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Essent GroupESNT +0.42%89 EV-to-OCF is 8.00 as of Aug. 15, 2026, which is 4% above its 10-year median of 7.68. 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 504 Insurance companies, Essent Group ranks worse than 57.14% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Essent Group's Enterprise Value is $6,674 Mil.
Essent Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $834 Mil. Therefore, Essent Group's EV-to-OCF for today is 8.00.
The historical rank and industry rank for Essent Group's EV-to-OCF or its related term are showing as below:
ESNT'
s EV-to-OCF Range Over the Past 10 Years
Min: 4.09 Med: 7.68 Max: 14.05
Current: 8
During the past 13 years, the highest EV-to-OCF of Essent Group was 14.05. The lowest was 4.09. And the median was 7.68.
ESNT's EV-to-OCF is ranked worse than 57.14% of 504
companies
in the Insurance industry
Industry Median: 6.465
vs ESNT: 8.00
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Essent Group EV-to-OCF Related Terms
Essent Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Essent Group's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Essent Group's EV-to-OCF falls into.
Essent Group's current Enterprise Value is $6,674 Mil.
Essent Group's Cash Flow from Operations 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 $834 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-OCF of 8.00 as of Aug. 15, 2026. This is near median its historical median of 7.68. Over the past decade, Essent Group's EV-to-OCF has ranged from 4.09 to 14.05. According to the industry distribution chart, Essent Group ranks #288 out of 504 companies in the Insurance industry, placing it in the top 57.1%.
Is Essent Group's EV-to-OCF too high?
Essent Group's current EV-to-OCF of 8.00 is near median its 10-year median of 7.68. Over the past 10 years, this metric has ranged from a low of 4.09 to a high of 14.05. The Insurance industry median EV-to-OCF is 6.47. Essent Group's value of 8.00 is 23.7% above this industry median. Based on the distribution chart, Essent Group ranks #288 out of 504 companies in the Insurance industry, which is below 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-OCF compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #288 out of 504 companies for EV-to-OCF. This places Essent Group in the lower half of its industry. The industry median EV-to-OCF is 6.47. Essent Group's value of 8.00 is 23.7% above this benchmark. Historically, Essent Group's own EV-to-OCF has ranged from 4.09 to 14.05 over the past decade. While the company's 10-year median is 7.68 vs. the industry median of 6.47, Essent Group has consistently been above 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.47, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current EV-to-OCF of 8.00 is 23.7% above 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current EV-to-OCF is 8.00, which is near median its own 10-year median of 7.68. 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-OCF is 8.00, which is near median its 10-year median of 7.68 and 23.7% above the Insurance industry median of 6.47. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Essent Group (ESNT), the current EV-to-OCF is 8.00 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-OCF: 8.00 (near median its 10-year median of 7.68)
GF Value™: $71.63 vs. price of $69.57 (2.9% below fair value)
Industry Position: 23.7% above the Insurance median (#288 of 504)
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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