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Essent GroupFRA:EG0 +0.85%90 Net Margin % is 52.31% as of Jun. 2026, which is 17% below its 10-year median of 62.81. GuruFocus rates FRA:EG0 with a GF Score™ of 90/100 and a GF Value™ of €61.26 (Fairly Valued). The stock has 5 warning signs investors should review. Among 500 Insurance companies, Essent Group ranks better than 95.4% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Essent Group's Net Income for the
three
months ended in Jun. 2026 was €165 Mil. Essent Group's Revenue for the
three
months ended in Jun. 2026 was €315 Mil. Therefore, Essent Group's net margin for the quarter that ended in Jun. 2026 was 52.31%.
The historical rank and industry rank for Essent Group's Net Margin % or its related term are showing as below:
FRA:EG0'
s Net Margin % Range Over the Past 10 Years
Min: 43.24 Med: 62.81 Max: 81.64
Current: 50.92
FRA:EG0's Net Margin % is ranked better than 95.4% of 500
companies
in the Insurance industry
Industry Median: 9.05
vs FRA:EG0: 50.92
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Essent Group Net Margin % Related Terms
Essent Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Essent Group's Net 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.
FRA:EG0 vs MTG, ACT, RYAN: Net Margin % Comparison
For the Insurance - Specialty subindustry, Essent Group's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Essent Group's Net 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 (FRA:EG0) has a Net Margin % of 52.31% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Essent Group and its competitors. This is 17% below median its historical median of 62.81. Over the past decade, Essent Group's Net Margin % has ranged from 43.24 to 81.64. According to the industry distribution chart, Essent Group ranks #23 out of 500 companies in the Insurance industry, placing it in the top 4.6%.
Is Essent Group's Net Margin % too high?
Essent Group's current Net Margin % of 52.31% is 17% below median its 10-year median of 62.81. Over the past 10 years, this metric has ranged from a low of 43.24 to a high of 81.64. The Insurance industry median Net Margin % is 9.05. Essent Group's value of 52.31% is 478% above this industry median. Based on the distribution chart, Essent Group ranks #23 out of 500 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 90/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Essent Group's Net Margin % compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #23 out of 500 companies for Net Margin %. This places Essent Group in the top 5% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.05. Essent Group's value of 52.31% is 478% above this benchmark. Historically, Essent Group's own Net Margin % has ranged from 43.24 to 81.64 over the past decade. While the company's 10-year median is 62.81 vs. the industry median of 9.05, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.05, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current Net Margin % of 52.31% is 478% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Essent Group and its competitors. For the Insurance industry, the median Net Margin % is 9.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current Net Margin % is 52.31%, which is 17% below median its own 10-year median of 62.81. 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 (FRA:EG0) is currently considered Fairly Valued. The stock's GF Value™ is €61.26, compared to a current price of €59.50 — trading 2.9% below its estimated fair value. The current Net Margin % is 52.31%, which is 17% below median its 10-year median of 62.81 and 478% above the Insurance industry median of 9.05. Essent Group's overall GF Score™ is 90/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Essent Group (FRA:EG0), the current Net Margin % is 52.31% 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 (FRA:EG0) Overvalued in 2026?
Based on GuruFocus' analysis, Essent Group stock appears to be undervalued.
The current stock price of €59.50 is trading 2.9% below its estimated GF Value™ of €61.26.
GuruFocus considers Essent Group to be Fairly Valued.
Key valuation signals for FRA:EG0:
Net Margin %: 52.31% (17% below median its 10-year median of 62.81)
GF Value™: €61.26 vs. price of €59.50 (2.9% below fair value)
Industry Position: 478% above the Insurance median (#23 of 500)
No single metric tells the full story. See the FRA:EG0 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.
90GF Score
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