Essent Group Ltd
stock US:ESNT (NYSE)
Market Price
37.90
-0.34 -0.9%
as of Mar 23 '23
52 Week Range:
34.27 45.01
Stock Analyzer Tutorials
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.
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.
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.
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.
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
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 measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).
Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).
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
Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.
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."
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 '11 | Dec '12 | Dec '13 | Dec '14 | Dec '15 | Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity (BVPS) | 2.53
|
8.59
|
11.62
|
14.07
|
18.08
|
22.57
|
29.02
|
33.33
|
38.11
|
||
| growth rate | 239.5% | 35.3% | 21.1% | 28.5% | 24.8% | 28.6% | 14.9% | 14.3% | |||
| Earnings BIT | -34.45
|
-13.88
|
58.00
|
135.93
|
228.40
|
312.31
|
403.75
|
556.88
|
669.21
|
499.17
|
830.60
|
| growth rate | 0.0% | 100.0% | 134.4% | 68.0% | 36.7% | 29.3% | 37.9% | 20.2% | -25.4% | 66.4% | |
| Avg.PE | 6.66
|
23.35
|
11.53
|
14.80
|
11.84
|
9.31
|
9.82
|
10.63
|
8.01
|
||
| growth rate | 250.6% | -50.6% | 28.4% | -20.0% | -21.4% | 5.5% | 8.3% | -24.7% | |||
| ROA | -15.97
|
-5.49
|
2.23
|
8.70
|
11.87
|
13.28
|
16.67
|
16.05
|
15.82
|
9.10
|
12.48
|
| growth rate | 0.0% | 100.0% | 290.1% | 36.4% | 11.9% | 25.5% | -3.7% | -1.4% | -42.5% | 37.1% | |
| ROE | -19.06
|
-6.85
|
2.70
|
10.55
|
15.16
|
18.08
|
23.13
|
21.71
|
20.77
|
12.06
|
16.84
|
| growth rate | 0.0% | 100.0% | 290.7% | 43.7% | 19.3% | 27.9% | -6.1% | -4.3% | -41.9% | 39.6% | |
| 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
|
1.35
|
| growth rate | 8.4% | -8.5% | 5.1% | 5.7% | 6.9% | -1.4% | -3.6% | -2.3% | 3.9% | 0.0% | |
| Balance Sheet | Dec '11 | Dec '12 | Dec '13 | Dec '14 | Dec '15 | Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 |
| Acct.Receivable | 1.59
|
5.00
|
10.00
|
15.81
|
16.64
|
21.63
|
29.75
|
36.88
|
40.66
|
50.14
|
46.16
|
| growth rate | 213.7% | 100.0% | 58.1% | 5.2% | 30.0% | 37.5% | 24.0% | 10.2% | 23.3% | -7.9% | |
| Acct.Payable | 6.17
|
1.00
|
13.08
|
14.59
|
17.76
|
28.14
|
46.85
|
49.46
|
69.36
|
374.94
|
34.55
|
| growth rate | -83.8% | 1,207.6% | 11.5% | 21.8% | 58.5% | 66.5% | 5.6% | 40.2% | 440.6% | -90.8% | |
| Cur.Assets | 36.00
|
512.00
|
316.33
|
254.42
|
372.27
|
650.93
|
476.24
|
707.79
|
102.83
|
81.49
|
|
| growth rate | 1,322.2% | -38.2% | -19.6% | 46.3% | 74.9% | -26.8% | 48.6% | -85.5% | -20.8% | ||
| 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
|
5,722.17
|
| growth rate | 34.7% | 201.8% | 38.3% | 24.4% | 28.2% | 42.0% | 17.8% | 23.0% | 34.3% | 10.0% | |
| Cash | 18.50
|
22.00
|
478.00
|
24.41
|
24.61
|
27.53
|
43.52
|
64.95
|
71.35
|
102.83
|
81.49
|
| growth rate | 18.9% | 2,072.7% | -94.9% | 0.8% | 11.9% | 58.1% | 49.2% | 9.9% | 44.1% | -20.8% | |
| Cur.Liabilities | 54.00
|
124.00
|
179.98
|
246.90
|
281.64
|
342.71
|
387.95
|
402.12
|
321.72
|
419.82
|
|
| growth rate | 129.6% | 45.1% | 37.2% | 14.1% | 21.7% | 13.2% | 3.7% | -20.0% | 30.5% | ||
| Liabilities | 34.01
|
64.00
|
132.00
|
225.72
|
349.86
|
539.23
|
733.93
|
784.25
|
888.58
|
1,340.09
|
1,486.06
|
| growth rate | 88.2% | 106.3% | 71.0% | 55.0% | 54.1% | 36.1% | 6.9% | 13.3% | 50.8% | 10.9% | |
| LT Debt | 100.00
|
100.00
|
100.00
|
248.59
|
223.66
|
224.24
|
321.72
|
419.82
|
|||
| growth rate | 0.0% | 0.0% | 148.6% | -10.0% | 0.3% | 43.5% | 30.5% | ||||
| 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
|
4,236.11
|
| growth rate | 24.5% | 229.6% | 32.4% | 17.1% | 20.1% | 44.4% | 21.9% | 26.2% | 29.4% | 9.7% | |
| Common Shares | 38.00
|
38.00
|
18.00
|
86.00
|
92.00
|
92.00
|
95.00
|
1.47
|
1.48
|
112.42
|
109.38
|
| growth rate | 0.0% | -52.6% | 377.8% | 7.0% | 0.0% | 3.3% | -98.5% | 0.3% | 7,516.7% | -2.7% | |
| Cash Flow Statement | Dec '11 | Dec '12 | Dec '13 | Dec '14 | Dec '15 | Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 |
| Capital Expenditures | 1.27
|
3.00
|
3.00
|
3.89
|
4.96
|
3.16
|
2.78
|
4.05
|
3.41
|
2.45
|
2.50
|
| growth rate | 137.0% | 0.0% | 29.8% | 27.4% | -36.3% | -12.0% | 45.7% | -15.9% | -28.3% | 2.1% | |
| Cash Dividends | 0.00
|
0.00
|
0.00
|
29.35
|
29.35
|
29.35
|
29.35
|
-69.41
|
-77.72
|
||
| growth rate | 0.0% | 0.0% | 0.0% | -100.0% | 0.0% | ||||||
| Cash From OA | 37.00
|
119.00
|
153.70
|
226.56
|
274.56
|
368.57
|
625.32
|
589.85
|
727.93
|
709.26
|
|
| growth rate | 221.6% | 29.2% | 47.4% | 21.2% | 34.2% | 69.7% | -5.7% | 23.4% | -2.6% | ||
| FCF per Share | 0.39
|
1.48
|
2.27
|
2.82
|
3.44
|
6.11
|
5.71
|
6.91
|
6.20
|
||
| growth rate | 279.5% | 53.4% | 24.2% | 22.0% | 77.6% | -6.6% | 21.0% | -10.3% | |||
| 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 | -10.00
|
34.00
|
116.00
|
150.00
|
219.00
|
270.00
|
366.00
|
621.00
|
586.00
|
725.00
|
707.00
|
| growth rate | 100.0% | 241.2% | 29.3% | 46.0% | 23.3% | 35.6% | 69.7% | -5.6% | 23.7% | -2.5% | |
| Income Statement | Dec '11 | Dec '12 | Dec '13 | Dec '14 | Dec '15 | Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 |
| Sales | 14.39
|
49.00
|
131.00
|
239.47
|
353.29
|
458.26
|
576.51
|
719.35
|
867.57
|
955.15
|
1,028.51
|
| growth rate | 240.6% | 167.4% | 82.8% | 47.5% | 29.7% | 25.8% | 24.8% | 20.6% | 10.1% | 7.7% | |
| Op.Income | -33.56
|
-14.00
|
58.00
|
135.93
|
228.40
|
312.31
|
403.75
|
556.88
|
669.21
|
918.23
|
986.82
|
| growth rate | 0.0% | 100.0% | 134.4% | 68.0% | 36.7% | 29.3% | 37.9% | 20.2% | 37.2% | 7.5% | |
| IBT | -34.45
|
-13.88
|
58.03
|
135.93
|
228.40
|
311.88
|
398.57
|
546.70
|
659.06
|
490.10
|
822.31
|
| growth rate | 0.0% | 100.0% | 134.3% | 68.0% | 36.6% | 27.8% | 37.2% | 20.6% | -25.6% | 67.8% | |
| Net Income | -33.56
|
-14.00
|
65.00
|
88.50
|
157.33
|
222.61
|
379.75
|
467.36
|
555.71
|
413.04
|
681.78
|
| growth rate | 0.0% | 100.0% | 36.2% | 77.8% | 41.5% | 70.6% | 23.1% | 18.9% | -25.7% | 65.1% | |
| EPS | -0.87
|
-0.35
|
0.70
|
1.03
|
1.72
|
2.41
|
3.99
|
4.77
|
5.66
|
3.88
|
6.11
|
| growth rate | 0.0% | 100.0% | 47.1% | 67.0% | 40.1% | 65.6% | 19.6% | 18.7% | -31.5% | 57.5% | |
| Gross Profit | 33.00
|
105.00
|
200.21
|
300.63
|
396.35
|
422.43
|
571.95
|
685.80
|
936.69
|
1,007.67
|
|
| growth rate | 218.2% | 90.7% | 50.2% | 31.8% | 6.6% | 35.4% | 19.9% | 36.6% | 7.6% | ||
| R&D | 0.00 | ||||||||||
| growth rate |
Quarterly Statements
| Item Name | Sep '21 | Dec '21 | Mar '22 | Jun '22 | Sep '22 |
|---|---|---|---|---|---|
| Earnings BIT | 248.75
|
219.12
|
330.67
|
278.71
|
215.37
|
| growth rate | -11.9% | 50.9% | -15.7% | -22.7% | |
| Balance Sheet | Sep '21 | Dec '21 | Mar '22 | Jun '22 | Sep '22 |
| Acct.Receivable | 47.76
|
46.16
|
45.17
|
51.28
|
|
| growth rate | -3.4% | -2.1% | 13.5% | ||
| Acct.Payable | 412.96
|
34.55
|
293.07
|
209.97
|
|
| growth rate | -91.6% | 748.4% | -28.4% | ||
| Cur.Assets | 65.83
|
81.49
|
203.84
|
77.85
|
79.47
|
| growth rate | 23.8% | 150.1% | -61.8% | 2.1% | |
| Total Assets | 5,589.52
|
5,722.17
|
5,586.14
|
5,521.10
|
5,556.90
|
| growth rate | 2.4% | -2.4% | -1.2% | 0.7% | |
| Cash | 65.83
|
81.49
|
203.85
|
77.85
|
|
| growth rate | 23.8% | 150.1% | -61.8% | ||
| Inventory | |||||
| growth rate | |||||
| Cur.Liabilities | 322.61
|
419.82
|
420.07
|
420.34
|
405.91
|
| growth rate | 30.1% | 0.1% | 0.1% | -3.4% | |
| Liabilities | 1,421.53
|
1,486.06
|
1,371.08
|
1,249.11
|
1,262.70
|
| growth rate | 4.5% | -7.7% | -8.9% | 1.1% | |
| LT Debt | 322.61
|
419.82
|
420.07
|
420.34
|
|
| growth rate | 30.1% | 0.1% | 0.1% | ||
| Equity | 4,167.98
|
4,236.11
|
4,215.07
|
4,271.99
|
4,294.21
|
| growth rate | 1.6% | -0.5% | 1.4% | 0.5% | |
| Common Shares | 110.92
|
109.38
|
108.14
|
107.70
|
107.70
|
| growth rate | -1.4% | -1.1% | -0.4% | 0.0% | |
| Cash Flow Statement | Sep '21 | Dec '21 | Mar '22 | Jun '22 | Sep '22 |
| Capital Expenditures | 0.93
|
0.80
|
0.72
|
0.93
|
0.86
|
| growth rate | -13.7% | -10.8% | 30.3% | -7.6% | |
| Cash Dividends | -19.93
|
-20.78
|
-21.59
|
-22.44
|
-23.51
|
| growth rate | 0.0% | 0.0% | 0.0% | 0.0% | |
| Cash From OA | 178.37
|
191.09
|
180.63
|
63.27
|
172.56
|
| growth rate | 7.1% | -5.5% | -65.0% | 172.7% | |
| Sale Purchase of Stock | |||||
| growth rate | |||||
| FCF | 177.44
|
190.29
|
179.91
|
62.34
|
171.70
|
| growth rate | 7.2% | -5.5% | -65.4% | 175.4% | |
| Income Statement | Sep '21 | Dec '21 | Mar '22 | Jun '22 | Sep '22 |
| Sales | 283.54
|
256.92
|
264.61
|
244.41
|
261.77
|
| growth rate | -9.4% | 3.0% | -7.6% | 7.1% | |
| Op.Income | 272.51
|
247.38
|
63.84
|
236.01
|
252.36
|
| growth rate | -9.2% | -74.2% | 269.7% | 6.9% | |
| IBT | 246.68
|
217.02
|
328.45
|
275.82
|
210.92
|
| growth rate | -12.0% | 51.3% | -16.0% | -23.5% | |
| Net Income | 205.35
|
180.99
|
274.17
|
231.77
|
178.05
|
| growth rate | -11.9% | 51.5% | -15.5% | -23.2% | |
| EPS | |||||
| growth rate | |||||
| Gross Profit | 278.02
|
252.15
|
259.80
|
240.21
|
257.06
|
| growth rate | -9.3% | 3.0% | -7.5% | 7.0% | |
| 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.
Value Price
PE and EPS
| Historical | Current | Forward | |
|---|---|---|---|
| PE | 9.33 | 5.01 | 5.96 |
| EPS / Growth | 12.0% | 7.56 | 10.0% |
Value Price & Investment Recovery Time
Read more about Stock2Own value price in Stock Market: Fundamental Analysis.
Equity Growth Rate: 24.7%
| Estimates | Pessimistic | Moderate | Optimistic | My Numbers |
|---|---|---|---|---|
| Rate of Return | 15.0% | |||
| MOS Price % | 50 % | |||
| Future EPS Growth | 10.0% | 15.6% | 15.6% | |
| Future PE | 5.96 | 8.21 | 15.49 | |
| Future EPS | 19.61 | 32.19 | 32.19 | |
| Value Price MOS % |
28.90
-23.8% |
65.31
72.3% |
123.26
225.2% |
|
| MOS Price | 14.45 | 32.65 | 61.63 | |
| IRT | 3.94 | 3.55 | 3.55 | |
Graham Number:
Read more about Graham Number in Stock Market: Fundamental Analysis.
Price Chart
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Risk / Reward Ratios
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