{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "561964ae-d730-4e82-8823-48cbc86599cd",
    "symbol": "ESNT",
    "name": "Essent Group Ltd",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Insurance - Specialty",
    "chart_url": "https://sharemaestro.com/terminal/561964ae-d730-4e82-8823-48cbc86599cd/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "561964ae-d730-4e82-8823-48cbc86599cd",
      "symbol": "ESNT",
      "name": "Essent Group Ltd",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Insurance - Specialty",
      "chart_url": "https://sharemaestro.com/terminal/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "ESNT",
    "market_cap": 5379884544.0,
    "market_cap_usd": 5293260278.4,
    "price": 58.380001,
    "currency": "USD",
    "dividend_yield": 0.0242,
    "dividend_years": 7,
    "dividend_growth_5y": -0.00632962,
    "dividend_cut_5y": true,
    "payout_ratio": 0.1821,
    "net_income": 689969000.0,
    "free_cash_flow": 848689000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 8.701,
    "revenue_growth_5y": 0.05711896,
    "net_margin": 0.53643,
    "roe": 0.12088,
    "pe_ratio": 8.30441,
    "price_vs_ma": -0.03947059,
    "return_3y": 0.3853885,
    "return_5y": 0.36622752,
    "max_drawdown": -0.31845144,
    "scores": {
      "dividend_reliability": 10.6,
      "dividend_sustainability": 17.0,
      "business_quality": 22.5,
      "valuation": 13.0,
      "trend": 10.0,
      "total": 73.1,
      "confidence": 100.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Debt to equity is elevated at 8.70."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/",
      "chart": "https://sharemaestro.com/terminal/561964ae-d730-4e82-8823-48cbc86599cd/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 10.6,
    "dividend_sustainability": 17.0,
    "business_quality": 22.5,
    "valuation": 13.0,
    "trend": 10.0,
    "total": 73.1,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Debt to equity is elevated at 8.70."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend review warning",
      "detail": "Debt to equity is elevated at 8.70.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2026-06-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.9%",
      "detail": "Payment changed from 0.31 to 0.35.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2026-03-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2025-05-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.31 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.31,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 10.7%",
      "detail": "Payment changed from 0.28 to 0.31.",
      "amount": 0.31,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2025-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.31 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.31,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2024-12-02",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.28 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.28,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2024-08-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.28 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.28,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2024-05-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.28 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.28,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2024-03-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.0%",
      "detail": "Payment changed from 0.25 to 0.28.",
      "amount": 0.28,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2024-03-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.28 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.28,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2023-11-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2023-05-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2023-03-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.7%",
      "detail": "Payment changed from 0.23 to 0.25.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2023-03-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "ESNT dividend payment 0.25 USD",
      "detail": "Recorded dividend payment for Essent Group Ltd.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2022-03-09",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 0.19 to 0.2.",
      "amount": 0.2,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    },
    {
      "event_date": "2021-11-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "ESNT",
      "exchange": "NYSE",
      "headline": "Dividend increased 5.6%",
      "detail": "Payment changed from 0.18 to 0.19.",
      "amount": 0.19,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/561964ae-d730-4e82-8823-48cbc86599cd/"
    }
  ]
}