Profitability
Weight: 25%
B
70
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 9.8%
- Operating Margin Trend -5.91 pp/yr
ESNT
Essent Group Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
83
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 12.8%
- 5yr Share-Count CAGR -2.7%
Growth Quality
Weight: 10%
B+
79
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 21.8%
- 5yr EPS CAGR 3.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
92
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.05x
Balance Sheet
Weight: 30%
A+
100
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 77.4%
- Interest Coverage (EBIT/Int) 26.14x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.38
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added; 1 full exit.
- Holders
- 2
- Avg Δ position
- +276.6%
- New buys
- 1
- Full exits
- 1