Is Essent Group Ltd. (ESNT) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Specialty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Specialty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Specialty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Specialty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Specialty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 80.1% | |
| Operating Margin | 61.7% | |
| Net Margin | 54.7% | |
| Return on Equity (ROE) | 12.1% | |
| Return on Assets (ROA) | 7.3% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $856M |
| Free Cash Flow | $849M |
| Total Debt | $495M |
| Debt-to-Equity | 9.2 |
| Current Ratio | 4.4 |
| Total Assets | $7.4B |
Price & Trading
| Last Close | $58.59 |
| 50-Day MA | $60.76 |
| 200-Day MA | $61.23 |
| Avg Volume | 735K |
| Beta | 0.9 |
|
52-Week Range
$51.61
| |
About Essent Group Ltd. (ESNT)
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance, and title insurance and settlement services to mortgage lenders, borrowers, and investors in the United States. It operates through two segments, Mortgage Insurance and Reinsurance. The company's mortgage insurance products include primary, pool, and master policy. It also provides information technology maintenance and development services; customer support-related services; underwriting consulting services to third-party reinsurers; and contract underwriting services, as well as credit risk management products. In addition, the company offers title insurance and settlement services; and title insurance underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was founded in 2008 and is headquartered in Hamilton, Bermuda.
Related Halal Stocks in Financial Services
Frequently Asked Questions
Is Essent Group Ltd. (ESNT) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Essent Group Ltd. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Essent Group Ltd.'s debt ratio?
Essent Group Ltd.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Essent Group Ltd.'s key financial metrics?
Essent Group Ltd. has a market capitalization of $5.5B, trailing P/E ratio of 8.4, and revenue of $1.3B. The company maintains a gross margin of 80.1% and a net margin of 54.7%. Return on equity stands at 12.1%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.