Essent Group Ltd.
ESNT Mid CapFinancial Services · Insurance - Specialty
Updated: Jun 14, 2026, 22:19 UTC
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Valuation Analysis
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. 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 re
Essent Group Ltd. Stock at a Glance
Essent Group Ltd. (ESNT) is currently trading at $58.38 with a market capitalization of $5.4B. The trailing P/E ratio stands at 8.3x, with a forward P/E of 7.56x. The 52-week range spans from $55.22 to $67.09; the current price is 13% below the yearly high. Year-over-year revenue growth stands at +5.8%. The net profit margin stands at 53.64%.
💰 Dividend
Essent Group Ltd. pays an annual dividend of $1.40 per share, representing a yield of 2.4%. The payout ratio stands at 18.21%.
📊 Analyst Rating
8 analysts rate Essent Group Ltd. (ESNT) on consensus: Buy. The average price target is $67.75, implying +16.05% from the current price. Analyst price targets range from $62.00 to $73.00.
Essent Group Ltd.: The Investment Case in Detail
Essent Group Ltd. (ESNT) operates in the Financial Services — specifically Insurance - Specialty — and is headquartered in Bermuda. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
The Bull Case
With a gross margin near 79.1%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Free cash flow is positive and net margins stand at 53.64%, meaning reported earnings translate into real cash that can fund buybacks, dividends or strategic acquisitions. Wall Street consensus sits at Buy with an average price target implying roughly 16.05% upside from current levels — analyst sentiment is firmly constructive.
Valuation in Context
The EV/EBITDA multiple of 5.92x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.
Investment Thesis: Strengths & Weaknesses
- Profitable with 53.64% net margin
- High gross margin of 79.1% — indicates pricing power
- Analyst consensus: Buy
- Currently flagged as undervalued
- Solid dividend yield of 2.4%
- Solid balance sheet with low debt (D/E 8.7)
- Positive free cash flow
No significant red flags in current metrics.
Technical Snapshot
Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).
Risk Profile
The data points to relatively defensive market behavior.
Trading Data
💵 Dividend Info
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