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Essent GroupESNT +0.42%89 EV-to-EBITDA is 7.78 as of Aug. 15, 2026, which is 4% above its 10-year median of 7.50. 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 347 Insurance companies, Essent Group ranks better than 51.59% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Essent Group's enterprise value is $6,674 Mil.
Essent Group's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was $858 Mil. Therefore, Essent Group's EV-to-EBITDA for today is 7.78.
The historical rank and industry rank for Essent Group's EV-to-EBITDA or its related term are showing as below:
ESNT'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 3.59 Med: 7.5 Max: 17.7
Current: 7.78
During the past 13 years, the highest EV-to-EBITDA of Essent Group was 17.70. The lowest was 3.59. And the median was 7.50.
ESNT's EV-to-EBITDA is ranked better than 51.59% of 347
companies
in the Insurance industry
Industry Median: 8.04
vs ESNT: 7.78
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Essent Group's PE Ratio (TTM) for today is calculated as:
Essent Group's share price for today is $69.57.
Essent Group's Earnings per Share (Diluted) 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 $7.170.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Essent Group's EV-to-EBITDA 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-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Essent Group's EV-to-EBITDA falls into.
Essent Group's current Enterprise Value is $6,674 Mil.
Essent Group's EBITDA 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 $858 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-EBITDA of 7.78 as of Aug. 15, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Essent Group. This is near median its historical median of 7.50. Over the past decade, Essent Group's EV-to-EBITDA has ranged from 3.59 to 17.70. According to the industry distribution chart, Essent Group ranks #168 out of 347 companies in the Insurance industry, placing it in the top 48.4%.
Is Essent Group's EV-to-EBITDA too high?
Essent Group's current EV-to-EBITDA of 7.78 is near median its 10-year median of 7.50. Over the past 10 years, this metric has ranged from a low of 3.59 to a high of 17.70. The Insurance industry median EV-to-EBITDA is 8.04. Essent Group's value of 7.78 is 3.2% below this industry median. Based on the distribution chart, Essent Group ranks #168 out of 347 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-EBITDA compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #168 out of 347 companies for EV-to-EBITDA. This puts Essent Group in the upper half of its industry. The industry median EV-to-EBITDA is 8.04. Essent Group's value of 7.78 is 3.2% below this benchmark. Historically, Essent Group's own EV-to-EBITDA has ranged from 3.59 to 17.70 over the past decade. While the company's 10-year median is 7.50 vs. the industry median of 8.04, 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-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.04, based on 347 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current EV-to-EBITDA of 7.78 is 3.2% 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-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Essent Group. For the Insurance industry, the median EV-to-EBITDA is 8.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current EV-to-EBITDA is 7.78, which is near median its own 10-year median of 7.50. 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-EBITDA is 7.78, which is near median its 10-year median of 7.50 and 3.2% below the Insurance industry median of 8.04. 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-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Essent Group (ESNT), the current EV-to-EBITDA is 7.78 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-EBITDA: 7.78 (near median its 10-year median of 7.50)
GF Value™: $71.63 vs. price of $69.57 (2.9% below fair value)
Industry Position: 3.2% below the Insurance median (#168 of 347)
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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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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