# Essent Group Ltd. (ESNT) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Thrifts & Mortgage Finance. Price $69.18, market value $6.2 billion.

## Valuation
- **P/E (trailing): 9.6×** (5-yr avg 7.3×, 3-yr avg 8.3×). Essent Group Ltd. trades at 9.6× trailing earnings, well above its own five-year average of 7.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 12.07**. A PEG of 12.07 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 4.7×**. Each dollar of revenue is priced at 4.7×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 13.3%** (5-yr avg 14.5%). Free cash flow equals 13.3% of the market value, in line with its five-year average of 14.5%. Above 5% is generally attractive.
- **Earnings yield: 10.4%**. The inverse of the P/E: 10.4% of the price is earned each year.

## Profitability
- **Net margin: 54.7%**. 54.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.0%**. 12.0% on shareholders' equity is solid.
- **Return on assets: 9.1%**. Each dollar of assets produces 9.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 1.5%** (3-yr 8.0%/yr, 5-yr 5.7%/yr). Revenue grew 1.5% over the last year, against 5.7% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 0.7%** (3-yr -3.7%/yr, 5-yr 12.2%/yr). Earnings per share rose 0.7%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): 13.2%/yr**. Free cash flow has compounded at 13.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 2.02%** ($1.32 per share, trailing). Essent Group Ltd. yields 2.02%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 18%** (15% of free cash flow). 18% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 14.1%/yr** (1-yr 10.7%). The dividend has compounded at 14.1% a year over five years, doubling roughly every 5 years at that pace.

## Price and momentum
- **Total return (1 yr): 9.8%** (YTD 7.7%, 3-mo 20.4%). The shares are up 9.8% over twelve months including dividends.
- **From 52-week high: -1.7%** (25.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.10** (volatility 23%). Beta of 0.10 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ESNT · Page: https://foliofundamentals.com/stocks/esnt

Not investment advice.