Stock AnalizEssent Group Ltd. ESNT
Property-Casualty Insurers · IPO 2013 · data as of November 13, 2026
Essent Group Ltd. (ESNT) is a financial company listed in the US with a market value of about $5.7B. In the twelve months to September 30, 2026 it had revenue of $1.4B and net income of $680M, a net margin of 49.1%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 8.8, a price to free cash flow of 6.7, 5-year revenue growth of 6% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 1% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.3B | $1.2B | $1.1B | $1.0B | $1.0B | $955M | $868M | $719M | $577M | $458M |
| Net income | $680M | $690M | $729M | $696M | $831M | $682M | $413M | $556M | $467M | $380M | $223M |
| Free cash flow | $853M | $849M | $855M | $759M | $585M | $707M | $725M | $586M | $621M | $366M | $271M |
| EPS (diluted) | $7.33 | $6.90 | $6.85 | $6.50 | $7.72 | $6.11 | $3.88 | $5.66 | $4.77 | $3.99 | $2.41 |
| Net margin | 49.1% | 54.7% | 58.7% | 62.7% | 83.1% | 66.3% | 43.2% | 64.0% | 65.0% | 65.9% | 48.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 8 analysts is $71.00, 10% above the current price; targets range from $65.00 to $80.00; the consensus rating is “Buy”; expected EPS is $7.53 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Essent Group’s P/E ratio?
About 8.8, based on the last twelve months of diluted earnings per share (forward P/E about 8.4).
Is Essent Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 1% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Essent Group pay a dividend?
Yes. The dividend yield is about 2.16%, and it has paid dividends for 7 years in our data.
Is Essent Group a good stock to buy?
We do not give buy or sell advice. Essent Group scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.