Essent Group (ESNT) Fair Value & Analysis
Financial Services · US · Market cap $6.1B
Essent Group
ESNT · US
Fair value as of: Aug 13, 2026
From 6 valuation models · updated today
Fair value updated Aug 13, 2026, revised from $97.33 to $91.14 (−6.4%) since Jul 19, 2026. Share price +6.6% over the past month.
A solid business, screening 32% undervalued on our models.
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 13, 2026.
How to read this chart
60‑month range $32.04 – $69.28 · fair‑value band $68.35 – $113.92 · the $69.28 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 13, 2026.
Analysis
Essent Group (ESNT) currently trades at $69.28, while our model-based Fair Value estimate is $91.14, implying the stock looks roughly 31.6% undervalued today. The Quality Score stands at 71/100 (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 Aug 13, 2026
Our scenario range runs from $68.35 (bear case) to $113.92 (bull case); at $69.28, 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 28% 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 32%, ESNT screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.
All 6 models by family
Widest divergence: Multiples ($87.46) versus Dividend Discount ($20.03). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 68 · Market factors (momentum, volatility) 66
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.
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 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 pp · buybacks/dilution −1.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. 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.
- ESNT Q2 Deep Dive: Persistency, Investment Income, and Strategic Diversification Drive Results
- ESNT Q2 Earnings & Revenues Top Estimates on Strong Reinsurance Growth
- What Essent Group (ESNT)'s Q2 2026 Results and Dividend Hike Mean For Shareholders
- Essent Group (ESNT) Stock Gets Fair Value Bump As Analysts Reassess Credit And Growth
Peer Group
Insurance - Specialty · 32 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
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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $47.67 | $29.08 | -39% |
| Medibank Private Limited MPL | A$5.13 | A$1.65 | -68% |
| AXIS Capital Holdings AXS | $100.72 | $139.49 | +38% |
| First American Financial Corporation FAF | $72.30 | $64.26 | -11% |
| Enact Holdings ACT | $49.38 | $58.14 | +18% |
| MGIC Investment Corporation MTG | $30.64 | $39.71 | +30% |
| Radian Group RDN | $36.44 | $53.56 | +47% |
| Protector Forsikring ASA PROT | kr 480.40 | kr 273.28 | -43% |
| Assured Guaranty Ltd AGO | $74.76 | $149.52 | +100% |
| NMI Holdings NMIH | $44.88 | $56.53 | +26% |
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Frequently asked questions
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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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