Essent Group (ESNT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Essent Group

NYSE•Financial Services•Insurance - Specialty

$67.82-0.39(-0.01%)Pre-market

Market Cap

$6.10B

P/E

9.0x

P/S

4.6x

P/B

1.1x

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.

How this company scores

GoodMetricSide Score: 63/100

Strongest: Cash & Earnings Quality (18/25); weakest: Growth (13/25).

Profitability17/25

Growth13/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality18/25

Strengths

Strong marginsInterest easily coveredCash-backed earningsConsistent free cash flow

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.0x5y range 4.4x – 9.2x

Currently near its 20-quarter median.

P/S · 4.6x5y range 3.7x – 5.5x

Currently near its 20-quarter median.

P/B · 1.1x5y range 0.9x – 1.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 6.5% — watch for continued compression, which may signal competitive or cost pressure.

Price & Volume

Market Cap $6.10B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.32B
Q. Revenue: $362.69M
TTM EBITDA: $820.73M
TTM Op. Income: $820.73M
Q. Op. Income: $230.32M
TTM Net Income: $680.71M
Q. Net Income: $189.71M
EPS: $2.09
Shares Out.: $90.74M

$1.32B in TTM revenue grew 4.3% YoY, reaching $362.69M last quarter. TTM EBITDA of $820.73M and TTM operating income of $820.73M show growth is flowing through to the bottom line. TTM net income of $680.71M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 63.5%
Op. Margin: 63.5%
Net Margin: 52.3%

Op. margin of 63.5% is down 8.9% YoY — costs are rising relative to revenue. Net margin at 52.3% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.0x
P/S Ratio: 4.6x
P/B Ratio: 1.1x

At 9.0x P/E, the stock trades below typical market levels. P/S of 4.6x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 5% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $7.59B
Cash: N/A
Long-Term Debt: N/A
Book Value: $5.66B
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $197.09M
TTM Free Cash Flow: $825.89M
FCF Margin: 62.4%
FCF / Net Income: 1.2

TTM FCF of $825.89M on $197.09M in operating cash flow. The FCF / Net Income ratio of 1.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 5% — an improving trend.