65.76
+3.71%
Close of 9 Nov 2026, in USD
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About Essent Group
From its filings with the US Securities and Exchange Commission
Essent Group is based in Hamilton, Bermuda and is incorporated in Bermuda. Its shares trade on NYSE under the ticker ESNT. The SEC classifies its business as surety insurance. In the fiscal year to 31 December 2025, it reported revenue of $1.26bn and net income of $690.0m. At that date it held total assets of $7.44bn and shareholders' equity of $5.76bn.
We serve the housing finance industry by providing private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers and investors to support homeownership. We conduct our operations through two primary business segments: Mortgage Insurance and Reinsurance.
Our Mortgage Insurance segment offers private mortgage insurance for mortgages secured by residential properties located in the United States. We provide private mortgage insurance on residential first-lien mortgage loans in the U.S. (“mortgage insurance”) through Essent Guaranty, a Pennsylvania-domiciled monoline mortgage guaranty insurance company licensed in all 50 states and the District of Columbia and approved by Fannie Mae and Freddie Mac, and also offer other credit risk management solutions, including contract underwriting, to our customers. For the years ended December 31, 2025, 2024 and 2023, we generated private mortgage insurance new insurance written, or NIW, of approximately $46.6 billion, $45.6 billion and $47.7 billion, respectively. As of December 31, 2025, we had approximately $248.4 billion of private mortgage insurance in force.
Quoted from its 10-K, filed 18 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Thrifts & Mortgage Finance
- Listed since
- 31 Oct 2013
- Employees
- 514
- Website
- essentgroup.com ↗
- Head office
- CLARENDON HOUSE, HAMILTON, D0, HM 11
- Incorporated in
- D0
- Classification
- Surety Insurance
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Mark CasaleChairman of the Board, President, Chief Executive Officer$9.8m
- Mr. David WeinstockChief Financial Officer, Senior Vice President$1.6m
- Mr. Christopher CurranPresident of Essent Guaranty, Inc$3.0m
- Dr. Vijay BhasinSenior Vice President, Chief Risk Officer$2.0m
- Ms. Mary GibbonsSenior Vice President, Chief Legal Officer and Assistant Secretary$2.4m
- Mr. William SpiegelLead Independent Director$353,266
- Mr. David BensonDirector
- Ms. April JoyceDirector
- Mr. Aditya DuttIndependent Director$303,266
- Ms. Angela HeiseIndependent Director$328,266
- Dr. Anu KarnaIndependent Director$303,266
- Mr. Roy KasmarIndependent Director$328,266
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 63
- Environment
- 29
- Social
- 99
- Governance
- 60
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Essent Group Ltd has a strong market position and is a leading provider of private mortgage insurance in the United States.
- The company has a robust financial performance, with consistent revenue growth and healthy profitability.
- Essent Group Ltd benefits from its strong underwriting capabilities and risk management practices, allowing it to effectively manage its exposure to mortgage-related risks.
Weaknesses
- Dependence on the mortgage industry makes Essent Group Ltd vulnerable to fluctuations in the housing market and changes in mortgage regulations.
- The company's concentration in the U.S. mortgage insurance market exposes it to regional economic downturns or housing market declines.
- Essent Group Ltd faces intense competition from other mortgage insurers, which puts pressure on its market share and pricing.
Opportunities
- The growing demand for affordable housing presents an opportunity for Essent Group Ltd to expand its customer base and increase market penetration.
- Potential government policies aimed at stimulating the housing market can create favorable conditions for the company's growth.
- Expansion into new geographic markets or diversification into related insurance products could help Essent Group Ltd reduce its dependence on the U.S. mortgage market.
Threats
- Economic downturns or a decline in the housing market could negatively impact mortgage originations and demand for mortgage insurance, posing a threat to Essent Group Ltd's business.
- Changes in mortgage regulations or government policies can affect the affordability and availability of mortgage credit, which may impact the demand for mortgage insurance.
- Increased competition from established mortgage insurers and new market entrants poses a threat to Essent Group Ltd's market share and profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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