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Essent GroupFRA:EG0 +0.85%90 5-Year Yield-on-Cost % is 3.87 as of Aug. 15, 2026, which is 5% above its 10-year median of 3.70. 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 420 Insurance companies, Essent Group ranks better than 50.24% on this metric.
Essent Group's yield on cost for the quarter that ended in Jun. 2026 was 3.87.
The historical rank and industry rank for Essent Group's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:EG0'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.54 Med: 3.7 Max: 4.71
Current: 3.87
During the past 13 years, Essent Group's highest Yield on Cost was 4.71. The lowest was 0.54. And the median was 3.70.
FRA:EG0's 5-Year Yield-on-Cost % is ranked better than 50.24% of 420
companies
in the Insurance industry
Industry Median: 3.845
vs FRA:EG0: 3.87
Essent Group (FRA:EG0) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Essent Group 5-Year Yield-on-Cost % Related Terms
FRA:EG0 vs MTG, ACT, RYAN: 5-Year Yield-on-Cost % Comparison
For the Insurance - Specialty subindustry, Essent Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Essent Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Essent Group's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Essent Group is calculated as
Essent Group (FRA:EG0) has a 5-Year Yield-on-Cost % of 3.87 as of Aug. 15, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Essent Group and its competitors. This is near median its historical median of 3.70. Over the past decade, Essent Group's 5-Year Yield-on-Cost % has ranged from 0.54 to 4.71. According to the industry distribution chart, Essent Group ranks #209 out of 420 companies in the Insurance industry, placing it in the top 49.8%.
Is Essent Group's 5-Year Yield-on-Cost % too high?
Essent Group's current 5-Year Yield-on-Cost % of 3.87 is near median its 10-year median of 3.70. Over the past 10 years, this metric has ranged from a low of 0.54 to a high of 4.71. The Insurance industry median 5-Year Yield-on-Cost % is 3.85. Essent Group's value of 3.87 is 0.7% above this industry median. Based on the distribution chart, Essent Group ranks #209 out of 420 companies in the Insurance industry, which is above the industry midpoint. 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 5-Year Yield-on-Cost % compare to MTG and ACT?
According to the Insurance industry distribution chart, Essent Group ranks #209 out of 420 companies for 5-Year Yield-on-Cost %. This puts Essent Group in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.85. Essent Group's value of 3.87 is 0.7% above this benchmark. Historically, Essent Group's own 5-Year Yield-on-Cost % has ranged from 0.54 to 4.71 over the past decade. While the company's 10-year median is 3.70 vs. the industry median of 3.85, 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.85, based on 420 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Essent Group's current 5-Year Yield-on-Cost % of 3.87 is 0.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Essent Group and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Essent Group's current 5-Year Yield-on-Cost % is 3.87, which is near median its own 10-year median of 3.70. 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 5-Year Yield-on-Cost % is 3.87, which is near median its 10-year median of 3.70 and 0.7% above the Insurance industry median of 3.85. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Essent Group (FRA:EG0), the current 5-Year Yield-on-Cost % is 3.87 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 (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:
5-Year Yield-on-Cost %: 3.87 (near median its 10-year median of 3.70)
GF Value™: €61.26 vs. price of €59.50 (2.9% below fair value)
Industry Position: 0.7% above the Insurance median (#209 of 420)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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