Essent Group Ltd. — Earnings Quality Grade A
ESNT · Financial Services
Strong financial health
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 13 days, change -3 days YoY
AR growth -19.6% vs revenue growth 1.7%
Revenue 1.7%, CFFO -0.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -56.1% vs revenue 1.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.24. Profits backed by cash
FCF $0.8B, FCF/NI = 1.23
Accruals ratio = -2.2%. Low accruals
Cash $6.2B covers debt $0.5B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Essent Group Ltd. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25