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Essent GroupESNT +0.42%89 Equity-to-Asset is 0.75 as of Jun. 2026, which is at its 10-year median of 0.75. GuruFocus rates ESNT with a GF Score™ of 89/100 and a GF Value™ of $71.70 (Fairly Valued). The stock has 5 warning signs investors should review. Among 507 Insurance companies, Essent Group ranks better than 95.46% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Essent Group's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $5,663 Mil. Essent Group's Total Assets for the quarter that ended in Jun. 2026 was $7,592 Mil.
Therefore, Essent Group's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.75.
The historical rank and industry rank for Essent Group's Equity-to-Asset or its related term are showing as below:
ESNT'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.7 Med: 0.75 Max: 0.8
Current: 0.75
During the past 13 years, the highest Equity to Asset Ratio of Essent Group was 0.80. The lowest was 0.70. And the median was 0.75.
ESNT's Equity-to-Asset is ranked better than 95.46% of 507
companies
in the Insurance industry
Industry Median: 0.26
vs ESNT: 0.75
Essent Group (NYSE:ESNT) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Essent Group Equity-to-Asset Related Terms
Essent Group Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Essent Group's Equity-to-Asset 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.
ESNT vs MTG, ACT, RYAN: Equity-to-Asset Comparison
For the Insurance - Specialty subindustry, Essent Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Essent Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Essent Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.75 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Essent Group and its competitors. This is near median its historical median of 0.75. Over the past decade, Essent Group's Equity-to-Asset has ranged from 0.70 to 0.80. According to the industry distribution chart, Essent Group ranks #23 out of 507 companies in the Insurance industry, placing it in the top 4.5%.
Is Essent Group's Equity-to-Asset too high?
Essent Group's current Equity-to-Asset of 0.75 is near median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 0.80. The Insurance industry median Equity-to-Asset is 0.26. Essent Group's value of 0.75 is 188.5% above this industry median. Based on the distribution chart, Essent Group ranks #23 out of 507 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Equity-to-Asset compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #23 out of 507 companies for Equity-to-Asset. This places Essent Group in the top 5% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.26. Essent Group's value of 0.75 is 188.5% above this benchmark. Historically, Essent Group's own Equity-to-Asset has ranged from 0.70 to 0.80 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current Equity-to-Asset of 0.75 is 188.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Essent Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current Equity-to-Asset is 0.75, which is near median its own 10-year median of 0.75. 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 $71.70, compared to a current price of $69.57 — trading 3% below its estimated fair value. The current Equity-to-Asset is 0.75, which is near median its 10-year median of 0.75 and 188.5% above the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Essent Group (ESNT), the current Equity-to-Asset is 0.75 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 3% below its estimated GF Value™ of $71.70.
GuruFocus considers Essent Group to be Fairly Valued.
Key valuation signals for ESNT:
Equity-to-Asset: 0.75 (near median its 10-year median of 0.75)
GF Value™: $71.70 vs. price of $69.57 (3% below fair value)
Industry Position: 188.5% above the Insurance median (#23 of 507)
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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