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Essent GroupESNT +0.42%89 EV-to-EBIT is 7.82 as of Aug. 15, 2026, which is 4% above its 10-year median of 7.54. 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 345 Insurance companies, Essent Group ranks better than 57.68% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Essent Group's Enterprise Value for the quarter that ended in Jun. 2026 was $6,199 Mil.
Essent Group's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $853 Mil.
* 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 EV-to-EBIT Related Terms
Essent Group EV-to-EBIT Historical Data
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The historical data trend for Essent Group's EV-to-EBIT 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 EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Essent Group's EV-to-EBIT falls into.
Essent Group's current Enterprise Value is $6,674 Mil.
Essent Group's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $853 Mil.
* 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 EV-to-EBIT of 7.82 as of Aug. 15, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Essent Group and its competitors. This is near median its historical median of 7.54. Over the past decade, Essent Group's EV-to-EBIT has ranged from 3.61 to 17.96. According to the industry distribution chart, Essent Group ranks #146 out of 345 companies in the Insurance industry, placing it in the top 42.3%.
Is Essent Group's EV-to-EBIT too high?
Essent Group's current EV-to-EBIT of 7.82 is near median its 10-year median of 7.54. Over the past 10 years, this metric has ranged from a low of 3.61 to a high of 17.96. The Insurance industry median EV-to-EBIT is 8.38. Essent Group's value of 7.82 is 6.7% below this industry median. Based on the distribution chart, Essent Group ranks #146 out of 345 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 EV-to-EBIT compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #146 out of 345 companies for EV-to-EBIT. This puts Essent Group in the upper half of its industry. The industry median EV-to-EBIT is 8.38. Essent Group's value of 7.82 is 6.7% below this benchmark. Historically, Essent Group's own EV-to-EBIT has ranged from 3.61 to 17.96 over the past decade. While the company's 10-year median is 7.54 vs. the industry median of 8.38, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.38, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current EV-to-EBIT of 7.82 is 6.7% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Essent Group and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current EV-to-EBIT is 7.82, which is near median its own 10-year median of 7.54. 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 EV-to-EBIT is 7.82, which is near median its 10-year median of 7.54 and 6.7% below the Insurance industry median of 8.38. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Essent Group (ESNT), the current EV-to-EBIT is 7.82 as of Aug. 15, 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:
EV-to-EBIT: 7.82 (near median its 10-year median of 7.54)
GF Value™: $71.63 vs. price of $69.57 (2.9% below fair value)
Industry Position: 6.7% below the Insurance median (#146 of 345)
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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