Another estimate indicates the global private mortgage insurance market is expected to increase from $6.24 billion in 2024 to $6.84 billion in 2025, and is forecast to reach $9.71 billion by 2029.
- North America is the largest private mortgage insurance market, accounting for over 40% of the global revenue in 2024.
- In the United States, the private mortgage insurance market for new insurance written was approximately $298.9 billion in 2024, with industry forecasts anticipating a slightly larger market in 2025.
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Essent Group Ltd. (NYSE: ESNT) is anticipated to drive future revenue growth over the next two to three years through several key strategies and market dynamics:
- Growth in Insurance in Force (IIF) through New Insurance Written: Essent's core business revolves around private mortgage insurance, and a primary driver of its revenue is the expansion of its insurance in force (IIF) portfolio. This growth is directly tied to the volume of new insurance written (NIW). For example, Essent reported that its U.S. Mortgage Insurance in force reached $249 billion as of September 30, 2025, a 2% increase year-over-year. Sustained levels of new mortgage originations and Essent's ability to capture market share in this segment will be crucial for increasing its premium revenue.
- Elevated Portfolio Persistency: High persistency, meaning policies remain on Essent's books for longer periods, directly contributes to consistent earned premiums over time. Essent's management has noted that the current level of mortgage rates is expected to support elevated persistency in the near term, with a 12-month persistency rate of 86% as of September 30, 2025. This extended duration of policies helps maintain a stable base of premium revenue.
- Growth in Net Investment Income: Essent generates a portion of its revenue from its investment portfolio. The company has experienced growth in net investment income, with a 7% increase for the nine months ended September 30, 2025, compared to the same period in 2024. Management explicitly states that the current interest rate environment remains a tailwind for investment income. As interest rates influence investment returns, a favorable rate environment will continue to be a driver for this revenue component.
- Strategic Diversification through Essent Re: Essent has indicated a focus on exploring diversification through Essent Re, its reinsurance arm. This suggests a strategy to expand its reinsurance activities, potentially by offering new products or entering new markets, thereby creating additional revenue streams beyond its traditional primary mortgage insurance business. Essent Re contributed $15.9 million in premiums earned on third-party business for the third quarter of 2025.
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Share Repurchases
- Essent Group authorized a new $500 million share repurchase program through year-end 2027.
- Year-to-date through October 31, 2025, the company repurchased nearly 9 million shares for over $500 million.
- Basic shares outstanding for the quarter ending June 30, 2025, saw a 5.32% decline year-over-year.
Share Issuance
- No significant dollar amount of share issuances were identified over the last 3-5 years; the trend indicates a decrease in shares outstanding due to repurchases.
Outbound Investments
- Essent has expanded into title insurance and settlement services through acquisitions made in 2023, aiming to diversify revenue streams.
- The company engages in mortgage-related insurance and reinsurance through its Bermuda-based subsidiary, Essent Reinsurance Ltd.
- Essent Re had $2.3 billion risk in force for GSE and other risk share as of June 30, 2025.
Capital Expenditures
- Over the last 12 months (prior to November 2025), capital expenditures were minimal, recorded as -$2.19 million, implying capital release or very low spending.
- The company emphasizes investing in strategic growth initiatives.
- Essent has focused on the growth of its franchise through various economic engines, including its mortgage insurance portfolio and Essent Re.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is Essent Stock Built to Withstand a Pullback? | 10/17/2025 | |
| ESNT Dip Buy Analysis | 07/10/2025 | |
| Essent Total Shareholder Return (TSR): 7.0% in 2024 and 10.2% 3-yr compounded annual returns (below peer average) | 03/07/2025 | |
| Essent (ESNT) Operating Cash Flow Comparison | 02/17/2025 | |
| Essent (ESNT) Net Income Comparison | 02/15/2025 | |
| Essent vs. S&P500 Correlation | 10/03/2024 | |
| Essent Price Volatility | 09/24/2024 | |
| Fundamental Metrics: ... | 06/19/2024 | |
| Essendant (ESNT) Stock Has 58% Chance Of Rise In The Next One Month | 02/02/2023 | |
| Dates Cached For ESNT | 10/21/2022 | |
| ARTICLES | ||
| Small Cap Stocks Trading At 52-Week High | 12/16/2025 |
Trade Ideas
Select ideas related to ESNT.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -19.1% | -19.1% | -23.8% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.6% | -7.6% | -9.2% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -22.6% | -22.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -23.9% | -23.9% | -26.8% |
| 01022026 | ABR | Arbor Realty Trust | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | -2.9% | -2.9% | -6.7% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 40.19 |
| Mkt Cap | 5.9 |
| Rev LTM | 1,258 |
| Op Inc LTM | - |
| FCF LTM | 754 |
| FCF 3Y Avg | 706 |
| CFO LTM | 754 |
| CFO 3Y Avg | 707 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 2.3% |
| Rev Chg 3Y Avg | 6.0% |
| Rev Chg Q | -0.0% |
| QoQ Delta Rev Chg LTM | -0.0% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 58.4% |
| CFO/Rev 3Y Avg | 58.1% |
| FCF/Rev LTM | 57.9% |
| FCF/Rev 3Y Avg | 57.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.9 |
| P/S | 4.4 |
| P/EBIT | 6.4 |
| P/E | 8.1 |
| P/CFO | 7.0 |
| Total Yield | 14.4% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 13.0% |
| D/E | 0.1 |
| Net D/E | -0.6 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.1% |
| 3M Rtn | 1.1% |
| 6M Rtn | -1.6% |
| 12M Rtn | 10.2% |
| 3Y Rtn | 56.5% |
| 1M Excs Rtn | 0.2% |
| 3M Excs Rtn | 0.4% |
| 6M Excs Rtn | -8.8% |
| 12M Excs Rtn | -2.6% |
| 3Y Excs Rtn | -5.0% |
Price Behavior
Price Behavior
| Market Price | $60.22 | |
| Market Cap ($ Bil) | 5.9 | |
| First Trading Date | 10/31/2013 | |
| Distance from 52W High | -9.9% | |
| 50 Days | 200 Days | |
| DMA Price | $63.61 | $60.79 |
| DMA Trend | up | up |
| Distance from DMA | -5.3% | -0.9% |
| 3M | 1YR | |
| Volatility | 26.5% | 23.0% |
| Downside Capture | -27.50 | 31.83 |
| Upside Capture | -29.98 | 37.67 |
| Correlation (SPY) | -0.8% | 41.8% |
ESNT Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.27 | 0.21 | 0.19 | 0.26 | 0.53 | 0.67 |
| Up Beta | 2.74 | 2.21 | 1.17 | 1.27 | 0.62 | 0.72 |
| Down Beta | -0.14 | -0.18 | -0.11 | -0.17 | 0.48 | 0.59 |
| Up Capture | -35% | 5% | 20% | 25% | 36% | 39% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 17 | 29 | 60 | 130 | 401 |
| Down Capture | 39% | 4% | -5% | -2% | 56% | 87% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 11 | 23 | 31 | 64 | 120 | 348 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ESNT | |
|---|---|---|---|---|
| ESNT | 9.2% | 23.0% | 0.32 | - |
| Sector ETF (XLF) | 1.0% | 19.4% | -0.07 | 58.7% |
| Equity (SPY) | 13.0% | 19.4% | 0.51 | 41.8% |
| Gold (GLD) | 71.2% | 25.5% | 2.08 | -8.7% |
| Commodities (DBC) | 7.3% | 16.9% | 0.25 | 3.1% |
| Real Estate (VNQ) | 6.4% | 16.7% | 0.20 | 47.1% |
| Bitcoin (BTCUSD) | -30.2% | 44.9% | -0.66 | -4.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ESNT | |
|---|---|---|---|---|
| ESNT | 8.4% | 25.7% | 0.31 | - |
| Sector ETF (XLF) | 12.7% | 18.7% | 0.55 | 67.9% |
| Equity (SPY) | 13.4% | 17.0% | 0.62 | 56.2% |
| Gold (GLD) | 22.0% | 17.1% | 1.05 | 0.8% |
| Commodities (DBC) | 11.0% | 19.0% | 0.47 | 10.8% |
| Real Estate (VNQ) | 4.8% | 18.8% | 0.16 | 53.3% |
| Bitcoin (BTCUSD) | 6.9% | 57.1% | 0.34 | 21.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with ESNT | |
|---|---|---|---|---|
| ESNT | 14.9% | 38.9% | 0.49 | - |
| Sector ETF (XLF) | 14.3% | 22.2% | 0.59 | 61.8% |
| Equity (SPY) | 15.8% | 17.9% | 0.76 | 51.5% |
| Gold (GLD) | 15.0% | 15.6% | 0.80 | -3.8% |
| Commodities (DBC) | 8.7% | 17.6% | 0.41 | 18.7% |
| Real Estate (VNQ) | 6.8% | 20.7% | 0.29 | 50.5% |
| Bitcoin (BTCUSD) | 67.7% | 66.7% | 1.07 | 13.7% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/13/2026 | -6.4% | ||
| 11/7/2025 | 0.5% | 0.7% | 2.0% |
| 8/8/2025 | 5.7% | 10.2% | 12.5% |
| 5/9/2025 | -0.3% | 0.5% | -1.5% |
| 2/14/2025 | -2.6% | -3.0% | -4.8% |
| 11/1/2024 | -10.4% | -7.9% | -4.5% |
| 8/2/2024 | -2.1% | -2.9% | 5.4% |
| 5/3/2024 | 0.5% | 4.1% | 7.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 12 | 14 |
| # Negative | 12 | 12 | 10 |
| Median Positive | 1.7% | 2.0% | 4.7% |
| Median Negative | -2.2% | -3.0% | -6.2% |
| Max Positive | 5.7% | 10.2% | 42.3% |
| Max Negative | -10.4% | -7.9% | -34.6% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 02/19/2025 | 10-K |
| 09/30/2024 | 11/05/2024 | 10-Q |
| 06/30/2024 | 08/06/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 02/16/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/10/2023 | 10-Q |
| 12/31/2022 | 02/17/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/08/2022 | 10-Q |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 02/16/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Gibbons, Mary Lourdes | SVP and Chief Legal Officer | Direct | Sell | 12222025 | 67.00 | 4,352 | 291,584 | 15,939,032 | Form |
| 2 | Kasmar, Roy James | Roy J. Kasmar Living Trust U/A DTD 07/31/1990 | Sell | 11182025 | 61.44 | 3,250 | 199,680 | 1,448,325 | Form | |
| 3 | Dutt, Aditya | Direct | Sell | 11132025 | 61.49 | 3,250 | 199,842 | 1,766,116 | Form | |
| 4 | Bhasin, Vijay | SVP and Chief Risk Officer | Direct | Sell | 9222025 | 65.00 | 11,479 | 746,135 | 12,799,930 | Form |
| 5 | Gibbons, Mary Lourdes | SVP and Chief Legal Officer | Direct | Sell | 9222025 | 65.00 | 4,000 | 260,000 | 15,796,495 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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