Essent Group (ESNT) Fair Value & Analysis
Financial Services · US · Market cap $6.1B
Essent Group
ESNT · US
Fair value as of: Jul 19, 2026
From 25 valuation models · updated 5 days ago
Share price +7.8% over the past month.
Price vs Fair Value (12 months)
12‑month range $54.77 – $66.71 · fair‑value band $73.00 – $121.67 · the $64.42 price screens below the $97.33 fair value. As of Jul 19, 2026.
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Essent Group (ESNT) currently trades at $64.42, while our model-based Fair Value estimate is $97.33, implying the stock looks roughly 51.1% undervalued today. We read business quality at 70/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Essent Group generated revenue of $1.3B at a net margin of 53.6%. Revenue grew 5.8% year over year. It earns a return on equity of 12.1%. Net debt stands at $372M. Fundamentals as of Jul 19, 2026
Our scenario range runs from $73.00 (bear case) to $121.67 (bull case); at $64.42, the current price sits below that range. The share trades about 3% below its 52-week high and 19% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 24% fair-value upside, at 51%, ESNT screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 19, 2026. TTM = trailing twelve months.
About the company
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Essent Group 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.
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Recent news
- 3 Russell 2000 Stocks with Open Questions
- Essent Group Ltd. Schedules Second Quarter Earnings Conference Call for August 7, 2026
- Are You Looking for a High-Growth Dividend Stock?
- Is Essent Group (ESNT) Fairly Valued Following Its Push Beyond Mortgage Insurance?
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.