Tearsheet

Essent (ESNT)

Market Price (4/22/2026): $63.2 | Market Cap: $6.1 Bil
Sector: Financials | Industry: Commercial & Residential Mortgage Finance

Essent (ESNT)

Market Price (4/22/2026): $63.2
Market Cap: $6.1 Bil
Sector: Financials
Industry: Commercial & Residential Mortgage Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.5%, FCF Yield is 14%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -95%

Attractive cash flow generation
CFO/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 66%

Low stock price volatility
Vol 12M is 21%

Megatrend and thematic drivers
Megatrends include Financial System Resilience. Themes include Mortgage Credit Risk Management, and Housing Market Stability.

Trading close to highs
Dist 52W High is -4.9%, Dist 3Y High is -4.9%

Weak multi-year price returns
2Y Excs Rtn is -15%, 3Y Excs Rtn is -9.5%

Weak revenue growth
Rev Chg QQuarterly Revenue Change % is -0.7%

Key risks
ESNT key risks include [1] adverse changes to its essential partners Fannie Mae and Freddie Mac (the GSEs), Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.0%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.5%, FCF Yield is 14%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -95%
2	Attractive cash flow generation CFO/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 66%
3	Low stock price volatility Vol 12M is 21%
4	Megatrend and thematic drivers Megatrends include Financial System Resilience. Themes include Mortgage Credit Risk Management, and Housing Market Stability.
5	Trading close to highs Dist 52W High is -4.9%, Dist 3Y High is -4.9%
6	Weak multi-year price returns 2Y Excs Rtn is -15%, 3Y Excs Rtn is -9.5%
7	Weak revenue growth Rev Chg QQuarterly Revenue Change % is -0.7%
8	Key risks ESNT key risks include [1] adverse changes to its essential partners Fannie Mae and Freddie Mac (the GSEs), Show more.

Valuation, Metrics & Events

	4/22/26	2025	2024	2023	2022
Share Price CYE	$63.20	$65.01	$54.44	$52.74	$38.88
Market Cap CYE ($ Bil)	6.1	6.2	5.7	5.6	4.2
Total Debt ($ Bil)	0.5	0.5	0.5	0.4	0.4
Total Cash ($ Bil)	6.2	6.2	6.0	5.4	4.8
Enterprise Value ($ Bil)	0.3	6.7	6.2	6.0	4.6
Valuation Ratios
P/S TTM	4.7	4.8	4.5	4.9	4.1
P/EBIT TTM	7.1	7.3	6.4	6.5	4.1
P/E TTM	8.8	9.0	7.8	8.0	5.0
P/FCF TTM	7.1	7.3	6.8	7.3	7.1
Sector Ratios
P/S TTM (Sector)	3.3	3.1	3.1	2.7	2.7
P/EBIT TTM (Sector)	6.9	6.7	8.1	7.1	6.7
P/E TTM (Sector)	11.7	11.0	11.4	9.8	9.2
P/FCF TTM (Sector)	8.9	8.6	8.9	7.7	6.4

	4/22/26	2025	2024
Share Price CYE	$63.20	$65.01	$54.44
Market Cap CYE ($ Bil)	6.1	6.2	5.7
Total Debt ($ Bil)	0.5	0.5	0.5
Total Cash ($ Bil)	6.2	6.2	6.0
Enterprise Value ($ Bil)	0.3	6.7	6.2
Valuation Ratios
P/S TTM	4.7	4.8	4.5
P/EBIT TTM	7.1	7.3	6.4
P/E TTM	8.8	9.0	7.8
P/FCF TTM	7.1	7.3	6.8
Sector Ratios
P/S TTM (Sector)	3.3	3.1	3.1
P/EBIT TTM (Sector)	6.9	6.7	8.1
P/E TTM (Sector)	11.7	11.0	11.4
P/FCF TTM (Sector)	8.9	8.6	8.9

	ESNT	S&P 500
REVENUE GROWTH
Rev LTM ($ Bil)	1.3
Rev Chg Q	-0.7%	7.5%
Rev Chg LTM	1.7%	6.9%
Rev Chg 3Y Avg	8.3%	5.7%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.9
Net Inc LTM ($ Bil)	0.7
CFO/Rev LTM	66.5%	20.6%
Net Inc Mgn	53.6%	12.8%
VALUATION	LOW
P/S	4.7	3.3
P/CFO	7.1	15.7
P/FCF	7.1	20.4
P/E	8.8	24.4

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Metric	Value	Date	Source
New insurance written	$12.2 billion	9302025	Link
Insurance in force	$248.8 billion	9302025	Link
Annual persistency rate	86.0%	9302025	Link
Default rate	2.29%	9302025	Link
Number of loans in default	18,583	9302025	Link
Combined Ratio	33.9%	9302025	Link

Upcoming
5/08/2026	Earnings Release	Rev: $307 Mil (E) EPS: $1.72 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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Essent (ESNT) stock has remained largely at the same level since 12/31/2025 because of the following key factors:

1. Essent Group (ESNT) reported a miss on its Q4 2025 earnings per share and revenue. The company announced Q4 2025 EPS of $1.60 on February 14, 2026, falling short of the consensus estimate of $1.74 by $0.14. Quarterly revenue also missed analysts' expectations, coming in at $312.40 million against an estimated $312.62 million. This earnings miss raised concerns about the company's near-term profitability, contributing to a post-earnings share price pullback of approximately 12%.

2. The company experienced declines in key mortgage insurance metrics and persistency rates. New insurance written (NIW) for the fourth quarter of 2025 was $11.8 billion, a decrease from $12.2 billion in both the prior quarter and the same quarter of the previous year. Mortgage insurance in force (IIF) also slightly declined to $248.4 billion as of December 31, 2025, from $248.8 billion as of September 30, 2025. Furthermore, Essent's persistency rates fell to 85.7% in Q4 from 86.6% in Q3, suggesting challenges in customer retention. The company also reported a 4.3% year-over-year decline in title insurance net premiums earned, primarily due to reduced housing transaction activity.

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Stock Movement Drivers

Fundamental Drivers

The -2.2% change in ESNT stock from 12/31/2025 to 4/21/2026 was primarily driven by a -2.1% change in the company's P/E Multiple.

(LTM values as of)	12312025	4212026	Change
Stock Price ($)	64.62	63.17	-2.2%
Change Contribution By:
Total Revenues ($ Mil)	1,290	1,288	-0.2%
Net Income Margin (%)	54.5%	53.6%	-1.7%
P/E Multiple	9.0	8.8	-2.1%
Shares Outstanding (Mil)	97	96	1.7%
Cumulative Contribution			-2.2%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/21/2026

	Return	Correlation
ESNT	-2.2%
Market (SPY)	-5.4%	9.7%
Sector (XLF)	-4.5%	45.2%

Fundamental Drivers

The 0.5% change in ESNT stock from 9/30/2025 to 4/21/2026 was primarily driven by a 4.5% change in the company's Shares Outstanding (Mil).

(LTM values as of)	9302025	4212026	Change
Stock Price ($)	62.86	63.17	0.5%
Change Contribution By:
Total Revenues ($ Mil)	1,295	1,288	-0.5%
Net Income Margin (%)	55.2%	53.6%	-3.0%
P/E Multiple	8.8	8.8	-0.4%
Shares Outstanding (Mil)	100	96	4.5%
Cumulative Contribution			0.5%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/21/2026

	Return	Correlation
ESNT	0.5%
Market (SPY)	-2.9%	5.7%
Sector (XLF)	-2.6%	44.4%

Fundamental Drivers

The 11.8% change in ESNT stock from 3/31/2025 to 4/21/2026 was primarily driven by a 9.6% change in the company's Shares Outstanding (Mil).

(LTM values as of)	3312025	4212026	Change
Stock Price ($)	56.50	63.17	11.8%
Change Contribution By:
Total Revenues ($ Mil)	1,267	1,288	1.7%
Net Income Margin (%)	57.6%	53.6%	-7.0%
P/E Multiple	8.1	8.8	7.8%
Shares Outstanding (Mil)	105	96	9.6%
Cumulative Contribution			11.8%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/21/2026

	Return	Correlation
ESNT	11.8%
Market (SPY)	16.3%	42.5%
Sector (XLF)	6.1%	58.7%

Fundamental Drivers

The 67.8% change in ESNT stock from 3/31/2023 to 4/21/2026 was primarily driven by a 81.1% change in the company's P/E Multiple.

(LTM values as of)	3312023	4212026	Change
Stock Price ($)	37.64	63.17	67.8%
Change Contribution By:
Total Revenues ($ Mil)	1,018	1,288	26.5%
Net Income Margin (%)	81.6%	53.6%	-34.4%
P/E Multiple	4.8	8.8	81.1%
Shares Outstanding (Mil)	107	96	11.6%
Cumulative Contribution			67.8%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/21/2026

	Return	Correlation
ESNT	67.8%
Market (SPY)	63.3%	41.5%
Sector (XLF)	69.9%	61.1%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
ESNT Return	7%	-13%	39%	5%	22%	-3%	61%
Peers Return	14%	13%	38%	19%	17%	1%	147%
S&P 500 Return	27%	-19%	24%	23%	16%	4%	89%
Monthly Win Rates [3]
ESNT Win Rate	50%	42%	67%	42%	67%	25%
Peers Win Rate	58%	58%	71%	62%	65%	55%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
ESNT Max Drawdown	-5%	-23%	-5%	-2%	-2%	-12%
Peers Max Drawdown	-7%	-11%	-5%	-4%	-6%	-9%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[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 4/21/2026 (YTD)

How Low Can It Go

Unique Key	Event	ESNT	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-35.1%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	54.0%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	472 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-62.9%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	169.3%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	405 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-37.3%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	59.4%	24.7%
2018 CorrectionTime to Breakeven	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)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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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Essent is like Chubb for mortgage lenders, insuring them against borrower defaults.

Think of Essent as a private sector Fannie Mae focused on insuring banks' mortgage loans.

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Mortgage Insurance: Provides private mortgage insurance and reinsurance (including primary, pool, and master policies) to protect lenders against financial losses from mortgage defaults on residential properties.
Information Technology Services: Offers maintenance and development services related to information technology.
Customer Support Services: Provides services focused on customer assistance and support.
Underwriting Consulting: Delivers advisory services pertaining to mortgage underwriting processes.
Contract Underwriting Services: Offers outsourced underwriting services for residential mortgage loans on a contractual basis.

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Essent Group Ltd. (ESNT) primarily sells its private mortgage insurance and reinsurance products to other companies. Based on the provided background information, Essent serves the originators of residential mortgage loans, which include the following categories of customers:

Regulated depository institutions
Mortgage banks
Credit unions
Other lenders

The provided background information does not list the specific names of major customer companies.

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Mark A. Casale, CEO & Chairman

Mr. Casale is the founder, Chief Executive Officer, and Chairman of the Board of Directors of Essent Group Ltd.. He has over 25 years of experience in financial services, including senior roles in mortgage banking, mortgage insurance, bond insurance, and capital markets. Mr. Casale founded Essent Group Ltd. in 2008 with $500 million of equity funding. Under his leadership, Essent has grown significantly and manages approximately $240 billion of insurance in force.

David Weinstock, Senior Vice President, Chief Financial Officer

Mr. 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 brings over 25 years of experience in finance, accounting, and controls. Before joining Essent, Mr. Weinstock held senior management positions at Advanta Corp., including chief accounting officer and vice president of investor relations. He began his career as a senior manager at Arthur Andersen LLP.

Christopher G. Curran, President, Essent Guaranty, Inc.

Mr. Curran has served as President of Essent Guaranty since 2021, having previously been Senior Vice President of Corporate Development since 2011. He has over 30 years of experience in mortgage insurance, mortgage banking, and financial services. As President, Mr. Curran oversees Essent's mortgage insurance business, including risk management, business development, information technology, operations, marketing, and public policy. He began his career as a CPA with Arthur Andersen LLP, specializing in financial services.

Paul Wollmann, President and Chief Underwriting Officer, Essent Reinsurance Ltd.

Mr. Wollmann has served as President and Chief Underwriting Officer of Essent Reinsurance Ltd. since May 2021, and has been with Essent Re since 2009. He has extensive experience in structured finance and reinsurance. Prior to joining Essent Re, he was a managing director, structured & asset-backed finance at RAM Holdings Ltd. from 2007 to 2009. Mr. Wollmann was also a managing director at RCS Limited and Ritchie Capital Management (Bermuda) Limited, alternative asset management firms, from 2004 to 2007.

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Here are the key risks to Essent Group Ltd. (ESNT):

Market Volatility and Economic Uncertainty: Essent's business is highly susceptible to fluctuations in the broader economic environment and housing market. Factors such as interest rate changes, unemployment rates, and shifts in housing values directly influence the demand for mortgage insurance, the value of the company's investment portfolio, and the frequency and severity of claims and loss reserves. Economic downturns or instability can lead to reduced mortgage originations and increased borrower delinquencies.
Regulatory Changes and Government-Sponsored Enterprises (GSEs): As a private mortgage insurer, Essent operates within a highly regulated industry. Changes in federal legislation or policies, particularly those affecting Fannie Mae and Freddie Mac (GSEs), or alterations to mortgage insurer eligibility requirements, could significantly impact Essent's operations, market position, and profitability.
Credit Quality Deterioration and Intense Competition: The company faces risks associated with the credit quality of insured mortgages, including rising delinquency rates which necessitate higher loss provisions and directly impact profitability. This risk is compounded by an intensely competitive landscape, where rivals may employ aggressive pricing strategies or relaxed underwriting guidelines to gain market share, potentially eroding Essent's position and pressuring its financial performance.

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The addressable markets for Essent Group Ltd.'s main products and services are in the United States.

Private Mortgage Insurance (PMI)

The U.S. private mortgage insurance (PMI) market is a significant component of the housing finance system. At the end of 2023, the industry insured nearly $1.6 trillion in outstanding mortgages with active private MI coverage. In 2024, private mortgage insurers supported approximately $300 billion in mortgage originations. Globally, the private mortgage insurance market is projected to reach $6.84 billion in 2025 and is forecast to grow to $9.71 billion by 2029. North America currently represents the largest share of the global PMI market.

Mortgage Reinsurance

The U.S. mortgage reinsurance market facilitates the transfer of credit risk for private mortgage insurers. U.S. private mortgage insurers consistently cede a meaningful portion of their premiums to reinsurance. In 2024, the average amount of premiums ceded by private mortgage insurers was 31.5%. Since 2015, the private mortgage insurance industry has transferred nearly $80.7 billion in risk exposure through various credit risk transfer mechanisms, including insurance-linked notes and traditional reinsurance transactions. This includes the transfer of over $75.2 billion in risk on more than $3.5 trillion of insurance-in-force (IIF) through MI Credit Risk Transfer (MI-CRT) structures.

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Here are 3-5 expected drivers of future revenue growth for Essent Group Ltd. (ESNT) over the next 2-3 years:

Growth in Mortgage Insurance in Force and New Insurance Written: Essent's core business relies on its mortgage insurance portfolio. While the near-term mortgage origination market may experience modest growth due to high interest rates, the long-term outlook remains positive due to favorable demographic trends, particularly millennials entering the first-time homebuyer age. The company has consistently shown an increase in its mortgage insurance in force.
Increased Net Investment Income: Essent maintains a substantial consolidated cash and investment portfolio. The company has seen increases in its net investment income, driven by a modest increase in the overall portfolio yield, with new money yields around 5%. This strong investment performance is expected to continue contributing to revenue.
Expansion of Reinsurance Activities (Essent Re): Essent is expanding its reinsurance operations, particularly through Essent Re. Notably, the company entered into quota share reinsurance agreements to reinsure certain property and casualty (P&C) risks in the Lloyd's market, effective in the first quarter of 2026. These agreements are expected to generate $100 million-$150 million in written premium in 2026, with approximately two-thirds expected to be earned in the same year. This expansion provides a new avenue for revenue growth and diversification.
High Persistency Rates: Elevated mortgage interest rates are anticipated to maintain high persistency rates for Essent's existing mortgage insurance policies in the near term. High persistency means policyholders are less likely to refinance or move, keeping existing insurance policies in force longer and contributing to a stable stream of earned premiums.

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Share Repurchases

In January 2026, Essent Group authorized a new $500 million share repurchase program extending through year-end 2027.
The company repurchased 9.9 million common shares for $576 million in 2025.
Year-to-date through October 31, 2025, Essent repurchased nearly 9 million shares for over $500 million.

Outbound Investments

Essent acquired Agents National Title Holding Company and Boston National Holdings LLC in 2023 or 2024, thereby expanding its service portfolio into title insurance and settlement services.
Essent Re strategically entered the Lloyd's of London market and initiated new property & casualty reinsurance agreements effective in 2026, as part of a diversification strategy.
These P&C reinsurance agreements through Essent Re are expected to generate between $100 million and $150 million in written premium for 2026.

Capital Expenditures

Essent's capital expenditures were approximately $4.002 million in 2024 and $6.766 million in 2025.
Projected capital expenditures for 2026 are approximately $7.364 million.
Capital expenditures include technology investments, such as EssentEDGE, focused on enhancing underwriting processes, risk assessment, and customer service.

Interactive Breakdown

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Better Bets vs. Essent (ESNT)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Is Essent Stock Built to Withstand a Pullback?	10/17/2025
2	ESNT Dip Buy Analysis	07/10/2025
3	Essent Total Shareholder Return (TSR): 7.0% in 2024 and 10.2% 3-yr compounded annual returns (below peer average)	03/07/2025
4	Essent (ESNT) Operating Cash Flow Comparison	02/17/2025
5	Essent (ESNT) Net Income Comparison	02/15/2025
6	Essent vs. S&P500 Correlation	10/03/2024
7	Essent Price Volatility	09/24/2024
8	Fundamental Metrics: ...	06/19/2024
9	Essendant (ESNT) Stock Has 58% Chance Of Rise In The Next One Month	02/02/2023
10	Dates Cached For ESNT	10/21/2022
11	ARTICLES
12	Small Cap Stocks Trading At 52-Week High	12/16/2025

	Title
0	DASHBOARDS
1	Is Essent Stock Built to Withstand a Pullback?
2	ESNT Dip Buy Analysis
3	Essent Total Shareholder Return (TSR): 7.0% in 2024 and 10.2% 3-yr compounded annual returns (below peer average)
4	Essent (ESNT) Operating Cash Flow Comparison
5	Essent (ESNT) Net Income Comparison
6	Essent vs. S&P500 Correlation
7	Essent Price Volatility
8	Fundamental Metrics: ...
9	Essendant (ESNT) Stock Has 58% Chance Of Rise In The Next One Month
10	Dates Cached For ESNT
11	ARTICLES
12	Small Cap Stocks Trading At 52-Week High

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USAR	USA Rare Earth	2.3	34.5%	92.0%
BETR	Better Home & Finance	0.7	34.0%	42.9%
BAND	Bandwidth	0.7	32.3%	53.7%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
IIIN	Insteel Industries	0.5	-34.3%	-21.9%
QDEL	QuidelOrtho	0.8	-30.5%	-57.8%
ANAB	AnaptysBio	1.4	-26.2%	6.9%
BMI	Badger Meter	3.6	-25.1%	-30.5%
AGIO	Agios Pharmaceuticals	1.5	-21.1%	-3.4%
LCID	Lucid	2.3	-19.2%	-32.7%
IAG	Iamgold	9.7	-18.4%	2.1%
MDXG	MiMedx	0.5	-18.4%	-52.7%
ORLA	Orla Mining	4.8	-18.3%	8.1%
WASH	Washington Trust Bancorp	0.6	-17.7%	5.2%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
BCPC	Balchem	5.6	647.6%	14.6%
CAR	Avis Budget	25.1	614.7%	456.4%
AEHR	Aehr Test Systems	2.8	171.5%	364.2%
APLS	Apellis Pharmaceuticals	5.2	137.9%	63.0%
SGML	Sigma Lithium	2.4	135.4%	61.4%
CBIO	Crescent Biopharma	0.7	125.4%	107.2%
CODI	Compass Diversified	0.9	111.6%	146.0%
KOD	Kodiak Sciences	2.4	107.4%	65.0%
MXL	MaxLinear	2.9	103.5%	93.3%
SATL	Satellogic	0.9	100.8%	285.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
REPL	Replimune	0.2	-73.4%	-80.9%
PIPR	Piper Sandler Cos	6.1	-69.0%	9.5%
VRDN	Viridian Therapeutics	1.3	-47.1%	-54.1%
MAZE	Maze Therapeutics	1.2	-46.5%	-38.0%
BUR	Burford Capital	1.0	-41.2%	-49.2%
WVE	WAVE Life Sciences	1.3	-37.6%	-56.8%
TASK	TaskUs	0.7	-30.5%	-6.2%
FRMI	Fermi	3.0	-29.7%	-36.8%
LCID	Lucid	2.3	-29.3%	-32.7%
BTU	Peabody Energy	3.3	-27.5%	-8.8%

Peer Comparisons

Peers to compare with:

Financials

	ESNT	MTG	ACT	RDN	ACGL	NMIH	Median
Name	Essent	MGIC Inv.	Enact	Radian	Arch Cap.	NMI
Mkt Price	63.17	27.98	43.23	35.37	98.85	39.78	41.50
Mkt Cap	6.0	6.2	6.2	4.8	35.5	3.1	6.1
Rev LTM	1,288	1,214	1,236	1,225	19,294	706	1,231
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	849	852	725	116	6,128	413	787
FCF 3Y Avg	817	762	681	-13	6,149	378	722
CFO LTM	856	853	725	120	6,172	419	789
CFO 3Y Avg	827	764	681	-5	6,198	385	722

Growth & Margins

	ESNT	MTG	ACT	RDN	ACGL	NMIH	Median
Name	Essent	MGIC Inv.	Enact	Radian	Arch Cap.	NMI
Rev Chg LTM	1.7%	0.5%	2.8%	-0.8%	14.0%	8.5%	2.2%
Rev Chg 3Y Avg	8.3%	1.2%	4.1%	1.0%	26.5%	10.5%	6.2%
Rev Chg Q	-0.7%	-0.9%	3.6%	1.6%	5.6%	8.5%	2.6%
QoQ Delta Rev Chg LTM	-0.2%	-0.2%	0.9%	0.4%	1.3%	2.1%	0.6%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	66.5%	70.3%	58.6%	9.8%	32.0%	59.4%	59.0%
CFO/Rev 3Y Avg	67.3%	64.0%	56.8%	0.3%	38.2%	59.7%	58.3%
FCF/Rev LTM	65.9%	70.2%	58.6%	9.4%	31.8%	58.4%	58.5%
FCF/Rev 3Y Avg	66.6%	63.9%	56.8%	-0.3%	37.9%	58.5%	57.6%

Valuation

	ESNT	MTG	ACT	RDN	ACGL	NMIH	Median
Name	Essent	MGIC Inv.	Enact	Radian	Arch Cap.	NMI
Mkt Cap	6.0	6.2	6.2	4.8	35.5	3.1	6.1
P/S	4.7	5.1	5.0	4.0	1.8	4.3	4.5
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	7.1	6.5	6.9	5.7	6.9	5.8	6.7
P/E	8.8	8.4	9.3	8.3	8.1	7.8	8.4
P/CFO	7.1	7.3	8.6	40.4	5.8	7.3	7.3
Total Yield	13.4%	14.0%	12.7%	15.0%	12.4%	12.7%	13.1%
Dividend Yield	2.0%	2.1%	1.9%	3.0%	0.0%	0.0%	2.0%
FCF Yield 3Y Avg	14.0%	12.9%	13.4%	-0.0%	19.2%	-	13.4%
D/E	0.1	0.1	0.1	0.2	0.1	0.1	0.1
Net D/E	-0.9	-0.9	-0.3	-1.0	-0.2	-0.0	-0.6

Returns

	ESNT	MTG	ACT	RDN	ACGL	NMIH	Median
Name	Essent	MGIC Inv.	Enact	Radian	Arch Cap.	NMI
1M Rtn	10.5%	9.0%	7.5%	8.9%	7.1%	8.2%	8.5%
3M Rtn	4.5%	6.8%	13.0%	7.3%	7.7%	5.3%	7.1%
6M Rtn	6.3%	4.1%	21.2%	5.6%	12.7%	8.8%	7.5%
12M Rtn	20.1%	22.2%	27.9%	17.7%	10.1%	20.3%	20.2%
3Y Rtn	60.6%	109.6%	95.3%	66.2%	45.0%	18.7%	63.4%
1M Excs Rtn	1.9%	0.5%	-1.1%	0.4%	-1.5%	-0.4%	-0.0%
3M Excs Rtn	0.6%	2.9%	9.1%	3.4%	3.7%	1.4%	3.1%
6M Excs Rtn	1.3%	-0.9%	17.0%	2.5%	8.3%	5.2%	3.9%
12M Excs Rtn	-16.6%	-14.7%	-8.2%	-18.4%	-26.9%	-15.6%	-16.1%
3Y Excs Rtn	-9.5%	41.1%	22.2%	-5.4%	-22.7%	-52.1%	-7.4%

FDIC Bank Data

Bank Capital

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Bank Deposits

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Bank Assets

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Bank Loans

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FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	2/18/2026	2/18/2026	2/19/2025	2/16/2024	2/17/2023	2/16/2022	2/26/2021
Key Financials
Total Revenue	1,288	1,288	1,267	1,131	1,018	1,029	955
Net Income	690	690	729	696	831	682	413
EPS	6.97	6.97	6.92	6.56	7.75	6.13	3.89
Growth Rates
Total Revenue Growth	1.7%	1.7%	12.0%	11.1%	-1.0%	7.7%	10.1%
Net Income Growth	-5.4%	-5.4%	4.7%	-16.2%	21.9%	65.1%	-25.7%
Margins
Net Income Margin	53.6%	53.6%	57.6%	61.6%	81.6%	66.3%	43.2%
Cash & Debt
Total Cash	6,227	6,227	6,008	5,406	4,823	5,044	4,668
Total Debt	495	495	494	422	421	420	322
Net Debt / (Cash)	-5,732	-5,732	-5,514	-4,984	-4,402	-4,625	-4,346
Cash Flows
Net Cash from Operations	856	856	862	763	589	709	728
Free Cash from Operations	849	849	845	759	585	707	725
Returns to Shareholders
Dividends	122	122	118	106	92	78	69
Share Repurchases	588	588	112	71	98	164	6

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	2/18/2026	11/7/2025	8/8/2025	5/9/2025	2/19/2025	11/5/2024	8/6/2024	5/7/2024	2/16/2024	11/7/2023	8/8/2023	5/10/2023
Key Financials Quarterly
Total Revenue	319	319	326	324	322	323	319	304	319	296	260	256
Net Income	155	164	195	175	168	176	204	182	175	178	172	171
EPS	1.62	1.69	1.95	1.71	1.60	1.67	1.93	1.72	1.66	1.68	1.62	1.60
Key Financials TTM
Total Revenue TTM	1,288	1,290	1,295	1,287	1,267	1,264	1,237	1,179	1,131	1,060	1,026	1,010
Net Income TTM	690	703	715	723	729	737	739	707	696	668	668	728
Growth Rates Quarterly
Total Revenue Growth	-0.7%	-1.3%	2.3%	6.6%	0.9%	9.1%	22.5%	18.6%	28.7%	13.1%	6.4%	-3.2%
Net Income Growth	-7.7%	-6.8%	-4.1%	-3.5%	-4.3%	-1.0%	18.2%	6.4%	19.0%	-0.1%	-25.7%	-37.7%
Margins Quarterly
Net Income Margin	48.5%	51.5%	59.9%	54.1%	52.2%	54.5%	63.9%	59.8%	55.0%	60.1%	66.2%	66.7%
Cash & Debt
Total Cash	6,227	6,181	6,059	6,090	6,008	6,060	5,652	5,533	5,406	5,094	5,090	5,019
Total Debt	495	495	495	494	494	494	422	422	422	422	421	421
Net Debt / (Cash)	-5,732	-5,686	-5,564	-5,596	-5,514	-5,566	-5,230	-5,111	-4,984	-4,673	-4,669	-4,598
Cash Flows Quarterly
FCF from Operations	229	216	190	222	227	229	189	217	215	195	168	185
Cash Flows TTM
FCF from Operations TTM	856	854	867	866	862	850	816	795	763	720	697	593
Returns to Shareholders Quarterly
Dividends	29	30	31	32	29	29	30	30	26	26	27	27
Share Repurchases	126	122	171	169	66	10	22	14	15	5	30	21
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Mortgage Insurance	1,030	1,053
Corporate & Other	116	57
Reinsurance	97
Ceding commission	24
Single Segment			1,001	1,029	955
Total	1,267	1,110	1,001	1,029	955

Price Behavior

Price Behavior

Market Price	$63.17
Market Cap ($ Bil)	6.0
First Trading Date	10/31/2013
Distance from 52W High	-4.9%
	50 Days	200 Days
DMA Price	$59.94	$60.73
DMA Trend	indeterminate	down
Distance from DMA	5.4%	4.0%
	3M	1YR
Volatility	22.8%	21.3%
Downside Capture	-0.09	0.08
Upside Capture	6.45	34.79
Correlation (SPY)	15.2%	26.9%

ESNT Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.34	0.19	0.22	0.10	0.51	0.61
Up Beta	-0.65	1.07	1.41	0.90	0.61	0.71
Down Beta	-0.38	-0.02	0.01	-0.01	0.50	0.52
Up Capture	83%	-14%	-20%	-12%	30%	33%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	11	23	32	62	132	402
Down Capture	66%	35%	37%	7%	53%	79%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	11	19	31	63	119	346

[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	17.2%	21.4%	0.65	-
Sector ETF (XLF)	13.3%	15.2%	0.62	51.6%
Equity (SPY)	23.7%	12.7%	1.52	27.5%
Gold (GLD)	41.4%	27.5%	1.25	-12.1%
Commodities (DBC)	22.4%	16.2%	1.25	-14.5%
Real Estate (VNQ)	14.2%	13.8%	0.72	36.3%
Bitcoin (BTCUSD)	-10.4%	42.7%	-0.14	-9.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with ESNT
ESNT	7.5%	25.0%	0.27	-
Sector ETF (XLF)	10.1%	18.7%	0.42	68.7%
Equity (SPY)	10.8%	17.1%	0.49	55.8%
Gold (GLD)	21.6%	17.8%	0.99	0.2%
Commodities (DBC)	10.9%	18.8%	0.47	10.8%
Real Estate (VNQ)	4.1%	18.8%	0.12	54.0%
Bitcoin (BTCUSD)	3.8%	56.4%	0.29	19.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with ESNT
ESNT	13.8%	38.8%	0.46	-
Sector ETF (XLF)	13.2%	22.2%	0.55	61.8%
Equity (SPY)	13.9%	17.9%	0.67	51.2%
Gold (GLD)	13.7%	15.9%	0.71	-3.6%
Commodities (DBC)	8.2%	17.6%	0.39	18.3%
Real Estate (VNQ)	5.4%	20.7%	0.23	50.2%
Bitcoin (BTCUSD)	68.0%	66.9%	1.07	13.8%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	3312026
Short Interest: Shares Quantity	1.8 Mil
Short Interest: % Change Since 3152026	2.3%
Average Daily Volume	0.8 Mil
Days-to-Cover Short Interest	2.2 days
Basic Shares Quantity	95.7 Mil
Short % of Basic Shares	1.8%

Returns Analyses

	Title
0	Is Essent Stock Built to Withstand a Pullback?
1	Essent Stock Return Comparison
2	[9/29/2021] Essendant (ESNT) Stock Price Forecast: AI Forecasts ESNT Stock Price To Be Around $45.3 In A Month (Up 1.4%)
3	Essent Total Shareholder Return (TSR): -12.7% in 2022 and -7.6% 3-yr returns (below peer average)
4	Essendant (ESNT) Stock Return: AI Predicts ESNT Average and Excess Return After a Fall or Rise

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
2/13/2026	-6.4%	-8.0%	-11.2%
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	11	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%	-8.0%	-11.2%

	Forward Returns
2/13/2026	-6.4%	-8.0%	-11.2%
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%
2/9/2024	-2.2%	1.1%	5.2%
11/2/2023	0.6%	0.5%	3.2%
8/4/2023	3.2%	1.9%	-0.2%
5/5/2023	3.9%	6.3%	10.3%
2/10/2023	-0.2%	2.1%	-9.9%
11/4/2022	-1.3%	3.8%	0.1%
8/5/2022	0.6%	0.8%	-8.3%
5/6/2022	1.7%	-2.6%	4.0%
2/11/2022	0.4%	-1.8%	-7.9%
11/5/2021	2.1%	-0.4%	-7.7%
8/6/2021	3.6%	2.7%	1.7%
5/7/2021	0.6%	-3.9%	-1.2%
2/19/2021	1.9%	-5.0%	0.7%
11/6/2020	-2.2%	-0.0%	8.0%
8/7/2020	-0.7%	-0.5%	4.1%
5/8/2020	-3.8%	-7.1%	42.3%
SUMMARY STATS
# Positive	13	12	14
# Negative	11	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%	-8.0%	-11.2%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
12/31/2025	02/18/2026	10-K
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

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 2/13/2026

Forward Guidance				Guidance Change
Metric	Low	Mid	High	% Chg	% Delta	Change	Prior
2027 Reinsurance Coverage		0.2
2027 Share Repurchases		500.00 Mil

Prior: Q3 2025 Earnings Reported 11/7/2025

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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

ESNT Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

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STOCK ARCHETYPE

null

Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

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Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

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Diversification Alternatives

How Is The Market Pricing ESNT?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What ESNT Makes & Who Pays

TTM figures based on

ESNT Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Essent (ESNT)

Market Price (4/22/2026): $63.2 | Market Cap: $6.1 BilSector: Financials | Industry: Commercial & Residential Mortgage Finance

Essent (ESNT)

Market Price (4/22/2026): $63.2Market Cap: $6.1 BilSector: FinancialsIndustry: Commercial & Residential Mortgage Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About Essent (ESNT)

Private Mortgage Insurance (PMI)

Mortgage Reinsurance

Interactive Breakdown

Better Bets vs. Essent (ESNT)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

Top Gainers

Top Losers

Top Gainers

Top Losers

Top Gainers

Top Losers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons

Financials

Growth & Margins

Valuation

Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

ESNT Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

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Diversification Alternatives

Repricing Catalyst

Market Price (4/22/2026): $63.2 | Market Cap: $6.1 Bil
Sector: Financials | Industry: Commercial & Residential Mortgage Finance

Market Price (4/22/2026): $63.2
Market Cap: $6.1 Bil
Sector: Financials
Industry: Commercial & Residential Mortgage Finance