What is the 13F Pro Quality Score for ESNT?

13F Pro ranks Essent Group Ltd. (ESNT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ESNT's current score at https://13fpro.ai/company/ESNT (free sign-up required for the full ranking).

Where does 13F Pro source ESNT data?

All Essent Group Ltd. fundamentals and ownership data come directly from SEC EDGAR. Essent Group Ltd. files with the SEC under CIK 1448893. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ESNT in?

Essent Group Ltd. (ESNT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives ESNT's revenue?

Per Essent Group Ltd.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Net premiums earned ($536.9M, +8.5% YoY); Net investment income ($120.9M, +2.9% YoY); Other income ($11.7M, -9.7% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ESNT.

What are ESNT's largest expenses?

Essent Group Ltd.'s latest 10-Q reports these as the largest expense items: Other underwriting and operating expenses ($148.2M, +10.7% YoY); Interest expense ($16.3M, 0% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (six months ended June 30, 2026).

How often is ESNT research updated on 13F Pro?

ESNT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Essent Group Ltd.(ESNT)Stock Analysis

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Financials →NYSEmid

Institutional-grade research for retail investors

SEC EDGAR: CIK 1448893 ESNT stock profile & AI dashboard →

InternationalScored off the official board: an annual-only filer, so this data lags a domestic quarterly filer.

13F Pro Quality Score

62.0/100

Rank #735 of 2,962 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

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Why ESNT Scores 62/100

exact factor attribution · 2026-09-11

ESNT's composite is driven by profitability and free cash flow, held back by earnings growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.3 pts

96th pct

Free cash flow

+7.1 pts

98th pct

Capital efficiency

+4.3 pts

82th pct

Scale

+0.8 pts

54th pct

Earnings quality

+0.6 pts

56th pct

Institutional flow

+0.1 pts

52th pct

Revenue growth

-0.5 pts

48th pct

Shareholder dilution

-0.6 pts

42th pct

Earnings growth

-1.5 pts

28th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ESNT Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Essent Group Ltd. (ESNT), a Financials sector company. 13F Pro's AI-powered ranking engine scores ESNT at 62.0/100 on a 32-signal composite quality model, placing it at rank #735 of 2,962 stocks — the top 25% of the AI-ranked universe. Based on the latest XBRL financial filings (Q2 2026), Essent Group Ltd. reports quarterly revenue of $362.7M, net income of $189.7M, an operating margin of 63.5%. 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. Essent Group Ltd.'s 13F Pro composite quality score has ranged between 58 and 68 since 2026, currently 62.0 — a declining long-term trajectory across 48 quarterly and live scoring snapshots.

What's Driving ESNT's Business? Latest 10-Q Breakdown

AI-extracted from Essent Group Ltd.'s 10-Q filed 2026-08-07 — Q2 2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income of $361.5M driven by $536.9M net premiums earned and $120.9M net investment income, with mortgage insurance segment generating $402.7M pre-tax income as portfolio matures.

Biggest Revenue Drivers

Net premiums earned$536.9M+8.5% YoY

Increase driven by property and casualty reinsurance assumed beginning January 1, 2026, partially offset by lower mortgage insurance average net premium rates.

Net investment income$120.9M+2.9% YoY

Increase due to higher pre-tax investment income yield (3.89% vs. 3.81%) and stable average portfolio balance of $6.4B.

Biggest Revenue Drivers

Total revenue: $698.8M+9.8% YoY

Net premiums earned$536.9M+8.5% YoY

Increase driven by property and casualty reinsurance assumed beginning January 1, 2026, partially offset by lower mortgage insurance average net premium rates.

Net investment income$120.9M+2.9% YoY

Increase due to higher pre-tax investment income yield (3.89% vs. 3.81%) and stable average portfolio balance of $6.4B.

Other income$11.7M-9.7% YoY

Decline in underwriting consulting services revenues to third-party reinsurers, partially offset by title settlement services and contract underwriting.

Largest Expense Items

Other underwriting and operating expenses$148.2M+10.7% YoY

Increase driven by higher acquisition costs and professional fees related to property and casualty reinsurance, partially offset by lower Mortgage Insurance segment headcount.

Interest expense$16.3M0% YoY

No change; $500M senior notes at 6.25% weighted average rate.

Margins: Combined ratio for Mortgage Insurance improved to 31.6% from 27.5% YoY due to aging portfolio entering peak claim years, offset by favorable prior-year development of $54.2M. Reinsurance segment's combined ratio widened to 74.6% from 18.1% due to property and casualty business assumed at higher loss ratios.

Watch Items from the Filing

Mortgage insurance portfolio aging: 47% of IIF is at least three years old as of June 30, 2026, entering peak claims period; provision for losses increased 101% YoY, and average reserve per default rose to $23.4K from $20.0K.
Property and casualty reinsurance concentration: Effective January 1, 2026, Essent Re began reinsuring P&C risks; non-mortgage premiums represented 83% of Reinsurance segment NIW in Q2 2026 with 39.3% loss ratio vs. 0.3% for mortgage business.
Bermuda tax exposure: Company qualifies for LIP exemption from 15% corporate income tax for five years ending December 2028; future strategic decisions could impact qualification, and exemption interpretation remains subject to regulatory risk.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$362.7M

Net Income

Q2 2026

$189.7M

Free Cash Flow

Q2 2026

$196.1M

Operating Margin

Q2 2026

63.5%

ROIC

Q2 2026

16.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+1.5% YoY

$1.26BFY 2025

FY22 $1.00BFY23 $1.11BFY24 $1.24BFY25 $1.26B

Net Income

-5.4% YoY

$690.0MFY 2025

FY22 $831.4MFY23 $696.4MFY24 $729.4MFY25 $690.0M

EPS (Diluted)

+0.7% YoY

$6.90FY 2025

FY22 $7.72FY23 $6.50FY24 $6.85FY25 $6.90

Total Assets

+4.6% YoY

$7.44BFY 2025

FY22 $5.72BFY23 $6.43BFY24 $7.11BFY25 $7.44B

Op. Cash Flow

-0.6% YoY

$856.1MFY 2025

FY22 $588.8MFY23 $763.0MFY24 $861.5MFY25 $856.1M

Free Cash Flow

-0.7% YoY

$848.7MFY 2025

FY22 $584.8MFY23 $759.0MFY24 $854.8MFY25 $848.7M

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
Free Cash Flow	$848.7M -0.7%	$854.8M +12.6%	$759.0M +29.8%	$584.8M -17.3%	$706.8M -2.6%	$725.5M

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Available Research

13F Pro tracks comprehensive data for Essent Group Ltd. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ESNT

BlackRock, Inc.
$798.8M12,427,447 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$487.2M7,579,062 sh
DIMENSIONAL FUND ADVISORS LP
$348.1M5,415,221 sh
Capital World Investors
$291.8M4,538,937 sh
VANGUARD CAPITAL MANAGEMENT LLC
$256.5M3,990,051 sh
STATE STREET CORP
$251.3M3,910,208 sh
FMR LLC
$187.4M2,915,486 sh
GEODE CAPITAL MANAGEMENT, LLC
$183.0M2,846,254 sh
NORGES BANK
$170.4M2,650,724 sh
AMERICAN CENTURY COMPANIES INC
$170.0M2,645,116 sh

Fund	Value	Shares
BlackRock, Inc.	$798.8M	12,427,447
VANGUARD PORTFOLIO MANAGEMENT LLC	$487.2M	7,579,062
DIMENSIONAL FUND ADVISORS LP	$348.1M	5,415,221
Capital World Investors	$291.8M	4,538,937
VANGUARD CAPITAL MANAGEMENT LLC	$256.5M	3,990,051
STATE STREET CORP	$251.3M	3,910,208
FMR LLC	$187.4M	2,915,486
GEODE CAPITAL MANAGEMENT, LLC	$183.0M	2,846,254
NORGES BANK	$170.4M	2,650,724
AMERICAN CENTURY COMPANIES INC	$170.0M	2,645,116

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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. ESNT is classified as a mid company.

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.