NASDAQ · STOCK
Essent Group Ltd.
$65.99
52W $55.34 – $68.62
63/100
$6.08B
9.3
0.76
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is ESNT Bullish or Bearish?
Bullish.
Innellis AI committee rates Essent Group Ltd. (ESNT) Buy with a composite score of 63/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.79 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.21 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 9.0 is inexpensive for the broad market — Value
- Price-to-book of 1.1x is a discount to asset value — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- News sentiment is negative (-0.17 across 6 articles, 14d) — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
63/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 20%
of 141 Financial Services peers
Value Analyst
bullish
77
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 9.0 is inexpensive for the broad market
Growth Analyst
bullish
62
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
69
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
Risk Analyst
bullish
80
/ 100 · Low confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.09) -- balance sheet can absorb a shock
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
52
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
− News sentiment is negative (-0.17 across 6 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 64.0 to 63.2.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 71% to 57%.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: score 58->52 (-5); +1 bearish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: score 61->69 (+8).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
51.4
Neutral
MACD Histogram
-0.062
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$58.62
Resistance
$66.24
Bollinger %B
0.61
Inside Bands
Price vs Moving Averages
EMA 9
$66.24
Below
EMA 21
$65.21
Above
EMA 50
$63.38
Above
EMA 200
$61.54
Above
Fundamental Analysis
Valuation
67
Growth
60
Profitability
1
Financial Health
100
Cash Flow
37
Valuation
P/E Ratio
9.3×
P/B Ratio
1.09×
PEG Ratio
3.57
Dividend Yield
0.02%
52W High
$68.62
52W Low
$55.34
Quality & Growth
ROE
12.0%
ROA
9.3%
Gross Margin
87.1%
Operating Margin
63.8%
Revenue Growth YoY
—
Debt / Equity
0.09
AI Fundamental Assessment
P/E ratio of 9.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 3.6 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.1%; Net margin of 0.5%; Gross margin of 0.9%; Current ratio of 5.91 (healthy short-term liquidity); Debt-to-equity of 0.09; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (8.73); Most recent quarter beat estimates by 6.0%; EPS growth accelerating (-4.2% -> +13.7% QoQ); Analyst estimates falling over recent quarters
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