Essent Group (ESNT)
Mortgage insurer with reinsurance, title coverage and real-estate closing services.
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Provides private mortgage insurance for U.S. home loans, mortgage-risk and selected property-and-casualty reinsurance, plus title insurance and settlement services. Mortgage insurance is the core business, supported by lender relationships and risk-based underwriting, with access tied to Fannie Mae and Freddie Mac approval.
Provides private mortgage insurance on U.S. residential first-lien loans through Essent Guaranty, helping lenders sell low-down-payment mortgages into the secondary market. Essent Re reinsures mortgage credit risk, including Fannie Mae and Freddie Mac credit-risk-transfer programs, and has expanded into selected property-and-casualty risks through Lloyd’s. Essent Title Insurance and Boston National Title add title underwriting, agency and settlement services.
Execution rests on granular loan-level analytics, risk-adjusted pricing, automated approvals and relationships with mortgage originators. The mortgage insurer is licensed nationwide and must remain approved by Fannie Mae and Freddie Mac under their capital and operating standards. Results depend on U.S. mortgage origination, borrower defaults and home prices, while the title platform tracks real-estate closings; insurance subsidiaries also operate under state and Bermuda regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 10, 2026 | Roth Capital | Reiterate | Rating: —Target: $65 | Target: $80 |
| Jun 4, 2026 | Keefe, Bruyette & Woods | Upgrade | ||
| Jun 3, 2026 | Roth Capital | Target | Target: $75 | Target: $65 |
| May 22, 2026 | RBC Capital | Target | Target: $67 | Target: $68 |
| May 11, 2026 | Barclays | Reiterate | Rating: —Target: $63 | Target: $62 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $6.11B · Total debt $496.0M · Total assets $7.59B · Shareholders' equity $5.66B
- Revenue
- $362.7M
- Operating income
- $230.3M
- Net income
- $189.7M
HistoryDividendAnnual yield
| Institutions | 96.88% | 87.07M shares | |
|---|---|---|---|
| 363 holders · as of Jun 30, 2026 | |||
| Insiders | 3.36% | 3.02M shares | |
| 15 holders · as of Sep 17, 2026 | |||
| Adds to | 100.24% | ||
89.88M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 100.24%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 13.83% | 12.43M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 8.43% | 7.58M | as of Jun 30, 2026 |
SMALLCAP World Fund, Inc.Institution | 6.58% | 5.91M | filed Feb 14, 2018 |
Dimensional Fund Advisors LPInstitution | 6.03% | 5.42M | as of Jun 30, 2026 |
Capital World InvestorsInstitution | 5.05% | 4.54M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 15, 2026 | David B. Weinstock | officer: SVP and CFO | −5,500 | $68.54 |
| Sep 14, 2026 | Roy James Kasmar | director | −4,837 | $68.71 |
| Sep 3, 2026 | Mark Casale | director, officer: Chairman, CEO and President | −798 | $70.01 |
| Aug 24, 2026 | Douglas J. Pauls | director | −2,500 | $69.70 |
| Aug 19, 2026 | Mark Casale | director, officer: Chairman, CEO and President | −21,607 | $70.07 |
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Largest U.S. title-insurance rival to the title-services adjacency
- First American Financial
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- Stewart Information Services
Title-insurance and real-estate-services peer in the same adjacency
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Essent Group | $67.11 | +0.96% | $6.13B | 9.3 | 8.9 | 4.6 | +13.6% |
| MGIC Investment | $29.79 | +1.15% | $6.04B | 9.2 | 9.2 | 5.1 | −2.9% |
| Radian Group | $35.17 | +2.48% | $4.56B | 8.7 | 7.1 | 2.8 | +80.9% |
| Enact | $48.28 | +0.47% | $6.71B | 10.1 | 9.7 | 5.4 | +4.2% |
| National MI | $43.24 | +1.71% | $3.23B | 8.4 | 8.1 | 4.4 | −9.4% |
| Arch Capital Group | $95.12 | −0.69% | $33.46B | 7.5 | 10.1 | 1.7 | −22.3% |
| Fidelity National Financial | $42.79 | +0.78% | $11.43B | 14.7 | 8.0 | 0.7 | +11.4% |
| First American Financial | $69.72 | +0.66% | $7.07B | 9.6 | 10.0 | 1.7 | +15.0% |
| Stewart Information Services | $63.19 | +0.51% | $1.91B | 13.8 | 10.1 | 0.6 | +24.0% |
| Median | 9.4 | 9.5 | 2.3 | +7.8% |