US · ESNT
Essent Group Ltd.
- Sector
- Financial Services · Insurance - Specialty
- Headquarters
- Hamilton HM 11
- Website
- essentgroup.com
Price · as of 2025-12-31
$60.03
Market cap 5.88B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $91.21 | +51.94% |
| Intrinsic Value(DCF) | $52.29 | -12.89% |
| Graham-Dodd Method(GD) | $73.71 | +22.79% |
| Graham Formula(GF) | $54.00 | -10.05% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | $3.94 | $0.00 | |||
| 2013 | $21.17 | $106.78 | $40.92 | $74.71 | $794.36 |
| 2014 | $21.66 | $54.43 | $40,534.75 | $16.65 | $91.42 |
| 2015 | $18.34 | $47.06 | $4,782.45 | $21.09 | $93.44 |
| 2016 | $31.41 | $52.78 | $601.42 | $27.02 | $89.70 |
| 2017 | $42.64 | $58.45 | $266.37 | $41.13 | $133.49 |
| 2018 | $38.02 | $72.90 | $238.84 | $48.28 | $152.83 |
| 2019 | $40.35 | $94.49 | $177.35 | $54.45 | $158.22 |
| 2020 | $42.01 | $73.81 | $47.85 | $46.06 | $68.89 |
| 2021 | $37.95 | $91.40 | $37.52 | $58.28 | $94.45 |
| 2022 | $37.82 | $80.38 | $19.17 | $67.51 | $55.63 |
| 2023 | $52.35 | $81.26 | $3.37 | $65.82 | $122.28 |
| 2024 | $55.74 | $96.86 | $47.73 | $70.97 | $135.71 |
| 2025 | $61.33 | $91.21 | $63.08 | $73.71 | $54.00 |
AI valuation
Our deep-learning model estimates Essent Group Ltd.'s (ESNT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $91.21
- Current price
- $60.03
- AI upside
- +51.94%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$52.29
-12.89% upside
Graham-Dodd
$73.71
+22.79% upside
Graham Formula
$54.00
-10.05% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ESNT | Essent Group Ltd. | $60.03 | 5.88B | +52% | -13% | +23% | -10% | 8.80 | 1.05 | 4.82 | 7.57 | 1205.58 | 1.07 | 88.16% | 65.18% | 54.72% | 12.15% | 21.95% | 9.48% | 0.10 | 25.14 | 0.34 | 0.34 | 0.51 | 73.00% | -49.00% | -71.00% | 13.98% | 1.67 | 27.00% | 2.01% | 17.70% | 2.01% | 7.92 | 7.67 | 5.16 | 3.63 |
| ACGL | Arch Capital Group Ltd. | $100.15 | 36.32B | +61% | +147% | +23% | +165% | 8.48 | 1.54 | 1.92 | 7.10 | 220.60 | 1.62 | 51.76% | 26.56% | 22.65% | 19.54% | 21.90% | 6.38% | 0.11 | 34.86 | 1.21 | 1.21 | 0.32 | 384.00% | 1474.00% | -746.00% | 16.43% | 0.83 | 30.50% | 0.13% | 1.10% | 5.23% | 7.56 | 6.37 | 2.01 | 1.66 |
| ACT | Enact Holdings, Inc. | $41.84 | 6.04B | +43% | -54% | +11% | +13% | 9.34 | 1.18 | 5.12 | 7.11 | 272.08 | 1.18 | 91.10% | 69.80% | 54.80% | 13.03% | 12.63% | 10.03% | 0.14 | 17.19 | 6.86 | 6.86 | 0.18 | 343.00% | 237.00% | 557.00% | 11.51% | 7.91 | 13.58% | 1.92% | 17.90% | 1.92% | 7.52 | 8.91 | 5.25 | 3.89 |
| EQH | Equitable Holdings, Inc. | $40.22 | 11.52B | +117% | -60% | — | — | -8.75 | -163.11 | 1.03 | 120.56 | — | -2.24 | 79.14% | -10.23% | -11.83% | -182.66% | 1.36% | -0.45% | -61.78 | -5.33 | 25.50 | 111.88 | 133.02 | -22778.00% | -621.00% | 7199.00% | 21.16% | 1.83 | -3.36% | 0.00% | 0.00% | 1066.37% | 97.92 | -45.74 | -10.01 | 0.21 |
| FAF | First American Financial … | $70.11 | 7.14B | +32% | +81% | -52% | +147% | 11.68 | 1.32 | 0.98 | 6.49 | 3.10 | 2.03 | 95.61% | 11.10% | 8.35% | 11.95% | 10.83% | 3.99% | 0.35 | 5.26 | — | — | 0.43 | 37619.00% | 2164.00% | 1226.00% | 10.50% | — | 13.21% | 3.07% | 35.90% | 6.11% | 9.42 | 10.20 | 1.04 | 1.48 |
| MTG | MGIC Investment Corporati… | $26.53 | 5.75B | +79% | +34% | +48% | +5% | 8.29 | 1.19 | 5.04 | 6.69 | 95.85 | 1.19 | 94.90% | 76.51% | 60.84% | 14.31% | 28.65% | 11.20% | 0.13 | 26.91 | — | — | 0.28 | 865.00% | 49.00% | 1767.00% | 13.91% | — | 33.05% | 0.00% | 0.00% | 2.36% | 6.88 | 7.50 | 5.27 | 3.11 |
| RDN | Radian Group Inc. | $34.52 | 4.7B | +46% | -24% | +16% | -40% | 8.28 | 1.01 | 3.87 | 6.80 | 147.46 | 1.01 | 92.30% | 61.19% | 46.73% | 12.39% | 16.57% | 6.94% | 0.24 | 11.64 | 0.14 | 0.14 | 1.24 | 561.00% | -336.00% | -15048.00% | 6.98% | 0.32 | 9.32% | 3.02% | 25.00% | 37.30% | 7.77 | 17.62 | 4.75 | 2.08 |
| SLM | SLM Corporation | $18.74 | 3.71B | +111% | -4% | — | +133% | 5.27 | 1.60 | 1.26 | 5.79 | 18.12 | 1.64 | 53.11% | 31.92% | 23.95% | 32.31% | 18.20% | 2.49% | 2.39 | 0.88 | 8.08 | 11.91 | 1.84 | 2910.00% | 410.00% | -27472.00% | 14.65% | 1.15 | 14.06% | 17.82% | 94.00% | 27.21% | 5.81 | 10.01 | 1.85 | 0.67 |
| SNV | Synovus Financial Corp. | $50.05 | 6.95B | -44% | -10% | -55% | -38% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| THG | The Hanover Insurance Gro… | $180.63 | 6.35B | -28% | -59% | -27% | +44% | 9.82 | 1.82 | 0.99 | 7.44 | 16.87 | 2.42 | 43.47% | 12.79% | 10.04% | 20.66% | 25.07% | 4.36% | 0.34 | 19.53 | — | — | 0.11 | 5821.00% | 612.00% | 4700.00% | 18.00% | — | 44.42% | 2.01% | 19.70% | 7.88% | 7.82 | 5.64 | 1.00 | 1.54 |
| VLY | Valley National Bancorp | $12.61 | 7.03B | +60% | -14% | +27% | -49% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
About Essent Group Ltd.
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. The company was founded in 2008 and is based in Hamilton, Bermuda.
- CEO
- Mark Anthony Casale
- Employees
- 555
- Beta
- 0.90
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($52.29 ÷ $60.03) − 1 = -12.89% (DCF, example).