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Essent Group Ltd. ESNT

NYSE · stock · Surety Insurance · website · IPO 2013-10-31 · LEI

Essent Group Ltd. statistics & valuation

Market cap$5.9B
P / E8.5×
P / S4.7×
P / B1.0×
P / FCF7.0×
Dividend yield2.07%
Net margin54.7%
Return on equity12.0%
FCF margin67.3%
Graham number +38.4%$94.53

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($94.53); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
48.60% 65.90% 65.00% 64.10% 43.20% 66.30% 83.10% 62.80% 58.70% 54.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
16.60% 19.60% 19.80% 18.60% 10.70% 16.10% 18.60% 13.60% 13.00% 12.00% 2016201720182019202020212022202320242025
Shares outstanding
93.1M 98.4M 98.1M 98.4M 112.4M 111.6M 107.7M 107.1M 106.5M 100.0M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
11.80% 14.20% 14.80% 14.30% 7.90% 11.90% 14.50% 10.80% 10.30% 9.30% 2016201720182019202020212022202320242025
Free cash flow margin (%)
59.20% 63.40% 86.40% 67.60% 76.00% 68.70% 58.40% 68.40% 68.80% 67.30% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.41 $3.99 $4.77 $5.66 $3.88 $6.11 $7.72 $6.50 $6.85 $6.90 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Essent Group Ltd. trades at about 9.9× earnings — above its 10-year norm (10-year range 5.7×–14.3×, median 8.8×).

5.7× 14.3×

Shaded band = 10-year range (5.7×–14.3×); dot = today's 9.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin54.7%58.7%62.8%83.1%66.3%43.2%64.1%65.0%65.9%48.6%
FCF margin67.3%68.8%68.4%58.4%68.7%76.0%67.6%86.4%63.4%59.2%
Return on assets9.3%10.3%10.8%14.5%11.9%7.9%14.3%14.8%14.2%11.8%
Return on equity12.0%13.0%13.6%18.6%16.1%10.7%18.6%19.8%19.6%16.6%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.