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Essent Group Ltd   (ESNT)
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Essent Group Ltd's Customers Performance

ESNT

 
ESNT's Source of Revenues Essent Group Ltd's Corporate Customers have recorded an advance in their cost of revenue by 2.01 % in the 4 quarter 2023 year on year, sequentially costs of revenue grew by 11.96 %. During the corresponding time, Essent Group Ltd recorded revenue increase by 29.23 % year on year, sequentially revenue grew by 0.39 %. While revenue at the Essent Group Ltd 's corporate clients recorded rose by 8.22 % year on year, sequentially revenue grew by 19.36 %.

List of ESNT Customers




Essent Group Ltd's Customers have recorded an advance in their cost of revenue by 2.01 % in the 4 quarter 2023 year on year, sequentially costs of revenue grew by 11.96 %, for the same period Essent Group Ltd recorded revenue increase by 29.23 % year on year, sequentially revenue grew by 0.39 %.

List of ESNT Customers


   
Customers Net Income fell in Q4 by Customers Net margin fell to %
-45.76 % 6.18 %



Essent Group Ltd's Customers, Q4 2023 Revenue Growth By Industry
Customers in Chemical Manufacturing Industry      3.26 %
Customers in Iron & Steel Industry -23.5 %   
Customers in Miscellaneous Fabricated Products Industry      3.41 %
Customers in Aerospace & Defense Industry      7.04 %
Customers in Construction Services Industry      8 %
Customers in Miscellaneous Manufacturing Industry      26.47 %
Customers in Industrial Machinery and Components Industry      3.2 %
Customers in Conglomerates Industry      3.06 %
Customers in Auto & Truck Parts Industry -22.46 %   
Customers in Electric & Wiring Equipment Industry      21.14 %
Customers in Consumer Financial Services Industry      292.02 %
Customers in Accident & Health Insurance Industry      11.3 %
Customers in Life Insurance Industry      38.86 %
Customers in Insurance Brokerage Industry      14.21 %
Customers in Property & Casualty Insurance Industry      19.92 %
Customers in Miscellaneous Financial Services Industry      15.79 %
Customers in Regional Banks Industry -6.09 %   
Customers in Commercial Banks Industry -8.33 %   
Customers in Personal Services Industry      7.62 %
Customers in Electronic Instruments & Controls Industry      23.45 %
     
• Customers Valuation • Customers Mgmt. Effect.


Essent Group Ltd's Comment on Sales, Marketing and Customers



Our sales and marketing efforts are designed to help us establish and maintain in-depth, quality customer relationships. We organize our sales and marketing efforts based on our centralized and decentralized customer segmentation, giving additional consideration to a customers geographic location and whether its lending footprint is national or regional in nature.

We emphasize a collaborative approach with our customers that includes a number of educational offerings and joint product development and marketing initiatives:


Regular Portfolio and Risk Management Reviews. We conduct periodic insured mortgage portfolio reviews with customers, including detailed loan performance metrics.


Joint Product Development and Marketing Initiatives. We emphasize the development of specialized products and programs that provide increased opportunities for customers and address targeted segments of the market. We recognize the value in developing new products collaboratively with our customers. We also work closely with customers to understand their strategic priorities and business objectives while identifying opportunities that will enhance and complement the customers marketing activities.


Customer Service, Support and Trainings. We have an experienced and knowledgeable customer services team that strives to provide premier service to our customers. We dedicate service representatives to our customers so they can establish relationships with their customer peers and become thoroughly familiar with unique customer systems, processes and service needs. We have developed mortgage industry training courses that are offered to our customers as a value added service. We have an experienced team that maintains the course materials so that they are relevant and current and who facilitate training sessions for our customers.

We have an experienced team of national and regional account managers strategically deployed nationwide that markets our mortgage insurance products and support services.

We assign national account managers to each of the national lenders, providing a point of communication between us and the customers senior management team. These professionals are responsible for the development and execution of sales and marketing strategies aimed at growing customer volumes and ensuring each customers needs are understood and helping them to pursue their strategies. The national account managers also coordinate the direct communication of customers with our underwriting and risk management groups to provide a continual flow of information between the organizations.

We also have regional account managers and dedicated support staff operating in eight defined geographic regions. Our regional account managers play a similar role to our national account managers with respect to customer relationship management, education and customer training, serving as our primary point of contact for small and mid-sized regional lenders operating in a given territory. Regional account managers also support our national account team by assisting with our efforts to directly market and service the branch locations of certain national lenders.

We support our national and regional sales force, and improve their effectiveness in acquiring new customers, by raising our brand awareness through advertising and marketing campaigns, website enhancements, electronic communication strategies and sponsorship of industry and educational events.

We continue to build our sales force by hiring qualified mortgage professionals who generally have well-established relationships with industry-leading lenders and significant experience in both mortgage insurance and mortgage lending. Our approach is reflected in and supported by our compensation structure, pursuant to which we have successfully implemented a non-commission-based structure that includes an equity ownership program, which we believe aligns their efforts with our long-term corporate objectives, including providing better customer service and better risk selection.






Essent Group Ltd's Comment on Sales, Marketing and Customers


Our sales and marketing efforts are designed to help us establish and maintain in-depth, quality customer relationships. We organize our sales and marketing efforts based on our centralized and decentralized customer segmentation, giving additional consideration to a customers geographic location and whether its lending footprint is national or regional in nature.

We emphasize a collaborative approach with our customers that includes a number of educational offerings and joint product development and marketing initiatives:


Regular Portfolio and Risk Management Reviews. We conduct periodic insured mortgage portfolio reviews with customers, including detailed loan performance metrics.


Joint Product Development and Marketing Initiatives. We emphasize the development of specialized products and programs that provide increased opportunities for customers and address targeted segments of the market. We recognize the value in developing new products collaboratively with our customers. We also work closely with customers to understand their strategic priorities and business objectives while identifying opportunities that will enhance and complement the customers marketing activities.


Customer Service, Support and Trainings. We have an experienced and knowledgeable customer services team that strives to provide premier service to our customers. We dedicate service representatives to our customers so they can establish relationships with their customer peers and become thoroughly familiar with unique customer systems, processes and service needs. We have developed mortgage industry training courses that are offered to our customers as a value added service. We have an experienced team that maintains the course materials so that they are relevant and current and who facilitate training sessions for our customers.

We have an experienced team of national and regional account managers strategically deployed nationwide that markets our mortgage insurance products and support services.

We assign national account managers to each of the national lenders, providing a point of communication between us and the customers senior management team. These professionals are responsible for the development and execution of sales and marketing strategies aimed at growing customer volumes and ensuring each customers needs are understood and helping them to pursue their strategies. The national account managers also coordinate the direct communication of customers with our underwriting and risk management groups to provide a continual flow of information between the organizations.

We also have regional account managers and dedicated support staff operating in eight defined geographic regions. Our regional account managers play a similar role to our national account managers with respect to customer relationship management, education and customer training, serving as our primary point of contact for small and mid-sized regional lenders operating in a given territory. Regional account managers also support our national account team by assisting with our efforts to directly market and service the branch locations of certain national lenders.

We support our national and regional sales force, and improve their effectiveness in acquiring new customers, by raising our brand awareness through advertising and marketing campaigns, website enhancements, electronic communication strategies and sponsorship of industry and educational events.

We continue to build our sales force by hiring qualified mortgage professionals who generally have well-established relationships with industry-leading lenders and significant experience in both mortgage insurance and mortgage lending. Our approach is reflected in and supported by our compensation structure, pursuant to which we have successfully implemented a non-commission-based structure that includes an equity ownership program, which we believe aligns their efforts with our long-term corporate objectives, including providing better customer service and better risk selection.










ESNT's vs. Customers, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)



COMPANY NAME MARKET CAP REVENUES INCOME EMPLOYEES
Essent Group Ltd 5,927.85 1,109.76 696.39 366
Atlantic American Corp 56.20 185.28 3.10 147
Atlas Air Worldwide Holdings Inc 3,463.49 4,549.10 355.88 1,724
Arch Capital Group Ltd 34,632.89 13,634.00 4,442.00 5,200
Aecom 12,555.71 14,894.08 111.97 92,000
American Church Mortgage Company 0.19 -0.39 -1.54 2
Assured Guaranty Ltd 5,457.18 1,373.00 761.00 300
Argan Inc 663.98 580.76 36.58 862
Aspen Insurance Holdings Limited 0.00 2,890.00 51.10 0
American International Group Inc 54,674.45 46,802.00 3,878.00 36,600
Amerinst Insurance Group Ltd 0.00 2.24 -2.56 22
Arthur J Gallagher and Co 55,519.39 19,196.90 1,141.10 39,000
Ally Financial Inc 11,487.99 8,214.00 910.00 7,100
Allison Transmission Holdings Inc 6,844.27 2,978.00 644.00 2,700
Amerisafe Inc 971.37 306.50 63.71 449
American National Group Inc 5,108.64 4,299.31 639.89 4,736
Aon Plc 65,540.84 13,407.00 2,628.00 50,000
Aspira Women s Health Inc 35.20 9.18 -20.91 1,433
American Axle and Manufacturing Holdings Inc 763.53 6,079.30 -33.60 13,050
Axis Capital Holdings Limited 5,436.82 5,643.39 376.29 1,225
Bank Of America Corporation 290,722.29 98,581.00 26,515.00 208,000
Bimi International Medical Inc 18.07 18.09 -22.66 0
Badger Meter Inc 4,534.18 668.01 85.42 1,514
Berkshire Hathaway Inc 492,047.10 349,271.00 77,710.00 0
Brown and Brown Inc 24,118.16 4,132.40 747.00 12,023
Borgwarner Inc 7,507.02 14,198.00 695.00 49,300
Bwx Technologies Inc 9,123.02 2,496.31 246.32 5,300
China Automotive Systems inc 102.64 515.49 -6.14 4,230
The Cigna Group 104,714.28 195,265.00 5,372.00 73,700
Citizens Inc 110.98 240.68 24.44 620
Circor International Inc 1,141.95 817.81 0.42 2,400
Centene Corporation 42,042.03 153,695.00 1,740.00 72,500
Cno Financial Group Inc 3,051.87 4,146.80 276.50 3,500
Capital one financial corp 52,250.14 26,361.00 4,810.00 50,767
Mr Cooper Group Inc 5,115.07 1,794.00 500.00 7,200
Cooper standard Holdings Inc 246.06 2,815.78 -203.32 29,000
Crane Company 7,462.50 2,165.70 412.40 0
Crawford and Co 384.85 1,338.22 -9.39 8,941
Corvel Corporation 4,291.40 749.96 74.72 3,508
China United Insurance Service Inc 46.04 134.74 15.91 2,239
Dana Inc 1,712.92 10,555.00 48.00 22,600
D r Horton Inc 50,861.91 35,928.60 4,782.60 13,237
Dover Corporation 24,512.23 8,437.63 2,326.83 25,000
Everest Group Ltd 16,428.87 18,223.53 3,349.75 0
Employers Holdings Inc 1,177.28 850.90 118.10 716
Emcor Group Inc 15,622.73 12,582.34 633.33 27,000
Emerson Electric Co 63,670.70 15,837.00 11,006.00 85,500
Erie Indemnity Company 21,795.28 3,297.91 446.06 4,800
Enstar Group Ltd 4,725.28 1,429.00 1,218.00 1,327
Eaton Corporation Plc 119,872.51 23,196.00 3,223.00 85,947
First American Financial Corporation 5,757.05 6,259.20 235.20 17,955
Franklin Electric Co Inc 4,789.48 2,065.01 194.73 5,200
First Horizon Corp 8,312.99 3,207.00 916.00 0
Fluor Corporation 7,018.50 15,573.00 123.00 37,508
Flowserve Corp 5,858.73 4,319.83 205.19 16,250
Fidelity National Financial Inc 13,339.14 11,752.00 518.00 54,091
First Trinity Financial Corp 0.00 75.76 7.92 9
Futu Holdings Ltd 62,442.93 975.97 375.17 150
Global Indemnity Group Llc 413.74 613.45 43.28 460
Greenlight Capital Re Ltd 412.40 657.11 158.01 30
Genworth Financial Inc 2,799.76 7,488.00 139.00 5,300
Genuine Parts Co 21,667.83 22,879.05 1,212.79 52,000
Huntington Bancshares Incorporated 19,078.50 6,958.00 1,971.00 0
Hillenbrand inc 3,393.87 2,943.60 548.10 6,000
Hill International inc 197.45 409.74 -2.20 4,558
Helios Technologies Inc 1,397.81 835.58 51.71 0
Horace Mann Educators Corporation 1,454.04 1,491.90 45.00 1,350
Hollysys Automation Technologies Ltd 1,570.09 729.49 107.07 3,600
Honeywell International Inc 131,436.61 36,662.00 5,672.00 99,000
H and r Block Inc 6,659.97 3,488.68 592.46 2,200
Horizon Global Corp 48.71 675.32 -91.22 2,700
Idex Corp 18,222.44 3,273.90 595.60 7,536
Investors Title Co 297.33 224.75 21.69 237
Itron Inc 3,994.97 2,172.91 98.32 6,065
Itt Inc 10,467.75 3,283.00 413.80 9,400
Jacobs Solutions Inc 18,660.40 16,713.14 754.44 60,000
Johnson Controls International Plc 42,948.80 26,273.00 1,994.00 102,000
Kb Home 5,629.77 6,410.63 590.18 1,590
Kbr Inc 8,147.40 6,956.00 -261.00 25,000
Keycorp 13,521.09 5,894.00 967.00 16,744
Loews Corp 17,547.69 15,901.00 1,545.00 10,340
Lennar Corp 44,924.27 34,233.37 3,961.29 9,495
Mbia Inc 306.50 95.00 -407.00 252
Midwest Holding Inc 102.33 37.47 1.06 0
Maiden Holdings Ltd 156.31 89.23 -38.57 204
Markel Group Inc 20,310.58 15,803.63 2,101.09 10,600
Marsh and Mclennan Companies Inc 103,202.71 22,814.00 3,802.00 83,000
Molina Healthcare Inc 23,508.52 34,072.00 1,091.00 14,000
M and t Bank Corporation 23,474.71 9,341.58 2,918.89 17,569
Mgic Investment Corp 5,898.29 1,155.10 712.95 800
Meritor Inc. 2,620.70 4,295.00 264.00 8,400
Matrix Service Co 361.92 765.45 -19.04 4,826
Minerals Technologies Inc 2,361.65 2,169.10 88.30 3,583
Mueller Water Products Inc 2,416.31 1,217.30 77.30 3,900
Nmi Holdings Inc 2,517.32 579.00 322.11 243
Enpro Inc 3,299.34 1,058.80 18.30 5,000
National Security Group Inc. 41.46 66.13 0.82 1
Northwest Bancshares inc 1,410.68 526.63 134.96 2,007
National Western Life Group Inc 1,717.33 639.35 128.42 261
Ocwen Financial Corporation 179.34 1,066.70 -63.70 11,400
Omnitek Engineering Corp 0.41 1.05 -0.17 11
Old Republic International Corporation 8,346.19 7,258.30 598.60 8,200
Oxbridge Re Holdings Limited 0.01 -4.34 -6.61 2
Pacwest Bancorp 896.48 860.79 -1,375.05 1,670
Pennymac Financial Services inc 4,468.50 1,933.04 144.66 2,509
Parker hannifin Corporation 69,913.85 19,826.04 2,633.17 55,090
Pultegroup Inc 24,464.96 16,061.58 2,602.37 6,182
Pnc Financial Services Group Inc -900.64 21,490.00 5,725.00 59,426
Pentair Plc 13,390.54 4,104.20 622.70 11,250
Partnerre Ltd 0.00 7,399.54 702.17 0
Quanta Services Inc 36,312.53 20,882.09 750.69 43,700
Radian Group Inc 5,015.33 1,240.59 603.12 1,881
Regions Financial Corporation 17,961.93 7,023.00 4,583.00 19,626
Reinsurance Group Of America Incorporated 12,434.71 18,567.00 909.00 2,201
Rli Corp 6,771.03 1,511.99 304.61 902
Renaissancere Holdings Ltd 11,471.49 9,134.61 3,620.13 376
Security National Financial Corporation 189.50 351.77 32.87 1,271
Siriuspoint Ltd 2,067.70 2,829.00 258.10 0
Stewart Information Services Corp 1,662.35 2,257.34 45.60 6,900
Sterling Infrastructure Inc 3,353.02 1,971.64 138.66 1,565
Superior Industries International Inc 70.92 1,477.41 -73.96 3,050
Tat Technologies Ltd 104.28 113.79 4.67 507
Truist Financial Corporation 46,437.36 21,281.00 -1,047.00 52,641
Gentherm Incorporated 1,800.55 1,444.48 18.05 10,098
Tiptree Inc 648.17 1,625.42 4.89 929
Telkonet Inc 3.94 8.45 -1.29 49
Tutor Perini Corporation 663.87 3,879.62 -127.60 10,626
Trupanion Inc 1,122.29 1,108.61 -44.69 439
Tetra Tech inc 9,510.55 1,588.28 231.72 13,000
Titan International Inc 782.56 1,820.85 83.71 600
Textron Inc 18,807.79 13,683.00 921.00 33,000
United Fire Group Inc 565.05 1,174.22 36.38 1,057
Unum Group 10,252.62 12,385.90 1,283.80 10,300
Utg Inc 98.25 44.80 16.24 42
Voya Financial Inc 7,627.66 7,348.00 729.00 0
Walker and Dunlop Inc 3,022.54 1,054.44 103.17 504
Willdan Group inc 378.04 509.77 10.93 637
Williams Industrial Services Group Inc 0.00 299.02 -63.21 0
Advanced Drainage Systems Inc 12,777.30 2,443.05 504.12 4,615
Watts Water Technologies Inc 6,838.73 2,055.90 262.10 4,800
Xylem Inc 27,780.44 7,364.00 609.00 17,300
Alleghany Corp 11,411.19 11,799.42 810.84 3,135
Zurn Elkay Water Solutions Corporation 5,550.48 1,530.10 112.70 1,300
SUBTOTAL 2,692,993.49 1,722,712.13 224,231.90 2,171,624


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