Essent Group Ltd.
ESNT | NYSE
$66.57
+$0.10 (+0.15%)
Sep 22, 2026, 11:07 AM ET · Market open
Market Data
Market Cap $6.13B
Enterprise Value $6.05B
Beta 0.76
Average Volume 736.67K
Shares Outstanding (Diluted) 91.39M
Shares Change YoY -9.57%
Institutional Ownership 93.42%
Exchange NYSE
ISIN BMG3198U1027
Price Performance
Price Change 1M -2.7%
Price Change 3M 11.2%
Price Change 6M 14.7%
Price Change YTD 2.8%
Price Change 1Y 2.7%
Price Change 3Y 37.4%
Price Change 5Y 49.6%
1M CAGR (ann.) -2.8%
1Y CAGR (ann.) 3.8%
5Y CAGR (ann.) 10.0%
All-Time CAGR 10.5%
Valuation
PE Ratio 9.27
Forward PE 7.96
PEG Ratio 2.12
Forward PEG 2.85
PS Ratio 4.63
Forward PS 4.40
PB Ratio 1.08
P/FCF Ratio 7.42
P/Adj. FCF Ratio 7.40
P/OCF Ratio 7.23
EV/Sales 4.57
EV/EBIT 9.84
EV/EBITDA 9.78
EV/FCF 7.33
Earnings Yield 10.8%
FCF Yield 13.5%
Adj. FCF Yield 13.5%
Financial Health
Net Cash $74.33M
Total Debt $0
Cash & Short-Term Investments $74.33M
Total Assets $7.59B
Current Ratio 0.49
Quick Ratio 0.49
Debt / Equity Ratio 0.09
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 25.10
Altman Z-Score 3.33
Piotroski F-Score 5
Margins & Profitability
Gross Profit Margin 85.0%
Operating Profit Margin 44.6%
EBITDA Margin 64.8%
Net Profit Margin 51.4%
FCF Margin 62.4%
Adj. FCF Margin 62.6%
SBC / Revenue -0.2%
SBC Impact (per share) -0.3%
Returns
Return on Assets 9.0%
Return on Equity 11.9%
Return on Invested Capital -535.9%
Return on Capital Employed 11.6%
Return on Tangible Assets 9.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 9.5%
Revenue CAGR 5Y 6.2%
Revenue CAGR 10Y 12.7%
EPS CAGR 3Y 4.8%
EPS CAGR 5Y 8.2%
EPS CAGR 10Y 13.6%
FCF CAGR 3Y 6.0%
FCF CAGR 5Y 2.8%
FCF CAGR 10Y 12.6%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 19
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 5, 2026
EPS Estimate (next Q) $1.86
EPS Growth Est (next Q) 11.4%
Revenue Est (next Q) $335.26M
Revenue Growth Est (next Q) 5.2%
Fair Value Estimates
Graham Number $100.34
Graham Upside 51.0%
Lynch Fair Value $58.65
Lynch Upside -11.8%
Price Target $70
Price Target Upside 5.3%
Cash Flow
Operating Cash Flow $834.08M
Free Cash Flow $825.89M
Adj. Free Cash Flow $828.15M
FCF Per Share $9.10
OCF Per Share $9.19
OCF/S Ratio 63.0%
Income Statement
Revenue $1.32B
Gross Profit $811.54M
Operating Income $590.41M
EBITDA $618.71M
Net Income $680.71M
EPS (Diluted) $7.17
Revenue / Employee $2.55M
Profit / Employee $1.31M
Employees 518
Dividends
Annual Dividend $1.36
Dividend Yield 2.05%
Payout Ratio 19.0%
FCF Payout Ratio 15.0%
Adj. FCF Payout Ratio 14.9%
Dividend Growth (YoY) 12.4%
Pay Frequency Quarterly
Ex-Dividend Date Aug 30, 2026
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