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Essent GroupLTS:0U95 +0.74%89 FCF Margin % is 54.07% as of Jun. 2026, which is 19% below its 10-year median of 66.89. GuruFocus rates LTS:0U95 with a GF Score™ of 89/100 and a GF Value™ of $71.21 (Fairly Valued). The stock has 5 warning signs investors should review. Among 501 Insurance companies, Essent Group ranks better than 95.41% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Essent Group's Free Cash Flow for the
three
months ended in Jun. 2026 was $196 Mil. Essent Group's Revenue for the
three
months ended in Jun. 2026 was $363 Mil. Therefore, Essent Group's FCF Margin % for the quarter that ended in Jun. 2026 was 54.07%.
The historical data trend for Essent Group's FCF Margin % 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.
LTS:0U95 vs MTG, ACT, RYAN: FCF Margin % Comparison
For the Insurance - Specialty subindustry, Essent Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Essent Group's FCF Margin % falls into.
* 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 (LTS:0U95) has a FCF Margin % of 54.07% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Essent Group and its competitors. This is 19% below median its historical median of 66.89. Over the past decade, Essent Group's FCF Margin % has ranged from 57.43 to 86.36. According to the industry distribution chart, Essent Group ranks #23 out of 501 companies in the Insurance industry, placing it in the top 4.6%.
Is Essent Group's FCF Margin % too high?
Essent Group's current FCF Margin % of 54.07% is 19% below median its 10-year median of 66.89. Over the past 10 years, this metric has ranged from a low of 57.43 to a high of 86.36. The Insurance industry median FCF Margin % is 8.97. Essent Group's value of 54.07% is 502.8% above this industry median. Based on the distribution chart, Essent Group ranks #23 out of 501 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 FCF Margin % compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #23 out of 501 companies for FCF Margin %. This places Essent Group in the top 5% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 8.97. Essent Group's value of 54.07% is 502.8% above this benchmark. Historically, Essent Group's own FCF Margin % has ranged from 57.43 to 86.36 over the past decade. While the company's 10-year median is 66.89 vs. the industry median of 8.97, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.97, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current FCF Margin % of 54.07% is 502.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Essent Group and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current FCF Margin % is 54.07%, which is 19% below median its own 10-year median of 66.89. 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 (LTS:0U95) is currently considered Fairly Valued. The stock's GF Value™ is $71.21, compared to a current price of $69.16 — trading 2.9% below its estimated fair value. The current FCF Margin % is 54.07%, which is 19% below median its 10-year median of 66.89 and 502.8% above the Insurance industry median of 8.97. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Essent Group (LTS:0U95), the current FCF Margin % is 54.07% 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 (LTS:0U95) Overvalued in 2026?
Based on GuruFocus' analysis, Essent Group stock appears to be undervalued.
The current stock price of $69.16 is trading 2.9% below its estimated GF Value™ of $71.21.
GuruFocus considers Essent Group to be Fairly Valued.
Key valuation signals for LTS:0U95:
FCF Margin %: 54.07% (19% below median its 10-year median of 66.89)
GF Value™: $71.21 vs. price of $69.16 (2.9% below fair value)
Industry Position: 502.8% above the Insurance median (#23 of 501)
No single metric tells the full story. See the LTS:0U95 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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