Essent Group Ltd.  (ESNT)
Other Ticker:  
Price: $43.8200 $0.08 0.183%
Day's High: $43.84 Week Perf: 4.66 %
Day's Low: $ 43.14 30 Day Perf: 11.39 %
Volume (M): 379 52 Wk High: $ 50.17
Volume (M$): $ 16,612 52 Wk Avg: $43.61
Open: $43.32 52 Wk Low: $35.53

 Market Capitalization (Millions $) 4,701
 Shares Outstanding (Millions) 107
 Employees 366
 Revenues (TTM) (Millions $) 1,049
 Net Income (TTM) (Millions $) 892
 Cash Flow (TTM) (Millions $) -64
 Capital Exp. (TTM) (Millions $) 3

Essent Group Ltd.

We are an established and growing private mortgage insurance company. We were formed to serve the U.S. housing finance industry at a time when the demands of the financial crisis and a rapidly changing business environment created the need for a new, privately funded mortgage insurance company. We believe that our success in acquiring customers and growing our insurance in force has been driven by the unique opportunity we offer lenders to partner with a well-capitalized mortgage insurer, unencumbered by business originated prior to the financial crisis, that provides fair and transparent claims payment practices, and consistency and speed of service.

Private mortgage insurance plays a critical role in the U.S. housing finance system. Essent and other private mortgage insurers provide credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage and certain related expenses in the event of a default. In doing so, we provide private capital to mitigate mortgage credit risk, allowing lenders to make additional mortgage financing available to prospective homeowners.

Private mortgage insurance helps extend affordable home ownership by facilitating the sale of low down payment loans into the secondary market. Two U.S. Federal government-sponsored enterprises, Fannie Mae and Freddie Mac, which we refer to collectively as the GSEs, purchase residential mortgages from banks and other lenders and guaranty mortgage-backed securities that are offered to investors in the secondary mortgage market. The GSEs are restricted by their charters from purchasing or guaranteeing low down payment loans, defined as loans with less than a 20% down payment, that are not covered by certain credit protections. Private mortgage insurance satisfies the GSEs' credit protection requirements for low down payment loans, supporting a robust secondary mortgage market in the United States.

Our primary U.S. mortgage insurance subsidiary, Essent Guaranty, Inc., received its certificate of authority from the Pennsylvania Insurance Department in July 2009. We subsequently acquired our mortgage insurance platform from a former private mortgage insurance industry participant and in 2010, became the first private mortgage insurer to be approved by the GSEs since 1995. We are licensed to write mortgage guaranty coverage in all 50 states and the District of Columbia.

U.S. Mortgage Market

The U.S. residential mortgage market is one of the largest in the world, with over $9.95 trillion of debt outstanding as of September 30, 2015, and includes a range of private and government-sponsored participants. Private industry participants include mortgage banks, mortgage brokers, commercial, regional and investment banks, savings institutions, credit unions, REITs, mortgage insurers and other financial institutions. Public participants include government agencies such as the Federal Housing Administration, or FHA, the Veterans Administration, or VA, the U.S. Department of Agriculture Rural Development program and the Government National Mortgage Association, or Ginnie Mae, as well as government-sponsored enterprises such as Fannie Mae and Freddie Mac. The overall U.S. residential mortgage market encompasses both primary and secondary markets. The primary market consists of lenders originating home loans to borrowers, and includes loans made to support home purchases, which are referred to as purchase originations, and loans made to refinance existing mortgages, which are referred to as refinancing originations. The secondary market includes institutions buying and selling mortgages in the form of whole loans or securitized assets, such as mortgage-backed securities.


The GSEs are the largest participants in the secondary mortgage market, buying residential mortgages from banks and other primary lenders as part of their government mandate to provide liquidity and stability in the U.S. housing finance system. According to the Federal Reserve, the GSEs held or guaranteed approximately $4.5 trillion, or 45.3%, of total U.S. residential mortgage debt as of September 30, 2015. Their charters generally prohibit the GSEs from purchasing a low down payment loan unless that loan is insured by a GSE-approved mortgage insurer, the mortgage seller retains at least a 10% participation in the loan or the seller agrees to repurchase or replace the loan in the event of a default. Historically, private mortgage insurance has been the preferred method utilized to meet this GSE charter requirement. As a result, the private mortgage insurance industry in the United States is driven in large part by the business practices and mortgage insurance requirements of the GSEs.

Mortgage Insurance

Mortgage insurance plays a critical role in the U.S. residential mortgage market by facilitating secondary market sales and by providing lenders and investors a means to diversify their exposures and mitigate mortgage credit risk. Mortgage insurance is provided by both private companies, such as Essent, and government agencies, such as the FHA and the VA. From 1996 through 2015, an average of 22.3% of total annual mortgage origination volume utilized mortgage insurance.

   Company Address: Clarendon House Hamilton 0
   Company Phone Number: 297-9901   Stock Exchange / Ticker: NYSE ESNT
   ESNT is expected to report next financial results on November 04, 2022.

Customers recorded net loss Customers recorded net loss

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


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Essent Group Ltd.'s Segments
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Essent Group Ltd. does not provide revenue guidance.

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