Essent Group Ltd. (ESNT) stock
ESNTNYSESurety InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 10/3015% below fair value
$64.58−0.31 (-0.48%)
Close on Nov 13, 2026Market cap $5.80BP/E 8.8Yield 1.92%
Essent statistics
97 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 12, 2027 (estimated, before the open)
- Last ex-dividend date
- Aug 31, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.04
- 1.74
- P/OCF Ratio
- 6.77
- 7.15
Enterprise valuationIndustry
- EV / Sales
- 4.07
- 0.97
- EV / FCF
- 6.61
- 7.00
Share statisticsIndustry
- Shares Change (YoY)
- -9.10%
- -1.32%
- Shares Change (QoQ)
- -1.23%
- -0.09%
- Float
- 87M
- 57M
- Shares Held by Insiders
- 3.65%
- 3.33%
- Shares Held by Institutions
- 96.7%
- 84.6%
Short sellingIndustry
- Short Interest
- 3M
- –
- Short Interest Change
- -9.57%
- -2.56%
- Short % of Float
- 4.01%
- 3.81%
- Short % of Shares Outstanding
- 3.87%
- 3.02%
- Days to Cover
- 4.14
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $71.84
- –
- 52-Week Low
- $55.34
- –
- 20-Day Moving Average
- $66.14
- –
- 50-Day Moving Average
- $65.20
- –
- 200-Day Moving Average
- $63.15
- –
- Average True Range (14)
- $1.87
- –
- Price Change (1 Week)
- 1.85%
- 2.21%
- Price Change (1 Month)
- 1.29%
- 4.21%
- Price Change (3 Months)
- -6.99%
- 2.03%
- Price Change (6 Months)
- 6.90%
- 11.0%
- Price Change (YTD)
- -0.66%
- 8.86%
- Price Change (1 Year)
- 4.99%
- 10.7%
- Price Change (3 Years)
- 30.4%
- 42.9%
- Price Change (5 Years)
- 39.2%
- 42.3%
- Price Change (10 Years)
- 128.4%
- 113.0%
- Average Volume (10 Days)
- 755,941
- –
- Average Volume (20 Days)
- 815,008
- –
- Average Volume (90 Days)
- 700,637
- –
- Relative Volume
- 0.49
- 0.73
- Relative Strength Index (14)
- 46.7
- 56.3
- Volatility (1 Year)
- 26.0%
- 28.3%
- Beta (5 Years)
- 0.76
- 0.60
MarginsIndustry
- Pretax Margin
- 59.2%
- 13.5%
- EBITDA Margin
- 62.0%
- 13.5%
- FCF Margin
- 61.6%
- 18.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.0%
- 13.9%
- Return on Assets (ROA)
- 9.12%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 9.64%
- 6.46%
- Net Income Growth (YoY)
- -3.27%
- 11.9%
- EPS Growth (YoY)
- 6.55%
- 12.7%
- FCF Growth (YoY)
- 0.76%
- 9.52%
- Revenue Growth (3Y CAGR)
- 8.01%
- 9.53%
- Revenue Growth (5Y CAGR)
- 5.71%
- 8.29%
- EPS Growth (3Y CAGR)
- -3.67%
- 15.9%
- EPS Growth (5Y CAGR)
- 12.2%
- 15.2%
EfficiencyIndustry
- Asset Turnover
- 0.19
- 0.27
- Revenue Per Employee
- $2.70M
- $1.80M
- Profits Per Employee
- $1.32M
- $182.48K
- Employee Count
- 514
- 1,341
- WACC
- 8.90%
- 8.10%
Income statement (TTM)Industry
- Pretax Income
- $820.62M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $160.67M
- $331.32M
- Net Cash Per Share
- $1.79
- $5.43
- Equity (Book Value)
- $5.56B
- $3.44B
- Book Value Per Share
- $61.81
- $37.80
- Tangible Book Value
- $5.56B
- $2.32B
Cash flow (TTM)Industry
- Capital Expenditures
- -$4.09M
- -$9.40M
- FCF Per Share
- $9.49
- $8.18
Dividends and yieldsIndustry
- Earnings Yield
- 11.7%
- 8.85%
- FCF Yield
- 14.7%
- 12.2%
- Dividend Yield
- 1.92%
- 1.88%
- Buyback Yield
- 9.71%
- 3.22%
- Shareholder Yield
- 11.6%
- 4.26%
- Dividend Per Share
- $1.24
- $1.75
- Dividend Growth (YoY)
- 10.7%
- 4.86%
- Years of Dividend Growth
- 6
- 3
- Payout Ratio
- 18.4%
- 20.1%
- FCF Payout Ratio
- 14.6%
- 17.9%
Taxes and interestIndustry
- Interest Expense
- $32.61M
- $77.46M
- Income Tax
- $140.74M
- $107.00M
- Effective Tax Rate
- 17.2%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $100.89
- $76.72
- Graham Upside
- 56.2%
- 11.3%
- Altman Z-Score
- 2.97
- 0.94
- Piotroski F-Score
- 5
- 5
- Lynch Fair Value
- $89.32
- –
- Lynch Upside
- 38.3%
- 74.7%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | ESNT | S&P 500 | Difference | ESNT per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.1% | -3.0% | +7.1 pts | ||
| 3 months | -6.3% | -2.8% | −3.5 pts | ||
| Year to date | +1.1% | +11.5% | −10.4 pts | ||
| 1 year | +7.4% | +13.5% | −6.1 pts | ||
| 3 years | +41.1% | +77.7% | −36.6 pts | +12.2% | +21.1% |
| 5 years | +53.1% | +72.6% | −19.5 pts | +8.9% | +11.5% |
| 10 years | +151.6% | +308.2% | −156.6 pts | +9.7% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
3M ESNT shares were sold short on Oct 30, 2026, down 9.6% from the previous report, or 4.01% of the shares available to trade. At recent volumes it would take 4.1 days to buy them back. Over the last 20 sessions, 57.7% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 3,475,247 | -9.6% | 839,979 | 4.1 |
| Oct 15, 2026 | 3,842,827 | +14.7% | 798,536 | 4.8 |
| Sep 30, 2026 | 3,350,195 | +16.0% | 1,017,727 | 3.3 |
| Sep 15, 2026 | 2,887,815 | +20.5% | 634,943 | 4.5 |
| Aug 31, 2026 | 2,395,624 | -3.0% | 574,205 | 4.2 |
| Aug 14, 2026 | 2,468,888 | -5.7% | 579,116 | 4.3 |
| Jul 31, 2026 | 2,618,210 | +0.5% | 475,416 | 5.5 |
| Jul 15, 2026 | 2,605,286 | -2.9% | 649,498 | 4.0 |
| Jun 30, 2026 | 2,681,790 | +6.9% | 1,319,485 | 2.0 |
| Jun 15, 2026 | 2,508,287 | +11.8% | 917,127 | 2.7 |
| May 29, 2026 | 2,243,498 | -3.0% | 608,105 | 3.7 |
| May 15, 2026 | 2,312,271 | +16.4% | 798,333 | 2.9 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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