Essent Group Ltd serves the housing finance industry by providing private mortgage insurance, reinsurance, risk management products and title insurance and settlement services to mortgage lenders, borrowers, and investors to support homeownership. It provides 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. By providing capital to mitigate mortgage credit risk, the company allows lenders to make additional mortgage financing available to prospective homeowners. Essent writes mortgage guaranty coverage in all 50 states and the District of Columbia.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	0.34
Equity-to-Asset	0.79
Debt-to-Equity	0.08
Debt-to-EBITDA	0.49
Interest Coverage	28.31
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.4	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.2
	3-Year EBITDA Growth Rate	19.2
	3-Year EPS without NRI Growth Rate	18.8
	3-Year FCF Growth Rate	1.3
	3-Year Book Growth Rate	11.7
	Future 3-5Y EPS without NRI Growth Rate	10
	Future 3-5Y Total Revenue Growth Rate	7.94

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.79
	9-Day RSI	44.3
	14-Day RSI	44.39
	6-1 Month Momentum %	24.04
	12-1 Month Momentum %	41.57

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.91
	Dividend Payout Ratio	0.15
	3-Year Dividend Growth Rate	16
	Forward Dividend Yield %	2.09
	5-Year Yield-on-Cost %	1.91
	3-Year Average Share Buyback Ratio	1.8
	Shareholder Yield %	3.14

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	62.13
	FCF Margin %	67.71
	ROE %	14.66
	ROA %	11.55
	ROIC %	12.38
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.3
	Forward PE Ratio	8.2
	PE Ratio without NRI	8.3
	Shiller PE Ratio	10.75
	Price-to-Owner-Earnings	8.22
	PEG Ratio	0.9
	PS Ratio	5.17
	PB Ratio	1.13
	Price-to-Tangible-Book	1.14
	Price-to-Free-Cash-Flow	7.6
	Price-to-Operating-Cash-Flow	7.56
	EV-to-EBIT	7.07
	EV-to-EBITDA	7.03
	EV-to-Revenue	5.38
	EV-to-Forward-Revenue	4.9
	EV-to-FCF	7.94
	Price-to-Projected-FCF	0.49
	Price-to-Median-PS-Value	0.89
	Price-to-Peter-Lynch-Fair-Value	0.88
	Price-to-Graham-Number	0.65
	Price-to-Net-Cash	1.41
	Earnings Yield (Greenblatt) %	14.14
	FCF Yield %	13.17
	Forward Rate of Return (Yacktman) %	21.1

GF Value: $53.58

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