Essent Group Ltd (ESNT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Essent Group Ltd stock $71.00, price $63.41, upside +12.0%, quality 71 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $31.87 – $69.63 · fair‑value band $59.25 – $103.56 · the $63.41 price screens below the $71.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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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.
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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.
Stock analysis
Essent Group Ltd (ESNT) currently trades at $63.41, while our model-based Fair Value estimate is $71.00, implying the stock looks roughly 11% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $88.14 per share, and 3 of the 6 models we run sit above the $63.41 price.
Bear case: the Dividend Discount group reads lowest at $23.94, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $59.25 (bear) to $103.56 (bull), the price of $63.41 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 71/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Essent Group Ltd reported revenue of $1.3B in FY2025 versus $1.0B in FY2021, a compound +5.2%/yr. Reported net income was $690M in FY2025, compounding +0.3%/yr from FY2021.
Key figures
Market cap $5.8B Mid · P/E ratio 8.7 · P/S ratio 4.18 · EPS (TTM) $7.32 · Dividend yield 2.1% · Net margin 49.1% · Return on equity 12.0% · Return on assets (EBIT) 13.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 14% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 5% fair-value upside, at 12%, ESNT screens cheaper than that median.
Fair Value models
Bear$59.25Fair Value $71.00Bull$103.56
Price $63.41 · Upside +12.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($5.11 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 6 officers or directors sold shares worth $14.5M and none bought.
SaleDavid B WeinstockSVP and CFO2× since Jun 26, 2026: 11,000 shares, avg. $66.03$726,275Sep 15, 202610b5-1 plan
SaleRoy James KasmarDirector2× since Nov 14, 2025: 8,087 shares, avg. $65.79$532,052Sep 14, 2026
SaleMark CasaleChairman, CEO and President, Director6× since Apr 28, 2026: 192,651 shares, avg. $66.29$12.8MSep 3, 202610b5-1 plan
SaleDouglas J PaulsDirector2,500 shares at $69.70$174,250Aug 24, 2026
SaleVijay BhasinSVP and Chief Risk Officer2× since Aug 7, 2026: 14,658 shares, avg. $70.00$1.0MAug 18, 202610b5-1 plan
SaleMary Lourdes GibbonsSVP and Chief Legal Officer4× since Dec 18, 2025: 21,780 shares, avg. $65.06$1.4MJul 17, 202610b5-1 plan
SaleAditya DuttDirector3,250 shares at $61.49$199,843Nov 11, 2025
Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
Start year 2020 (pandemic). Over 10 years: +13.6% a year
Revenue growth 15 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+42.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+6.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.0%
Dividend (yield on the price)2.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.0% vs 14.9%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.51% → 65%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+4.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +2.5% a year for the forecasts.
News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Strongest balance sheet with high PMIERs sufficiency and reinsurance supports steady capital returns amid growing insurance in force, yet thin public data leaves any durable moat unconfirmed.
Main risk: A housing-driven drop in new originations or weaker credit quality in the existing mortgage insurance book would cut premiums earned and reduce earnings power.
Essent keeps a strongest balance sheet with PMIERs sufficiency well above requirements and uses reinsurance to limit volatility. This setup has enabled steady share repurchases and dividends while insurance in force grows through high persistency even as new originations slow. Our models see it as undervalued. Will capital returns keep growing faster than any housing-driven drop in new business, or will credit quality in the existing book become the decisive factor?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Specialty · 23 stocks
Beats the industry median on 11/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score71 · Above median
Fair Value upside+12.0% · Above median
Profitability
Return on equity (12 months)12.0% · Bottom 25%
Return on assets9.3% · Above median
Net margin (12 months)49.1% · Top 25%
Operating margin (12 months)55.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)20.0% · Top 25%
Dividend yield (12 months)2.1% · Below median
Balance sheet
Debt / equity0.09× · Below median
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Essent Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/ESNT
Frequently asked questions
Is Essent Group Ltd (ESNT) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $71.00 versus a price of $63.41, about +12% upside (undervalued).
What is the fair value of ESNT?
Our model-based fair value for Essent Group Ltd is $71.00 (as of Nov 8, 2026), built from audited fundamentals. The current price: $63.41.
What is the quality score of ESNT?
Essent Group Ltd has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Essent Group Ltd (ESNT)?
Our model-based price target is the fair value of $71.00 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $59.25, optimistic scenario $103.56. It is a calculation from audited fundamentals, not an analyst target.
What is the Essent Group Ltd stock forecast for 2026?
Our models put fair value at $71.00, about +12% upside versus a price of $63.41 (undervalued). Cautious scenario $59.25, optimistic scenario $103.56. The calculation is refreshed regularly with new filings.
What is the revenue of Essent Group Ltd (ESNT)?
Essent Group Ltd reported trailing-twelve-month revenue of about $1.4B (latest available figure, as of Nov 8, 2026).
Does Essent Group Ltd pay a dividend?
Essent Group Ltd currently shows a dividend yield of 2.14% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Essent Group Ltd (ESNT) and when is the ex-dividend date?
Essent Group Ltd pays a dividend of $1.36 per share a year, a dividend yield of 2.1%. The next ex-dividend date is Dec 1, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 18.6% of earnings. Free cash flow covers the dividend 6.94 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Essent Group Ltd (ESNT)?
For today's price to be fair in a discounted-cash-flow model, Essent Group Ltd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.7 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of ESNT use?
Our models discount Essent Group Ltd at 9.0 %: a base by market capitalisation (mid), damped by beta 0.70, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Essent Group Ltd that is less than minus 40 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Essent Group Ltd (ESNT) delivered so far?
Over the past 5 years revenue at Essent Group Ltd grew +5.7 % a year. The price currently implies free-cash-flow growth of less than minus 40 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Essent Group Ltd (ESNT) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Essent Group Ltd (less than minus 40 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Essent Group Ltd (ESNT)?
The free-cash-flow yield on the price is 14.65 %: that much free cash flow Essent Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Essent Group Ltd (ESNT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Essent Group Ltd it is $71.00 per share (as of Nov 8, 2026), against a price of $63.41. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Essent Group Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ESNT trades below its calculated fair value: price $63.41, fair value $71.00, a gap of about +12% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ESNT?
No. The price is what the market pays today ($63.41); the fair value is what the company's own numbers justify ($71.00). For Essent Group Ltd the two are $7.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Essent Group Ltd worth?
The market values Essent Group Ltd at about $5.8B (market capitalisation, as of Nov 8, 2026). Per share that is $63.41; our models calculate a fair value of $71.00 per share.
What do the bullish and bearish scenarios say about ESNT?
Our models span a range for Essent Group Ltd: cautious scenario $59.25, base $71.00, optimistic $103.56 per share (as of Nov 8, 2026, price $63.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ESNT?
Essent Group Ltd trades at a price-to-earnings ratio of 8.7 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $71.00 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2017, FY2025 ex one-offs: 8.7. Other multiples: PEG 0.8, P/B 1.0, P/S 4.2, EV/EBITDA 7.2.
What is the PEG ratio of ESNT?
The PEG ratio of Essent Group Ltd is 0.84 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Essent Group Ltd (ESNT)?
Balance-sheet figures for Essent Group Ltd (as of Nov 8, 2026): return on equity 12.0%, debt of 0.09 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is ESNT from its 52-week high?
Essent Group Ltd trades at $63.41, about 9% below its 52-week high of $69.63 and 14% above the low of $55.56 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $71.00 is for.
Which stocks are comparable to Essent Group Ltd?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, Medibank Private Limited, AXIS Capital Holdings, First American Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Essent Group Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price $63.41, calculated fair value $71.00 (+12%), Quality Score 71/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ESNT calculated?
We run Essent Group Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $71.00 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Essent Group Ltd currently trades 11% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Essent Group Ltd (ESNT)?
The closing price on Nov 6, 2026 was $63.41. Our model-based fair value is $71.00, about +12% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Essent Group Ltd right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Essent Group Ltd (ESNT) come from?
Earnings per share at Essent Group Ltd grew +16.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.9 %, EBIT margin +0.7 %, tax rate +2.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Essent Group Ltd
How large is the market capitalisation of Essent Group Ltd (ESNT)?
The market capitalisation of Essent Group Ltd is $5.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Essent Group Ltd (ESNT)?
The price-to-sales ratio of Essent Group Ltd is 4.18 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Essent Group Ltd (ESNT)?
Earnings per share at Essent Group Ltd are $7.32 (price ÷ EPS = P/E 8.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Essent Group Ltd (ESNT)?
The dividend yield of Essent Group Ltd is 2.1% (payout 18.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Essent Group Ltd (ESNT)?
The net margin of Essent Group Ltd is 49.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Essent Group Ltd (ESNT)?
The return on equity (ROE) of Essent Group Ltd is 12.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Essent Group Ltd (ESNT)?
On an EBIT basis the return on assets of Essent Group Ltd is 13.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Essent Group Ltd (ESNT)?
The operating margin of Essent Group Ltd is 55.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Essent Group Ltd (ESNT)?
Revenue at Essent Group Ltd is growing +20.0% versus a year earlier (3y avg +7.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Essent Group Ltd (ESNT)?
Earnings per share at Essent Group Ltd are growing +9.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Essent Group Ltd (ESNT) carry?
The net debt of Essent Group Ltd is $372M (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 8, 2026