Essent Group Ltd.(ESNT)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
ESNT Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Essent Group Ltd. (ESNT), a Financials sector company. ESNT is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Essent Group Ltd. reports quarterly revenue of $336.1M, net income of $171.8M, an operating margin of 61.5%. Top institutional holders of ESNT by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. ESNT trades on the NYSE exchange and files with the SEC under CIK 1448893. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ESNT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Essent Group Ltd. directly from SEC EDGAR.
Revenue
Q1 2026
$336.1M
Net Income
Q1 2026
$171.8M
Free Cash Flow
Q1 2026
$191.2M
Operating Margin
Q1 2026
61.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+1.5% YoYNet Income
-5.4% YoYEPS (Diluted)
+0.7% YoYTotal Assets
+4.6% YoYOp. Cash Flow
-0.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.26B +1.5% | $1.24B +12.0% | $1.11B +10.9% | $1.00B -2.7% | $1.03B +7.7% | $955.2M |
| Net Income | $690.0M -5.4% | $729.4M +4.7% | $696.4M -16.2% | $831.4M +21.9% | $681.8M +65.1% | $413.0M |
| EPS (Diluted) | $6.90 +0.7% | $6.85 +5.4% | $6.50 -15.8% | $7.72 +26.4% | $6.11 +57.5% | $3.88 |
| Total Assets | $7.44B +4.6% | $7.11B +10.7% | $6.43B +12.3% | $5.72B +0.0% | $5.72B +10.0% | $5.20B |
| Operating Cash Flow | $856.1M -0.6% | $861.5M +12.9% | $763.0M +29.6% | $588.8M -17.0% | $709.3M -2.6% | $727.9M |
AI Insight: ESNT Financial Trends
Revenue rebounded to $336M in Q1 2026, but net income remains pressured and equity growth has stalled.
• Revenue grew 7.7% YoY to $336M in Q1 2026, strongest quarter since Q2 2025's $319M.
• Net income volatility persists: $172M in Q1 2026 vs. $175M in Q1 2025, down 1.7% YoY.
• Operating cash flow averaged $217M over past four quarters, supporting consistent capital return capacity.
⚠ Equity growth flattened since Q3 2025 ($5,739M → $5,697M), signaling potential shareholder distribution or earnings pressure.
⚠ Net income margin deteriorated to 51.2% in Q1 2026 from 55% in Q1 2025 despite revenue uptick.
AI Insight: ESNT Ratio Trends
Profitability metrics compressed through 2025, with margins and returns stabilizing modestly in Q1 2026 but well below 2024 peaks.
• Operating margin fell from 76.4% (Q2 2024) to 61.5% (Q1 2026), a 14.9pp decline. NPM similarly compressed from 65.1% to 51.1%.
• ROIC declined from 17.8% (Q2 2024) to 14.5% (Q1 2026), a 3.3pp drop. Q4 2025 marked the trough at 12.8%.
• Q1 2026 shows modest stabilization: OpMargin +2.4pp, NPM +1.5pp, ROIC +1.7pp versus Q4 2025 lows.
⚠ Sustained contraction in core returns since Q2 2024 peak suggests underlying earnings pressure or unfavorable mix shift.
⚠ Q1 2026 rebound from Q4 2025 trough warrants monitoring for trend reversal or seasonal volatility.
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Available Research
13F Pro tracks comprehensive data for Essent Group Ltd. including:
Top Institutional Holders of ESNT
BlackRock, Inc.
$698.7M11,955,055 shVANGUARD PORTFOLIO MANAGEMENT LLC
$431.0M7,375,293 shDIMENSIONAL FUND ADVISORS LP
$313.4M5,362,232 shFMR LLC
$297.7M5,093,773 shCapital World Investors
$274.4M4,695,817 shVANGUARD CAPITAL MANAGEMENT LLC
$238.1M4,074,299 shSTATE STREET CORP
$221.9M3,797,517 shGEODE CAPITAL MANAGEMENT, LLC
$162.2M2,774,300 shPolar Capital Holdings Plc
$149.0M2,550,000 shAMERICAN CENTURY COMPANIES INC
$122.8M2,102,052 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $698.7M | 11,955,055 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $431.0M | 7,375,293 |
| DIMENSIONAL FUND ADVISORS LP | $313.4M | 5,362,232 |
| FMR LLC | $297.7M | 5,093,773 |
| Capital World Investors | $274.4M | 4,695,817 |
| VANGUARD CAPITAL MANAGEMENT LLC | $238.1M | 4,074,299 |
| STATE STREET CORP | $221.9M | 3,797,517 |
| GEODE CAPITAL MANAGEMENT, LLC | $162.2M | 2,774,300 |
| Polar Capital Holdings Plc | $149.0M | 2,550,000 |
| AMERICAN CENTURY COMPANIES INC | $122.8M | 2,102,052 |
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Popular Research
Is ESNT a good stock to buy?
13F Pro's AI-powered analysis of Essent Group Ltd. (ESNT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ESNT are available on the ESNT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ESNT?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ESNT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Essent Group Ltd.'s investment landscape.