Last 48 quarters of trend data · Financial Services · Insurance - Specialty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Essent Group Ltd.'s quarterly P/E stands at 8.0x, down 6.0% year-over-year. EV/EBITDA has compressed 6.0% YoY to 7.1x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 8.47 | 8.03 | 10.16 | 9.51 | 7.87 | 8.54 | 8.61 | 9.74 | 7.35 | 8.75 | 8.04 | 7.12 | 7.27 |
| — | -6.0% | +17.9% | -2.3% | +7.0% | -2.4% | +7.1% | +36.8% | +1.2% | +39.0% | +13.3% | +35.6% | +61.4% | |
| P/S Ratio | 4.27 | 4.19 | 5.03 | 5.04 | 4.71 | 4.63 | 4.26 | 5.41 | 4.71 | 5.23 | 4.74 | 4.27 | 4.82 |
| — | -9.4% | +18.1% | -6.8% | -0.0% | -11.4% | -10.2% | +26.6% | -2.3% | +24.3% | +4.4% | +19.5% | +12.8% | |
| P/B Ratio | 1.02 | 0.97 | 1.09 | 1.12 | 1.08 | 1.06 | 1.03 | 1.21 | 1.12 | 1.22 | 1.10 | 1.05 | 1.06 |
| — | -8.5% | +5.9% | -7.7% | -3.0% | -12.8% | -6.6% | +15.4% | +5.3% | +31.2% | +18.0% | +20.8% | +8.4% | |
| P/FCF | 6.35 | 7.23 | 6.89 | 7.63 | 8.13 | 6.78 | 6.69 | 7.49 | 7.99 | 7.48 | 6.60 | 6.52 | 7.49 |
| — | +6.6% | +3.1% | +1.9% | +1.7% | -9.4% | +1.3% | +14.8% | +6.7% | +28.0% | +8.1% | +19.7% | -55.3% | |
| EV / EBITDA | 6.96 | 7.09 | 8.96 | 8.52 | 7.03 | 7.54 | 7.81 | 8.65 | 6.47 | 7.68 | 7.24 | 6.38 | 6.39 |
| — | -6.0% | +14.6% | -1.5% | +8.8% | -1.8% | +8.0% | +35.7% | +1.2% | +33.2% | +11.4% | +32.2% | +56.4% | |
| EV / EBIT | 7.01 | 6.86 | 8.64 | 8.24 | 6.83 | 7.30 | 7.56 | 8.26 | 6.30 | 7.46 | 7.01 | 6.20 | 6.19 |
| — | -6.1% | +14.3% | -0.3% | +8.5% | -2.1% | +7.8% | +33.3% | +1.8% | +33.3% | +11.2% | +30.7% | +52.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Essent Group Ltd.'s operating margin was 62.7% in Q1 2026, up 3.6 pp QoQ and down 1.2 pp YoY. The trailing four-quarter average of 63.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 5.5% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 88.2% | 85.4% | 82.1% | 85.9% | 94.8% | 90.3% | 87.9% | 90.3% | 100.1% | 96.7% | 93.4% | 96.3% | 99.5% |
| — | -5.5% | -6.7% | -4.9% | -5.3% | -6.6% | -5.9% | -6.3% | +0.6% | -3.3% | -4.9% | -2.1% | -24.1% | |
| Operating Margin | 65.2% | 62.7% | 59.1% | 62.5% | 70.9% | 63.9% | 57.5% | 65.6% | 75.1% | 70.3% | 68.3% | 70.7% | 80.5% |
| — | -1.8% | +2.8% | -4.7% | -5.6% | -9.2% | -15.8% | -7.3% | -6.7% | -10.5% | -9.2% | -12.2% | -28.7% | |
| Net Margin | 54.7% | 52.1% | 49.6% | 51.5% | 59.9% | 54.1% | 49.5% | 55.6% | 63.9% | 59.8% | 59.0% | 60.1% | 66.2% |
| — | -3.7% | +0.2% | -7.4% | -6.2% | -9.5% | -16.1% | -7.4% | -3.5% | -10.3% | -7.9% | -11.6% | -30.2% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.1% | 3.0% | 2.7% | 2.9% | 3.4% | 3.1% | 3.0% | 3.2% | 3.8% | 3.5% | 3.5% | 3.7% | 3.7% |
| — | -3.7% | -9.7% | -10.0% | -10.2% | -11.5% | -15.6% | -14.3% | +4.6% | -6.2% | +5.1% | -10.3% | -32.8% | |
| ROA | 9.5% | 2.3% | 2.1% | 2.3% | 2.7% | 2.5% | 2.4% | 2.5% | 3.1% | 2.8% | 2.8% | 2.9% | 2.9% |
| — | -6.6% | -11.2% | -11.6% | -11.8% | -12.4% | -15.8% | -13.5% | +6.2% | -4.6% | +7.2% | -8.3% | -30.7% | |
| ROIC | 10.2% | 2.5% | 2.3% | 2.4% | 2.9% | 2.6% | 2.4% | 2.7% | 3.2% | 3.0% | 2.9% | 3.1% | 3.1% |
| — | -2.4% | -7.5% | -8.7% | -10.9% | -11.6% | -15.8% | -12.9% | +4.0% | -4.2% | +5.3% | -10.1% | -32.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Essent Group Ltd.'s Debt/EBITDA ratio is 2.4x, down from 2.7x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 93.0% YoY to 0.53x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 |
| — | -0.4% | -2.4% | -1.5% | +11.0% | +8.1% | +6.6% | -0.2% | -11.8% | -10.8% | -12.3% | -10.5% | -9.5% | |
| Debt / EBITDA | 0.60 | 2.38 | 2.67 | 2.47 | 2.13 | 2.37 | 2.52 | 2.36 | 1.76 | 1.96 | 2.07 | 2.00 | 2.01 |
| — | +0.5% | +6.0% | +4.6% | +21.2% | +20.9% | +21.8% | +18.3% | -12.5% | -5.9% | -14.7% | +0.5% | +32.0% | |
| Current Ratio | 5.75 | 0.53 | 5.75 | 7.26 | 7.44 | 7.58 | — | — | — | — | 0.41 | — | — |
| — | -93.0% | — | — | — | — | — | — | — | — | -56.1% | — | — | |
| Quick Ratio | 5.75 | 0.53 | 5.75 | 7.26 | 7.44 | 7.58 | — | — | — | — | 0.41 | — | — |
| — | -93.0% | — | — | — | — | — | — | — | — | -56.1% | — | — | |
| Interest Coverage | 26.14 | 26.37 | 23.64 | 25.14 | 29.37 | 26.40 | 24.92 | 19.12 | 31.48 | 28.19 | 26.52 | 27.67 | 29.31 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ESNT stock.
Essent Group Ltd.'s current P/E is 8.5x. The average P/E over the last 4 quarters is 8.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Essent Group Ltd.'s current operating margin is 65.2%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Essent Group Ltd.'s business trajectory between earnings reports.