Profitability
Weight: 25%
A+
100
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 3.7%
ESNT
Essent Group Ltd.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B+
80
- 5yr Avg ROE 14.7%
- 5yr Share-Count CAGR -1.2%
Growth Quality
Weight: 10%
C-
47
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 2.7%
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
A+
100
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 8.0%
Balance Sheet
Weight: 25%
B+
79
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.17x
- Interest Coverage (EBIT/Int) 26.14x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.38
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed; 1 full exit.
- Holders
- 2
- Avg Δ position
- +11.6%
- New buys
- 0
- Full exits
- 1