Esnt.K
ESNT.K operates in the insurance industry, specializing in property and casualty insurance, generating revenue primarily through premium income and investment returns.
Business. ESNT.K is a property and casualty insurance company that generates revenue primarily through premium income. The firm operates within the broader financials sector, specifically focusing on insurance activities. Detailed information regarding its operating segments, headquarters location, and primary stock exchange listings is not available in the provided data. Consequently, the company is described at the industry level without specific geographic or segmental breakdowns.
Analyst recommendations
7 analysts · consensus HoldAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
- Congressional trades
- CongressLisa McClain — Essent Group Ltd. Common Shares2025-06-17 · Republican · MI · Sale · $1,001 - $15,000
- CongressLisa McClain — Essent Group Ltd. Common Shares2025-06-11 · Republican · MI · Purchase · $1,001 - $15,000
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
ESNT.K is a property and casualty insurance company that generates revenue primarily through premium income. The firm operates within the broader financials sector, specifically focusing on insurance activities. Detailed information regarding its operating segments, headquarters location, and primary stock exchange listings is not available in the provided data. Consequently, the company is described at the industry level without specific geographic or segmental breakdowns.
ESNT.K maintains a strong liquidity position, with a price-to-book ratio of 1.0 and a debt-to-equity ratio of 0.09, indicating a conservative capital structure. The company's free cash flow of $565.77 million and operating cash flow of $856.05 million support its liquidity, although net cash is negative after subtracting total debt.
Profitability metrics show that ESNT.K is performing well relative to industry standards, with a return on equity of 11.99% and a return on assets of 9.27%. These figures suggest that the company is effectively utilizing its equity and assets to generate returns, which is a positive sign for investors.
Geographically, ESNT.K's revenue is not disclosed by segment or region in the provided data, but the company's operations are likely concentrated in the United States, given its listing and the nature of the insurance industry. This concentration may expose the company to regional economic fluctuations.
The company's growth trajectory appears stable, with a price-to-earnings ratio of 8.37 and an EV/EBITDA ratio of 7.34, suggesting that it is undervalued relative to its earnings and cash flow. Analysts have a mixed outlook, with a mean recommendation of 2.57, indicating a cautious approach, and a mean price target of $64.80, which is slightly above the current market price of $61.41.
Risk factors for ESNT.K include medium liquidity risk and the potential for dilution, although the latter is currently assessed as low. The company's net cash position is negative after accounting for total debt, which could impact its ability to fund operations or investments without external financing.
Recent events and filings do not provide specific details in the input data, but the company's financial health and operational performance are reflected in its strong operating income of $854.56 million and net income of $689.97 million. These figures indicate a solid financial foundation and operational efficiency.
- ESNT.K has a conservative capital structure with a low debt-to-equity ratio of 0.09.
- The company's return on equity of 11.99% and return on assets of 9.27% indicate strong profitability.
- The price-to-earnings ratio of 8.37 and EV/EBITDA ratio of 7.34 suggest the stock is undervalued.
- Analysts have a mixed outlook, with a mean recommendation of 2.57 and a mean price target of $64.80.
- The company's liquidity is medium, and its net cash position is negative after subtracting total debt.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 7,10 |
| Revenue | —no estimate | —no estimate | 1,2B USD |
| Operating income | —no estimate | —no estimate | 1,0B USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Dividend equivalent units → Common shares, par value $0.015Disposed 56exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Disposed 2 569exercise · 2026-05-07
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
- Director · Restricted share units → Common shares, par value $0.015Acquired 2 443grant · 2026-05-06
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Return On Equitynet_income / total_equity
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- ESNT.K Market data — financials · 2026-05-27
- Essent Group Ltd Market data — analyst estimates · 2026-05-27
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,07 %$313M
- Investment Managers · as of 2026-03-310,06 %$123M
- Investment Managers · as of 2026-03-310,04 %$68M
- Investment Managers · as of 2026-03-310,04 %$91M
- Investment Managers · as of 2026-03-310,03 %$53M
- Investment Managers · as of 2024-06-300,02 %$722M
- Institutional Investor · as of 2026-03-310,02 %$298M
- Institutional Investor · as of 2026-03-310,01 %$55M
- Investment Managers · as of 2026-03-310,01 %$83M
- Investment Managers · as of 2025-12-310,01 %$779M
- Investment Managers · as of 2024-12-310,01 %$39M
- Investment Managers · as of 2026-03-310,01 %$46M
- Investment Managers · as of 2026-03-310,01 %$162M
- Funds · as of 2026-03-310,01 %$62M
- Investment Managers · as of 2026-03-310,01 %$71M
- Investment Managers · as of 2026-03-310,01 %$43M
- Institutional Investor · as of 2022-09-300,01 %$0M
- Investment Managers · as of 2026-03-310,01 %$222M
- Institutional Investor · as of 2026-03-310,01 %$39M
- Investment Managers · as of 2026-03-310,01 %$9M
- Investment Managers · as of 2026-03-310,01 %$47M
- Investment Managers · as of 2026-03-310,00 %$74M
- Investment Managers · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$17M
- Investment Managers · as of 2026-03-310,00 %$8M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Brokerage Firms · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director · Common shares, par value $0.015Other 2 569 · 2026-05-07
- Director · Common shares, par value $0.015Other 56 · 2026-05-07
- Director, Chairman, CEO and President · Common shares, par value $0.015Sold 13 064 @ $65,05$850K · 2026-04-28
- SVP and Chief Legal Officer · Common shares, par value $0.015Sold 4 250 @ $65,01$276K · 2026-04-28
- SVP and Chief Legal Officer · Common shares, par value $0.015Sold 7 628 @ $63,01$481K · 2026-04-20
- SVP and Chief Legal Officer · Common shares, par value $0.015Sold 872 @ $63,00$55K · 2026-04-17
- SVP and CFO · Common shares, par value $0.015Other 527 · 2026-04-01
- SVP and CFO · Common shares, par value $0.015Other 3 765 @ $58,25$219K · 2026-04-01
- SVP and CFO · Common shares, par value $0.015Other 8 333 · 2026-04-01
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Capex (YoY) (2025-12-31 vs 2024-12-31): 8.8%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 2.7%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 11.7%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): -5.4%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 4.6%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -0.6%Derived (calculated)
- Return on assets (FY 2025-12-31): 9.3%Derived (calculated)
- Net margin (FY 2025-12-31): 54.7%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 0.7%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 0.7%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 1.5%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 0.29xDerived (calculated)
- Return on equity (FY 2025-12-31): 12.0%Derived (calculated)
- EPS (diluted) (annual): USD-PER-SHARES 7SEC XBRL filing
- Operating cash flow (annual): USD 856.05MSEC XBRL filing
- Total liabilities (annual): USD 1.68BSEC XBRL filing
- Total assets (annual): USD 7.44BSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 7SEC XBRL filing
- Shares outstanding (annual): 95.46MSEC XBRL filing
- Pre-tax income (annual): USD 821.86MSEC XBRL filing
- Revenue (annual): USD 1.26BSEC XBRL filing
- Net income (annual): USD 689.97MSEC XBRL filing
- Shareholders' equity (annual): USD 5.76BSEC XBRL filing
- Capex (annual): USD 7.36MSEC XBRL filing