Essent Group (FRA:EG0) E10: €5.94 (As of Jun. 2026)

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FRA:EG0 Essent Group Ltd FRA:EG0
90 GF Score
Price €59.50
GF Value €63.29
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Essent Group E10?

Essent Group FRA:EG0 +0.85% 90 E10 is €5.94 as of Jun. 2026. GuruFocus rates FRA:EG0 with a GF Score™ of 90/100 and a GF Value™ of €63.29 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Essent Group's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.805. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €5.94 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Essent Group's average E10 Growth Rate was 10.80% per year. During the past 3 years, the average E10 Growth Rate was 13.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Essent Group was 13.00% per year. The lowest was 13.00% per year. And the median was 13.00% per year.

As of today (2026-08-16), Essent Group's current stock price is €59.50. Essent Group's E10 for the quarter that ended in Jun. 2026 was €5.94. Essent Group's Shiller PE Ratio of today is 10.02.

During the past 13 years, the highest Shiller PE Ratio of Essent Group was 11.85. The lowest was 8.02. And the median was 9.88.


Essent Group  (FRA:EG0) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Essent Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=59.50/5.94
=10.02

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Essent Group was 11.85. The lowest was 8.02. And the median was 9.88.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Essent Group E10 Related Terms


Essent Group E10 Historical Data

* Premium members only.

The historical data trend for Essent Group's E10 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 E10 Chart

Essent Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 4.12 4.57 5.45 5.40

Essent Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 5.17 5.30 5.40 5.66 5.94

FRA:EG0 vs MTG, ACT, RYAN: E10 Comparison

For the Insurance - Specialty subindustry, Essent Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Essent Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Essent Group's Shiller PE Ratio falls into.


FRA:EG0
90GF Score
Essent Group Ltd FRA:EG0
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Essent Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Essent Group's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.805/333.9520*333.9520
=1.805

Current CPI (Jun. 2026) = 333.9520.

Essent Group Quarterly Data

per share eps CPI Adj_EPS
201609 0.579 241.428 0.801
201612 0.645 241.432 0.892
201703 0.673 243.801 0.922
201706 0.685 244.955 0.934
201709 0.688 246.819 0.931
201712 1.394 246.524 1.888
201803 0.916 249.554 1.226
201806 0.976 251.989 1.293
201809 1.011 252.439 1.337
201812 1.151 251.233 1.530
201903 1.151 254.202 1.512
201906 1.230 256.143 1.604
201909 1.335 256.759 1.736
201912 1.341 256.974 1.743
202003 1.376 258.115 1.780
202006 0.133 257.797 0.172
202009 0.942 260.280 1.209
202012 0.904 260.474 1.159
202103 1.016 264.877 1.281
202106 1.179 271.696 1.449
202109 1.564 274.310 1.904
202112 1.451 278.802 1.738
202203 2.288 287.504 2.658
202206 2.043 296.311 2.303
202209 1.677 296.808 1.887
202212 1.293 296.797 1.455
202303 1.485 301.836 1.643
202306 1.486 305.109 1.626
202309 1.555 307.789 1.687
202312 1.504 306.746 1.637
202403 1.564 312.332 1.672
202406 1.774 314.175 1.886
202409 1.487 315.301 1.575
202412 1.509 315.605 1.597
202503 1.563 319.799 1.632
202506 1.673 322.561 1.732
202509 1.423 324.800 1.463
202512 1.366 324.054 1.408
202603 1.574 330.213 1.592
202606 1.805 333.952 1.805

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €5.94 mean?
Essent Group (FRA:EG0) has a E10 of €5.94 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Essent Group and its competitors.
Is Essent Group's E10 too high?
Essent Group's current E10 is €5.94. Overall, Essent Group has a GF Score™ of 90/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Essent Group's E10 compare to MTG and ACT?
Essent Group's E10 of €5.94 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Essent Group and its competitors. Essent Group's current E10 is €5.94. 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 (FRA:EG0) is currently considered Fairly Valued. The stock's GF Value™ is €63.29, compared to a current price of €59.50 — trading 6% below its estimated fair value. The current E10 is €5.94. Essent Group's overall GF Score™ is 90/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Essent Group (FRA:EG0), the current E10 is €5.94 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 (FRA:EG0) Overvalued in 2026?

Based on GuruFocus' analysis, Essent Group stock appears to be undervalued. The current stock price of €59.50 is trading 6% below its estimated GF Value™ of €63.29. GuruFocus considers Essent Group to be Fairly Valued.

Key valuation signals for FRA:EG0:

  • E10: €5.94
  • GF Value™: €63.29 vs. price of €59.50 (6% below fair value)
  • GF Score™: 90/100 with 5 warning signs

No single metric tells the full story. See the FRA:EG0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Essent Group Business Description

Other Exchanges ESNT:USA0U95:UK
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.
90GF Score

Get the complete analysis for FRA:EG0

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€59.50
Price
€63.29
GF Value