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Essent GroupESNT +0.42%89 Debt-to-Equity is 0.09 as of Jun. 2026, which is at its 10-year median of 0.09. GuruFocus rates ESNT with a GF Score™ of 89/100 and a GF Value™ of $71.63 (Fairly Valued). The stock has 5 warning signs investors should review. Among 403 Insurance companies, Essent Group ranks better than 69.98% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Essent Group's Debt-to-Equity or its related term are showing as below:
ESNT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.09 Max: 0.14
Current: 0.09
During the past 13 years, the highest Debt-to-Equity Ratio of Essent Group was 0.14. The lowest was 0.04. And the median was 0.09.
ESNT's Debt-to-Equity is ranked better than 69.98% of 403
companies
in the Insurance industry
Industry Median: 0.21
vs ESNT: 0.09
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Essent Group Debt-to-Equity Related Terms
Essent Group Debt-to-Equity Historical Data
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The historical data trend for Essent Group's Debt-to-Equity 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.
For the Insurance - Specialty subindustry, Essent Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Essent Group Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Essent Group's Debt-to-Equity falls into.
* 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 (ESNT) has a Debt-to-Equity of 0.09 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Essent Group and its competitors. This is near median its historical median of 0.09. Over the past decade, Essent Group's Debt-to-Equity has ranged from 0.04 to 0.14. According to the industry distribution chart, Essent Group ranks #121 out of 403 companies in the Insurance industry, placing it in the top 30%.
Is Essent Group's Debt-to-Equity too high?
Essent Group's current Debt-to-Equity of 0.09 is near median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.14. The Insurance industry median Debt-to-Equity is 0.21. Essent Group's value of 0.09 is 57.1% below this industry median. Based on the distribution chart, Essent Group ranks #121 out of 403 companies in the Insurance industry, which is above the industry midpoint. 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 Debt-to-Equity compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #121 out of 403 companies for Debt-to-Equity. This puts Essent Group in the upper half of its industry. The industry median Debt-to-Equity is 0.21. Essent Group's value of 0.09 is 57.1% below this benchmark. Historically, Essent Group's own Debt-to-Equity has ranged from 0.04 to 0.14 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.21, Essent Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 403 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current Debt-to-Equity of 0.09 is 57.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Essent Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current Debt-to-Equity is 0.09, which is near median its own 10-year median of 0.09. 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 $71.63, compared to a current price of $69.57 — trading 2.9% below its estimated fair value. The current Debt-to-Equity is 0.09, which is near median its 10-year median of 0.09 and 57.1% below the Insurance industry median of 0.21. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Essent Group (ESNT), the current Debt-to-Equity is 0.09 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 $69.57 is trading 2.9% below its estimated GF Value™ of $71.63.
GuruFocus considers Essent Group to be Fairly Valued.
Key valuation signals for ESNT:
Debt-to-Equity: 0.09 (near median its 10-year median of 0.09)
GF Value™: $71.63 vs. price of $69.57 (2.9% below fair value)
Industry Position: 57.1% below the Insurance median (#121 of 403)
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 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
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