Company Overview - Essent Group (ESNT) is a mortgage insurance and reinsurance holding company based in Hamilton, operating in the Finance sector [3] - The company's shares have experienced a price change of 7% so far this year [3] Dividend Information - Essent Group currently pays a dividend of $0.31 per share, resulting in a dividend yield of 2.13%, which is significantly higher than the Insurance - Property and Casualty industry's yield of 0.55% and the S&P 500's yield of 1.56% [3] - The annualized dividend of $1.24 represents a 10.7% increase from the previous year [4] - Over the last 5 years, Essent Group has increased its dividend 4 times on a year-over-year basis, achieving an average annual increase of 16.16% [4] - The current payout ratio is 18%, indicating that the company paid out 18% of its trailing 12-month earnings per share as dividends [4] Earnings Growth Expectations - For the fiscal year, Essent Group anticipates solid earnings growth, with the Zacks Consensus Estimate for 2025 projected at $6.87 per share, reflecting a 0.29% increase from the previous year [5] Investment Appeal - Essent Group is viewed as an attractive dividend play and a compelling investment opportunity, currently holding a Zacks Rank of 2 (Buy) [7]

Core Viewpoint - American Coastal Insurance (ACIC) reported quarterly earnings of $0.42 per share, exceeding the Zacks Consensus Estimate of $0.40 per share, but down from $0.50 per share a year ago, indicating a 5% earnings surprise [1][2] Financial Performance - The company posted revenues of $72.2 million for the quarter ended March 2025, missing the Zacks Consensus Estimate by 9.79%, and down from $73.25 million year-over-year [2] - Over the last four quarters, ACIC has surpassed consensus EPS estimates three times, but has topped consensus revenue estimates only once [2] Stock Performance - American Coastal shares have declined approximately 13.6% since the beginning of the year, compared to a decline of 4.3% for the S&P 500 [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.40 on revenues of $81.96 million, and for the current fiscal year, it is $1.50 on revenues of $333.83 million [7] - The trend of estimate revisions for American Coastal is mixed, which could change following the recent earnings report [6] Industry Context - The Insurance - Property and Casualty industry is currently ranked in the top 19% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Core Viewpoint - The market anticipates a year-over-year decline in earnings for Essent Group despite higher revenues, with the actual results being crucial for stock price movement [1][2]. Company Summary - Essent Group is expected to report quarterly earnings of $1.66 per share, reflecting a -2.4% change year-over-year, while revenues are projected to be $311.24 million, an increase of 4.3% from the previous year [3]. - The consensus EPS estimate has been revised down by 0.29% over the last 30 days, indicating a bearish sentiment among analysts regarding the company's earnings prospects [4][10]. - The Most Accurate Estimate for Essent Group is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -3.81%, combined with a Zacks Rank of 4, making it challenging to predict an earnings beat [11][10]. Earnings Surprise History - In the last reported quarter, Essent Group was expected to post earnings of $1.67 per share but delivered only $1.58, resulting in a surprise of -5.39% [12]. - Over the past four quarters, the company has beaten consensus EPS estimates twice [13]. Industry Comparison - In the Zacks Insurance - Property and Casualty industry, Palomar is expected to report earnings of $1.59 per share, indicating a year-over-year increase of +45.9%, with revenues projected at $171.76 million, up 48.7% from the previous year [17]. - Palomar's consensus EPS estimate has been revised up by 1.3% in the last 30 days, leading to a positive Earnings ESP of 6.29%, suggesting a likely earnings beat [18].