Essent Group Ltd (ESNT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Essent Group Ltd stock (ESNT) is currently trading at $57.95. Essent Group Ltd PE ratio is 8.32. Essent Group Ltd PS ratio (Price-to-Sales) is 4.40. Analyst consensus price target for ESNT is $68.06. WallStSmart rates ESNT as Moderate Buy.
- ESNT PE ratio analysis and historical PE chart
- ESNT PS ratio (Price-to-Sales) history and trend
- ESNT intrinsic value — DCF, Graham Number, EPV models
- ESNT stock price prediction 2025 2026 2027 2028 2029 2030
- ESNT fair value vs current price
- ESNT insider transactions and insider buying
- Is ESNT undervalued or overvalued?
- Essent Group Ltd financial analysis — revenue, earnings, cash flow
- ESNT Piotroski F-Score and Altman Z-Score
- ESNT analyst price target and Smart Rating
Essent Group
📊 No data available
Try selecting a different time range
ESNT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Essent Group Ltd (ESNT)
ESNT trades 15% above its Graham fair value of $56.86, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Essent Group Ltd (ESNT) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around revenue growth and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Essent Group Ltd (ESNT) Key Strengths (6)
Growing significantly faster than its price suggests
Keeps $62 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $55 of every $100 in revenue as net profit
98.93% of shares held by major funds and institutions
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Essent Group Ltd (ESNT) Areas to Watch (4)
Revenue declining -0.80%, a shrinking business
Earnings barely growing at 0.90%
Premium valuation at 4.4x annual revenue
Moderate profitability with room for improvement
Essent Group Ltd (ESNT) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.5/10) while 4 fall into concern territory (avg 2.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Operating Margin, Price/Book. Valuation metrics including PEG Ratio (0.84), Price/Book (0.94) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 61.70%, Profit Margin at 54.70%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Price/Sales. Some valuation metrics including Price/Sales (4.40) suggest expensive pricing. Growth concerns include Revenue Growth at -0.80%, EPS Growth at 0.90%, which may limit upside. Profitability pressure is visible in Return on Equity at 12.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.10% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -0.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (PEG Ratio, Operating Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ESNT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ESNT's Price-to-Sales ratio of 4.40x trades 37% below its historical average of 6.99x (25th percentile). The current valuation is 90% below its historical high of 46.26x set in Dec 2013, and 64% above its historical low of 2.69x in Apr 2020.
WallStSmart Analysis Synopsis
Data-driven financial summary for Essent Group Ltd (ESNT) · FINANCIAL SERVICES › INSURANCE - SPECIALTY
The Big Picture
Essent Group Ltd faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 1.3B with 1% decline year-over-year. Profit margins are strong at 54.7%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 54.7% and operating margin of 61.7% demonstrate strong pricing power and operational efficiency.
Generating 228M in free cash flow and 229M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor INSURANCE - SPECIALTY industry trends, competitive moves, and regulatory changes that could impact Essent Group Ltd.
Bottom Line
Essent Group Ltd faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Essent Group Ltd(ESNT)
NYSE
FINANCIAL SERVICES
INSURANCE - SPECIALTY
USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.