Pulling SEC filings + quote and writing the call…
Pulling SEC filings + quote and writing the call…

Essent Group Ltd.
Next earnings Aug 3, 2026 (before open) · consensus $1.82 EPS, $331M rev
Last earnings +2.5% on 2026-05-08
Highly profitable private mortgage insurer at 8.5x earnings with a fortress balance sheet and aggressive buybacks shrinking the float.
Sources: SEC EDGAR (CIK 0001448893, latest 10-Q filed 2026-05-08) · EODHD · analysis by claude-code · as of 6/21/2026, 8:56:55 PM.
Research and education only — not financial advice. Calls are generated from SEC filings and a delayed/third-party price feed, may be wrong or out of date, and are not a recommendation to buy or sell any security. Do your own research.
Solid fundamentals at a roughly fair price — reasonable risk/reward at today's level.
Essent Group is a private mortgage insurer (PMI) with an exceptionally profitable, capital-light model. FY2025 revenue grew 1.5% to $1.26B and net income was $690M — a remarkable 54.7% net margin that reflects the favorable economics of mortgage insurance during a benign credit environment with low default rates. Net income dipped 5.4% year-over-year, but diluted EPS actually rose 0.7% to $6.90 because the company aggressively retired stock. Earnings have been consistently strong, ranging $682M-$831M over the past five years, demonstrating durable underwriting profitability across rate cycles.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.03B | $1.00B | $1.11B | $1.24B | $1.26B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $682M | $831M | $696M | $729M | $690M |
| Diluted EPS | $6.11 | $7.72 | $6.50 | $6.85 | $6.90 |
| Net margin | 66.3% | 83.1% | 62.8% | 58.7% | 54.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosed under the STOCK Act
Self-reported periodic transaction reports (STOCK Act). Amounts are disclosed ranges; a trade may be a spouse's. Disclosures lag the trade by up to ~45 days. Source: House Clerk + Senate eFD.
1482 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
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| 2026-05-07 | PAULS DOUGLAS J Director | Exercise | 2.57K | |
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