Essent Group Ltd.

NYSE•ESNT

CEO: Mr. Mark Anthony Casale

セクター: Financial Services

業種: Insurance - Specialty

上場日: 2013-10-31

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, as well as risk management products and title insurance and settlement services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was incorporated in 2008 and is based in Hamilton, Bermuda.

連絡先情報

Clarendon House, 2 Church Street, Hamilton, Bermuda

441-297-9901

www.essentgroup.com

時価総額

$5.58B

PER (TTM)

8.0

配当利回り

2.1%

52週高値

$67.09

52週安値

$51.61

52週レンジ

39%

順位13Top 2.2%

6.8

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

強い • 6.8 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$312.40M+0.00%

直近4四半期の推移

EPS

$1.62+0.00%

直近4四半期の推移

フリーCF

$227.95M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

Net Income Decreased Net income $690.0M, down from $729.4M in 2024 due to significantly higher loss provisions.

Mortgage Insurance Portfolio Grows Insurance in Force (IIF) reached $248.4B as of December 31, 2025, increasing from $243.6B end 2024.

Loss Provision Increased Sharply Provision for losses $149.3M in 2025, substantially higher than $81.2M recorded in the prior year.

Share Repurchase Activity High Repurchased 2.05M shares for $125.0M during Q4 2025 under active board authorizations.

リスク要因

Competition Pressures Pricing Intense industry competition risks lower premiums and looser underwriting, negatively impacting Net Insurance Written (NIW).

Customer Concentration Risk Top ten customers drove 59.3% of 2025 NIW; loss of a significant customer critically impacts revenues.

Portfolio Maturing Increases Claims Portfolio aging suggests incurred losses and claims will increase as more policies enter peak default frequency years.

Regulatory Uncertainty Persists Ongoing GSE reform uncertainty and Basel III Endgame proposals could adversely affect business structure and demand.

見通し

Reinsurance Segment Expansion Essent Re entered Lloyd's of London market in Q4 2025; third-party reinsurance now a separate segment in 2026.

Technology Investment Continues Ongoing upgrades focus on web-based ordering systems and enhanced underwriting productivity tools for efficiency.

Capital Allocation Focus Board approved additional $1.0B share repurchase capacity through 2027 to support capital management objectives.

Investment Strategy Stable Portfolio strategy prioritizes capital preservation, liquidity, and limiting correlation to residential mortgage market assets.

同業比較

売上高 (TTM)

ACGL

$19.93B

+17.7%

EQH

$11.67B

-6.2%

FAF

$7.45B

+21.8%

粗利益率 (最新四半期)

SNV

96.5%

+38.9pp

FAF

95.9%

+8.5pp

RDN

95.7%

-1.0pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
ACGL	$34.17B	7.9	19.0%	4.1%
EQH	$10.62B	-7.7	-152.3%	2.1%
SNV	$6.95B	8.7	14.5%	5.1%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-1.2%

横ばい

4四半期純利益CAGR

-4.0%

収益性の安定

キャッシュフロー安定性

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年5月1日

EPS:$1.69

売上高:$302.41M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし