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Market Price

44.66 

-1.51 -3.3%

as of Jun 18 '21

52 Week Range:

30.76 54.22


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 2.53
8.59
11.62
14.07
18.08
22.57
29.02
33.33
growth rate 239.5% 35.3% 21.1% 28.5% 24.8% 28.6% 14.9%
Earnings BIT -27.63
-34.45
-13.88
58.00
135.93
228.40
312.31
403.75
556.88
669.21
499.17
growth rate 0.0% 0.0% 100.0% 134.4% 68.0% 36.7% 29.3% 37.9% 20.2% -25.4%
Avg.PE 6.66
23.35
11.53
14.80
11.84
9.31
9.82
10.63
growth rate 250.6% -50.6% 28.4% -20.0% -21.4% 5.5% 8.3%
ROA -15.97
-5.49
2.23
8.70
11.87
13.28
16.67
16.05
15.82
9.10
growth rate 0.0% 100.0% 290.1% 36.4% 11.9% 25.5% -3.7% -1.4% -42.5%
ROE -19.06
-6.85
2.70
10.55
15.16
18.08
23.13
21.71
20.77
12.06
growth rate 0.0% 100.0% 290.7% 43.7% 19.3% 27.9% -6.1% -4.3% -41.9%
ROIC -19.06
-6.85
13.90
10.55
growth rate 0.0% 100.0% -24.1%
Leverage 1.19
1.29
1.18
1.24
1.31
1.40
1.38
1.33
1.30
1.35
growth rate 8.4% -8.5% 5.1% 5.7% 6.9% -1.4% -3.6% -2.3% 3.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 1.59
5.00
10.00
15.81
16.64
21.63
29.75
36.88
40.66
50.14
growth rate 213.7% 100.0% 58.1% 5.2% 30.0% 37.5% 24.0% 10.2% 23.3%
Acct.Payable 6.17
1.00
13.08
14.59
17.76
28.14
46.85
49.46
69.36
37.40
growth rate -83.8% 1,207.6% 11.5% 21.8% 58.5% 66.5% 5.6% 40.2% -46.1%
Cur.Assets 36.00
512.00
316.33
254.42
372.27
650.93
476.24
707.79
1,202.41
growth rate 1,322.2% -38.2% -19.6% 46.3% 74.9% -26.8% 48.6% 69.9%
Total Assets 210.07
283.00
854.00
1,181.46
1,469.10
1,883.00
2,674.37
3,149.97
3,873.43
5,202.72
growth rate 34.7% 201.8% 38.3% 24.4% 28.2% 42.0% 17.8% 23.0% 34.3%
Cash 18.50
22.00
478.00
24.41
24.61
27.53
43.52
64.95
71.35
102.83
growth rate 18.9% 2,072.7% -94.9% 0.8% 11.9% 58.1% 49.2% 9.9% 44.1%
Cur.Liabilities 54.00
124.00
179.98
246.90
281.64
342.71
387.95
402.12
368.13
growth rate 129.6% 45.1% 37.2% 14.1% 21.7% 13.2% 3.7% -8.5%
Liabilities 34.01
64.00
132.00
225.72
349.86
539.23
733.93
784.25
888.58
1,340.09
growth rate 88.2% 106.3% 71.0% 55.0% 54.1% 36.1% 6.9% 13.3% 50.8%
LT Debt 100.00
100.00
100.00
248.59
223.66
224.24
321.72
growth rate 0.0% 0.0% 148.6% -10.0% 0.3% 43.5%
Equity 176.06
219.12
722.14
955.74
1,119.24
1,343.77
1,940.44
2,365.72
2,984.85
3,862.63
growth rate 24.5% 229.6% 32.4% 17.1% 20.1% 44.4% 21.9% 26.2% 29.4%
Common Shares 38.00
38.00
38.00
18.00
86.00
92.00
92.00
95.00
98.00
98.00
106.00
growth rate 0.0% 0.0% -52.6% 377.8% 7.0% 0.0% 3.3% 3.2% 0.0% 8.2%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 2.10
1.27
3.00
3.00
3.89
4.96
3.16
2.78
4.05
3.41
2.45
growth rate -39.7% 137.0% 0.0% 29.8% 27.4% -36.3% -12.0% 45.7% -15.9% -28.3%
Cash Dividends 1.80
0.00
0.00
0.00
29.35
29.35
29.35
29.35
69.41
growth rate -100.0% 0.0% 0.0% 0.0% 136.5%
Cash From OA 37.00
119.00
153.70
226.56
274.56
368.57
625.32
589.85
727.93
growth rate 221.6% 29.2% 47.4% 21.2% 34.2% 69.7% -5.7% 23.4%
FCF per Share 0.39
1.48
2.27
2.82
3.44
6.11
5.71
6.91
growth rate 279.5% 53.4% 24.2% 22.0% 77.6% -6.6% 21.0%
Sale Purchase of Stock 24.46
53.58
438.09
126.44
197.83
197.83
197.83
-31.41
-9.01
growth rate 119.0% 717.6% -71.1% 56.5% 0.0% 0.0% -100.0% 0.0%
FCF -24.00
-10.00
34.00
116.00
150.00
219.00
270.00
366.00
621.00
586.00
725.00
growth rate 0.0% 100.0% 241.2% 29.3% 46.0% 23.3% 35.6% 69.7% -5.6% 23.7%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 6.30
14.39
49.00
131.00
239.47
353.29
458.26
576.51
719.35
867.57
955.15
growth rate 128.4% 240.6% 167.4% 82.8% 47.5% 29.7% 25.8% 24.8% 20.6% 10.1%
Op.Income -33.56
-14.00
58.00
135.93
228.40
312.31
403.75
556.88
669.21
499.17
growth rate 0.0% 100.0% 134.4% 68.0% 36.7% 29.3% 37.9% 20.2% -25.4%
IBT -27.60
-34.45
-13.88
58.03
135.93
228.40
311.88
398.57
546.70
659.06
490.10
growth rate 0.0% 0.0% 100.0% 134.3% 68.0% 36.6% 27.8% 37.2% 20.6% -25.6%
Net Income -27.60
-33.56
-14.00
65.00
88.50
157.33
222.61
379.75
467.36
555.71
413.04
growth rate 0.0% 0.0% 100.0% 36.2% 77.8% 41.5% 70.6% 23.1% 18.9% -25.7%
EPS -0.72
-0.87
-0.35
0.70
1.03
1.72
2.41
3.99
4.77
5.66
3.88
growth rate 0.0% 0.0% 100.0% 47.1% 67.0% 40.1% 65.6% 19.6% 18.7% -31.5%
Gross Profit 33.00
105.00
200.21
300.63
396.35
422.43
571.95
780.44
612.45
growth rate 218.2% 90.7% 50.2% 31.8% 6.6% 35.4% 36.5% -21.5%
R&D 0.00
growth rate

Quarterly Statements

Item Name Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Earnings BIT 178.83
21.38
150.66
148.30
growth rate -88.0% 604.6% -1.6%
Balance Sheet Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Acct.Receivable 41.23
39.75
45.43
50.14
45.62
growth rate -3.6% 14.3% 10.4% -9.0%
Acct.Payable 73.34
250.89
307.74
37.40
411.12
growth rate 242.1% 22.7% -87.9% 999.4%
Cur.Assets 947.91
1,541.34
1,415.37
1,202.41
growth rate 62.6% -8.2% -15.1%
Total Assets 4,186.93
4,899.95
5,107.09
5,202.72
5,331.85
growth rate 17.0% 4.2% 1.9% 2.5%
Cash 31.06
72.79
118.69
102.83
81.02
growth rate 134.4% 63.1% -13.4% -21.2%
Inventory
growth rate
Cur.Liabilities 386.08
569.52
644.44
368.13
growth rate 47.5% 13.2% -42.9%
Liabilities 1,079.86
1,276.62
1,360.54
1,340.09
1,410.91
growth rate 18.2% 6.6% -1.5% 5.3%
LT Debt 424.38
424.52
424.66
321.72
322.02
growth rate 0.0% 0.0% -24.2% 0.1%
Equity 3,107.07
3,623.33
3,746.54
3,862.63
3,920.94
growth rate 16.6% 3.4% 3.1% 1.5%
Common Shares 1.48
1.69
1.69
1.69
1.69
growth rate 14.0% 0.0% 0.0% 0.4%
Cash Flow Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Capital Expenditures 0.47
0.47
0.42
1.09
growth rate 0.4% -10.3% 160.0%
Cash Dividends 15.69
17.91
17.91
17.91
growth rate 14.1% 0.0% 0.0%
Cash From OA 163.13
182.65
202.72
179.43
187.77
growth rate 12.0% 11.0% -11.5% 4.7%
Sale Purchase of Stock -6.31
440.45
-0.48
growth rate 100.0% -100.0%
FCF 162.67
182.19
202.30
178.33
growth rate 12.0% 11.0% -11.9%
Income Statement Mar '20 Jun '20 Sep '20 Dec '20 Mar '21
Sales 228.84
236.08
243.04
247.20
244.80
growth rate 3.2% 3.0% 1.7% -1.0%
Op.Income 178.83
21.38
150.66
148.30
growth rate -88.0% 604.6% -1.6%
IBT 176.70
18.82
148.43
146.15
168.19
growth rate -89.4% 688.9% -1.5% 15.1%
Net Income 149.52
15.38
124.54
123.60
135.65
growth rate -89.7% 709.7% -0.8% 9.8%
EPS
growth rate
Gross Profit 208.13
50.52
178.77
175.03
growth rate -75.7% 253.9% -2.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (73.37)

YOY Growth Grade:

B (71.41)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 12.37 12.30 7.91
EPS / Growth 40.8% 3.63 15.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 31.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 15.1% 28.9% 28.9%
Future PE 7.91 10.88 26.05
Future EPS 14.76 46.07 46.07
Value Price
MOS %
28.85
-35.4%
123.93
177.5%
296.62
564.2%
MOS Price 14.42 61.97 148.31
IRT 6.83 5.19 5.19

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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