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ESNTEssent Group Ltd.
$65.45$6.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
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P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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ESNT logo

Essent Group Ltd.

ESNT
NYSE · Specialty Insurance
$65.45
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$6.03B
P/E9.5x
52W High$70.37
Volume645.69K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Underwriting Discipline Offsets Flat Revenue Growth

Essent Group's exceptional underwriting discipline, evidenced by a 36.5% combined ratio in Q2 2026, continues to drive robust profitability despite flat revenue growth. The company's fortress balance sheet, with a debt-to-equity ratio of 0.09 and equity of $5....

GrowthStable
ProfitabilityStrong
ValuationReview
TechnicalsMixed
Explore valuation models
MARKET ACTION

ESNT price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-10% Peers

P/E is 10% below peer median

03

Market leadership

RS 65 · Avg

Average momentum (RS Rating: 65)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystConfirmed earnings · Nov 6

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ESNT+2.83%
S&P 500 (^GSPC)+12.39%
1-Year Return
ESNT+3.95%
S&P 500 (^GSPC)+15.77%
3-Year Return
ESNT+41.94%
S&P 500 (^GSPC)+76.03%
5-Year Return
ESNT+58.39%
S&P 500 (^GSPC)+70.48%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
9.5x
Forward P/EExpansion
8.8x
EV/EBITDA80th %ile
7.7x
FCF YieldCash Flow
14.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.5x
7.9x
100th· High
EV/EBITDA
7.7x
7.2x
80th· High
Price/FCF
7.1x
7.2x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$76.13+16.3%
Base (Fair)$142.51+112.1%
Bull$229.40+250.5%
$76.13 Bear$142.51 Base$229.40 Bull
Current Market Price: $65.45
Trades at a 54.1% discount to Base DCF ($142.51)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.26B-0.5% YoY
Net income
$690M-5.4% YoY
Free cash flow
$849M-0.7% YoY
Operating margin
65.2%-2.3 pts YoY
ROIC (TTM)10.2%
Avg ROIC 5Y-
ROE (TTM)12.1%
Piotroski Score5 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (67%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 7, 2026
$2.08+18.2%
vs $1.76
$363M+12.8%
vs $322M
Q2 2026
May 8, 2026
$1.82+4.0%
vs $1.75
$336M+12.9%
vs $298M
Q1 2026
Feb 13, 2026
$1.60-8.0%
vs $1.74
$312M-0.1%
vs $313M
Q4 2025
Nov 7, 2025
$1.67-5.6%
vs $1.77
$319M+1.0%
vs $316M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Zacks Investment Research·2d ago
5 Stocks to Buy From the Prosperous P&C Insurance Industry

Zacks Property and Casualty Insurance players like BRK.B, TRV, THG, FAF and ESNT are likely to benefit from digitalization, interest rate rise and higher policy renewal rate.

Zacks Investment Research·2d ago
Essent Group (ESNT) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Essent Group (ESNT) have what it takes?

Zacks Investment Research·Sep 10, 2026
ESNT or CINF: Which Is the Better Value Stock Right Now?

Investors with an interest in Insurance - Property and Casualty stocks have likely encountered both Essent Group (ESNT) and Cincinnati Financial (CINF). But which of these two companies is the best option for those looking for undervalued stocks?

Zacks Investment Research·Sep 4, 2026
Essent Group (ESNT) Could Be a Great Choice

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Essent Group (ESNT) have what it takes?

Filtered for Essent Group Ltd.More Headlines
04

Compare before deciding

Benchmark ESNT against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Essent Group Ltd. (ESNT)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ESNT logoESNTEssent Group Ltd.Current
$65.45$6.03B9.49-0.49%54.72%12.15%1.86%
MTG logoMTGMGIC Investment Corporation
$29.30$6.01B9.330.49%59.2%13.9%—
RDN logoRDNRadian Group Inc.
$34.54$4.59B8.34-3.36%32.45%11.26%—
NMIH logoNMIHNMI Holdings, Inc.
$42.19$3.21B8.588.39%54.12%0.03%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.61$3.41B7.05339.48%13.68%9.14%—
ACT logoACTEnact Holdings Inc.
$47.75$6.67B10.562.37%54.56%12.76%—

Compare ESNT vs Peers

Essent Group Ltd. (ESNT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MTG

Most directly comparable listed peer for ESNT.

Scale Benchmark

vs RKT

Larger-name benchmark to compare ESNT against a more recognizable public peer.

Peer Set

Compare Top 5

vs MTG, RDN, NMIH, PFSI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ESNT SEC Filings & Documents

Essent Group Ltd. (ESNT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 7, 2026·SEC

Material company update

May 8, 2026·SEC

Material company update

Feb 13, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 18, 2026·SEC

FY 2025

Feb 19, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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ESNT Frequently Asked Questions

Essent Group Ltd. (ESNT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Essent Group Ltd. growing?

Essent Group Ltd. (ESNT) saw revenue decline by 0.5% over the past year.

Is ESNT profitable?

Yes, Essent Group Ltd. (ESNT) is profitable, generating $680.7M in net income for fiscal year 2025 (54.7% net margin).

Dividend & Returns
Does ESNT pay dividends?

Yes, Essent Group Ltd. (ESNT) pays a dividend with a yield of 1.86%. This makes it attractive for income-focused investors.

What is ESNT's return on equity?

Essent Group Ltd. (ESNT) has a return on equity (ROE) of 12.1%. This is reasonable for most industries.

Industry Metrics
What is Essent Group Ltd.'s combined ratio?

Essent Group Ltd. (ESNT) has a combined ratio of 34.8%. A ratio below 100% indicates underwriting profitability.

What if you invested $1,000 in ESNT back in 2011?

Total return calculator · dividends reinvested · 15+ years of data

See returns →