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Essent GroupESNT -1.04%88 EV-to-FCF is 7.82 as of Jul. 22, 2026, which is 1% above its 10-year median of 7.75. GuruFocus rates ESNT with a GF Score™ of 88/100 and a GF Value™ of $67.37 (Fairly Valued). The stock has 5 warning signs investors should review. Among 394 Insurance companies, Essent Group ranks better than 57.61% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Essent Group's Enterprise Value is $6,402 Mil.
Essent Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $819 Mil. Therefore, Essent Group's EV-to-FCF for today is 7.82.
The historical rank and industry rank for Essent Group's EV-to-FCF or its related term are showing as below:
ESNT'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.11 Med: 7.75 Max: 14.2
Current: 7.82
During the past 13 years, the highest EV-to-FCF of Essent Group was 14.20. The lowest was 4.11. And the median was 7.75.
ESNT's EV-to-FCF is ranked better than 57.61% of 394
companies
in the Insurance industry
Industry Median: 9.755
vs ESNT: 7.82
EV-to-FCF 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-FCF 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 $65.48.
Essent Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $7.020.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Essent Group EV-to-FCF Related Terms
Essent Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Essent Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Essent Group's EV-to-FCF falls into.
Essent Group's current Enterprise Value is $6,402 Mil.
Essent Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $819 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-FCF of 7.82 as of Jul. 22, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Essent Group and its competitors. This is near median its historical median of 7.75. Over the past decade, Essent Group's EV-to-FCF has ranged from 4.11 to 14.20. According to the industry distribution chart, Essent Group ranks #167 out of 394 companies in the Insurance industry, placing it in the top 42.4%.
Is Essent Group's EV-to-FCF too high?
Essent Group's current EV-to-FCF of 7.82 is near median its 10-year median of 7.75. Over the past 10 years, this metric has ranged from a low of 4.11 to a high of 14.20. The Insurance industry median EV-to-FCF is 9.76. Essent Group's value of 7.82 is 19.8% below this industry median. Based on the distribution chart, Essent Group ranks #167 out of 394 companies in the Insurance industry, which is above the industry midpoint. Overall, Essent Group has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Essent Group's EV-to-FCF compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #167 out of 394 companies for EV-to-FCF. This puts Essent Group in the upper half of its industry. The industry median EV-to-FCF is 9.76. Essent Group's value of 7.82 is 19.8% below this benchmark. Historically, Essent Group's own EV-to-FCF has ranged from 4.11 to 14.20 over the past decade. While the company's 10-year median is 7.75 vs. the industry median of 9.76, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.76, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current EV-to-FCF of 7.82 is 19.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Essent Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current EV-to-FCF is 7.82, which is near median its own 10-year median of 7.75. 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 $67.37, compared to a current price of $65.48 — trading 2.8% below its estimated fair value. The current EV-to-FCF is 7.82, which is near median its 10-year median of 7.75 and 19.8% below the Insurance industry median of 9.76. Essent Group's overall GF Score™ is 88/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Essent Group (ESNT), the current EV-to-FCF is 7.82 as of Jul. 22, 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 $65.48 is trading 2.8% below its estimated GF Value™ of $67.37.
GuruFocus considers Essent Group to be Fairly Valued.
Key valuation signals for ESNT:
EV-to-FCF: 7.82 (near median its 10-year median of 7.75)
GF Value™: $67.37 vs. price of $65.48 (2.8% below fair value)
Industry Position: 19.8% below the Insurance median (#167 of 394)
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.
88GF Score
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