Essent Group Ltd (ESNT) Fair Value & Analysis
Financial Services · US · Market cap $6.1B · ISIN BMG3198U1027
What is Essent Group Ltd really worth?
Essent Group Ltd
ESNT · US
A solid business, trading 24% below our fair value of $91.14.
Strengths
Risks
For context
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 6 days ago
Share price +4.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The rarer combination: high quality (71/100) AND below fair value. That earns a closer look rather than a quick verdict.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 29, 2026.
How to read this chart
60‑month range $32.04 – $69.63 · fair‑value band $68.35 – $113.92 · the $69.63 price screens below the $91.14 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 29, 2026.
Analysis
Essent Group Ltd (ESNT) currently trades at $69.63, while our model-based Fair Value estimate is $91.14, implying the stock looks roughly 23.6% undervalued today. The Quality Score stands at 71/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $87.46 per share, and 2 of the 6 models we run sit above the $69.63 price. Bear case: the Dividend Discount group reads lowest at $20.03, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Essent Group Ltd 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 Aug 29, 2026
Our scenario range runs from $68.35 (bear case) to $113.92 (bull case); at $69.63, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 29% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 26% fair-value upside, at 31%, ESNT screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly $3.91 per share, which is 4.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples ($87.46) versus Dividend Discount ($20.03). Highest evidence: Residual Income (71).
Notify me when ESNT reaches fair value
Put ESNT on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 70
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +14.9 % · buybacks/dilution −1.7 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
Watch ESNT: get an alert when its fair value changes →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Essent Group Ltd's Dividend Analysis
- ESNT vs. CINF: Which Stock Is the Better Value Option?
- Essent Group (ESNT) Upgraded to Buy: What Does It Mean for the Stock?
Peer Group
Insurance - Specialty · 29 stocks
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.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 46/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Aug 29, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $46.45 | $29.08 | −37% |
| AXIS Capital Holdings AXS | $99.80 | $139.49 | +40% |
| First American Financial Corporation FAF | $73.59 | $64.26 | −13% |
| Enact Holdings ACT | $49.07 | $58.14 | +18% |
| MGIC Investment Corporation MTG | $31.29 | $39.71 | +27% |
| Radian Group RDN | $35.80 | $53.56 | +50% |
| Protector Forsikring ASA PROT | kr 480.40 | kr 273.28 | −43% |
| Assured Guaranty Ltd AGO | $74.46 | $148.92 | +100% |
| NMI Holdings NMIH | $44.80 | $56.53 | +26% |
| nib holdings limited, NHF | A$7.40 | A$3.56 | −52% |
Compare Essent Group Ltd with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Essent Group Ltd (ESNT) overvalued or undervalued?
What is the fair value of ESNT?
What is the quality score of ESNT?
What is the revenue of Essent Group Ltd (ESNT)?
What is the net profit margin of ESNT?
Does Essent Group Ltd pay a dividend?
Watch Essent Group Ltd in the live analysis
One click puts Essent Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.