ESNT (Essent Group) Unearned Premiums: $257 Mil (As of Jun. 2026)

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Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ESNT Essent Group Ltd ESNT
89 GF Score
Price $69.00
GF Value $72.02
Valuation Fairly Valued
! 5 Warning Signs
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What is Essent Group Unearned Premiums?

Essent Group ESNT +0.77% 89 Unearned Premiums is $257 Mil as of Jun. 2026. GuruFocus rates ESNT with a GF Score™ of 89/100 and a GF Value™ of $72.02 (Fairly Valued). The stock has 5 warning signs investors should review.

Essent Group's quarterly unearned premiums increased from Dec. 2025 ($92 Mil) to Mar. 2026 ($226 Mil) and increased from Mar. 2026 ($226 Mil) to Jun. 2026 ($257 Mil).

Essent Group's annual unearned premiums declined from Dec. 2023 ($140 Mil) to Dec. 2024 ($116 Mil) and declined from Dec. 2024 ($116 Mil) to Dec. 2025 ($92 Mil).

Essent Group Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Essent Group's Unearned Premiums can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Essent Group Unearned Premiums Chart

Essent Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial Premium Member Only Premium Member Only 185.39 162.89 140.29 115.98 91.73

Essent Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 102.38 96.58 91.73 226.31 256.83
ESNT
89GF Score
Essent Group Ltd ESNT
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Essent Group Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of $257 Mil mean?
Essent Group (ESNT) has a Unearned Premiums of $257 Mil as of Jun. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Essent Group and its competitors.
Is Essent Group's Unearned Premiums too high?
Essent Group's current Unearned Premiums is $257 Mil. Overall, Essent Group has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Essent Group's Unearned Premiums compare to MTG and ACT?
Essent Group's Unearned Premiums of $257 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Essent Group and its competitors. Essent Group's current Unearned Premiums is $257 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Essent Group stock overvalued right now?
Based on GuruFocus' analysis, Essent Group (ESNT) is currently considered Fairly Valued. The stock's GF Value™ is $72.02, compared to a current price of $69.00 — trading 4.2% below its estimated fair value. The current Unearned Premiums is $257 Mil. Essent Group's overall GF Score™ is 89/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Essent Group (ESNT), the current Unearned Premiums is $257 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Essent Group (ESNT) Overvalued in 2026?

Based on GuruFocus' analysis, Essent Group stock appears to be undervalued. The current stock price of $69.00 is trading 4.2% below its estimated GF Value™ of $72.02. GuruFocus considers Essent Group to be Fairly Valued.

Key valuation signals for ESNT:

  • Unearned Premiums: $257 Mil
  • GF Value™: $72.02 vs. price of $69.00 (4.2% below fair value)
  • GF Score™: 89/100 with 5 warning signs

No single metric tells the full story. See the ESNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Essent Group Business Description

Other Exchanges 0U95:UKEG0:Germany
Address 2 Church Street, Clarendon House, Hamilton, BMU, HM 11
Essent Group Ltd serves the housing finance industry by providing private mortgage insurance, reinsurance, risk management products, title insurance, and settlement services to mortgage lenders, borrowers, and investors to support homeownership. It provides credit protection to lenders and mortgage investors by covering a portion of the unpaid principal balance of a mortgage and certain related expenses in the event of a default. By providing capital to mitigate mortgage credit risk, the company allows lenders to make additional mortgage financing available to prospective homeowners.
89GF Score

Get the complete analysis for ESNT

Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.00
Price
$72.02
GF Value