Essent Group Ltd. (ESNT)

Over the past six months, Essent Group Ltd.'s stock price increased by 21.47%, but the company's shares returned 10.5%, while the S&P 500 gained 13.1%. In Q3 2025, Essent Group reported an EPS of $1.67, missing the forecast, and revenue of $311.83 million, also falling short of the target, leading to a stock decline. The net income for Q3 2025 decreased year-over-year, and the company faced rising delinquency rates. Essent Group Ltd. announced an Equity Buyback for $500 million and declared a quarterly dividend. Analysts have an average 12-month price target of $70.0 for ESNT.

Essent Group Ltd. experiences some demand seasonality, particularly concerning default rates on its mortgage insurance products, with a modest uptick in default rates due to normal seasonality during Q3 CY2025. Analysis of ESNT's stock performance indicates that there are seasonal patterns in its monthly returns.

Essent Group Ltd. is a Bermuda-based holding company in the finance sector, providing private mortgage insurance, reinsurance, and title insurance and settlement services to the housing finance industry. The company offers products and services such as primary, pool, and master policy mortgage insurance, reinsurance, title insurance, settlement services, and contract underwriting services, along with risk management products, IT maintenance, and customer support.

Essent Group Ltd. is headquartered in Hamilton, Bermuda, with a significant presence in the United States through its subsidiaries. Essent Guaranty, Inc. is licensed nationwide and headquartered in Radnor, PA, while Essent Reinsurance Ltd. is based in Pembroke, Bermuda. Essent Title Insurance, Inc. is also headquartered in Radnor, PA. The geographical origin of Essent's shareholders indicates a strong presence in the US (80.0%), followed by GB (6.0%) and AU (5.4%).

Essent Group Ltd. emphasizes its mission to be a trusted partner to the housing finance industry, highlighting reliability, sustainability, and customer service. The Q3 2025 earnings miss and subsequent stock decline could negatively impact investor sentiment, while strategic share repurchase plans and a strong capital position can positively influence its reputation.

Institutional investors hold a significant portion of Essent Group Ltd.'s stock, with 779 institutional owners holding a total of 122,648,981 shares, representing approximately 82.16% of the shares. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc, SMALLCAP WORLD FUND INC Class A, Dimensional Fund Advisors Lp, Fmr Llc, Capital World Investors, State Street Corp, iShares Core S&P Mid-Cap ETF, Vanguard Total Stock Market Index Fund Investor Shares, and Geode Capital Management, Llc.