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Raw inputs
Equipment
Foundry
Chip design
Software
AI demand
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Company details
Market cap
$5.4B
P/E ratio
8×
Div yield
2.4%
EPS (TTM)
$7.03
Profit margin
54%
Rev. growth
+1.5%
Revenue
$1.3B
Book value/sh
$61
In plain English
Essent is one of six private mortgage insurers (PMI) that stand behind US home loans where the buyer put down less than 20%. Lenders buy Essent's cover so they can sell those loans to Fannie Mae and Freddie Mac; Essent collects premiums, invests the float, offloads tail risk to reinsurers and its Bermuda arm, and pays claims when borrowers default. It ended 2025 with $248B of insurance in force.
In simple terms
What Essent Group Ltd. really sells
Essent is one of six private mortgage insurers (PMI) that stand behind US home loans where the buyer put down less than 20%. Lenders buy Essent's cover so they can sell those loans to Fannie Mae and Freddie Mac; Essent collects premiums, invests the float, offloads tail risk to reinsurers and its Bermuda arm, and pays claims when borrowers default. It ended 2025 with $248B of insurance in force.
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