Roiver Score™ for
ESNTEssent Group LTD
Based on the annual report for the fiscal year ended December 31, 2025.
Essent Group LTD (ESNT) scores 74/100 (Solid) on the Roiver Score, a transparent quality composite, based on its annual report for the fiscal year ended December 31, 2025. Its strongest area is capital strength; its weakest is profitability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Banks, insurers and REITs are scored on measures suited to them. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about ESNT
What is ESNT's Roiver Score?
Essent Group LTD scores 74 out of 100 (Solid). Based on the annual report for the fiscal year ended December 31, 2025.
How is the Roiver Score for ESNT calculated?
It combines profitability, capital strength, cash generation, valuation and stability into a transparent 0–100 composite. Five components, each scored 0–20. If one can't be measured from a company's filings, the score is scaled from the ones that can (at least three are required). Essent Group LTD is scored with the property & casualty insurer model: This score uses measures suited to property & casualty insurers in place of the standard five, because ratios like debt-to-equity mean something different for them. The full methodology is published.
Is ESNT a good quality stock?
On quality, ESNT rates "Solid" (74/100). Its strongest driver is capital strength and its weakest is profitability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.