ESNT - NYSE

Essent Group Ltd.

Essent Group Ltd.

ESNTยทNYSE

$55.84

+0.090%
Financial ServicesInsurance - Specialty

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$5.15B
EPS6.9700
P/E Ratio8.01
Earnings Date08/14/2026
Essent Group Ltd.

Essent Group Ltd. Fair Value Envelope

ESNT ยท NYSE

Our analysis suggests that ESNT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $55.84, this represents a potential HIDDEN relative to our calculated worth for Essent Group Ltd..

HIDDEN
Intrinsic Value
Current Price: $55.84

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$11.8B
+ Cash & Equivalents$123.0M
Firm Value$11.9B
- Debt$495.3M
Equity Value$11.4B
/ Shares Outstanding92,152,900B
DCF Value$124
UNDERVALUED BY 122%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$850.0M
$843.9M
$837.9M
$832.0M
$826.1M
$820.2M
$814.3M
$808.6M
$802.8M
$797.1M
Maintenance CapEx
-$1.5M
-$1.5M
-$1.4M
-$1.4M
-$1.4M
-$1.4M
-$1.4M
-$1.4M
-$1.4M
-$1.4M
Owner Earnings
$848.5M
$842.5M
$836.5M
$830.5M
$824.6M
$818.8M
$812.9M
$807.2M
$801.4M
$795.7M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$785.7M
$722.3M
$664.0M
$610.5M
$561.2M
$516.0M
$474.3M
$436.1M
$400.9M
$368.6M
Terminal Value represents 53.1% of Enterprise Value

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