Essent Group Ltd. (ESNT)
NYSEFinancialsInsurance - SpecialtySnapshot 2026-09-04
$69.18-0.65%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - SpecialtySnapshot 2026-09-04
QuarterlyIQ Insights · ESNT
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 13 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $69 ESNT trades at 1.1× p/b, below its 1.3× p/b peer median. Our $78 fair value sits above the price. It's a high-confidence read. Analysts target $62–$80. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| analyst target | 12M | $66.50 | — | — | Analyst | high |
| dcf fcfe | 12M | $205.72 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $206.53 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $25.83 | — | — | TTM | high |
| graham number | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Top 25% on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
$62.00 – $80.00 (median $66.50) · 4 analysts · as of 2026-08-10
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks cheaper than most peers in the same business.
Around its own typical valuation.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $99.99 |
| — |
| — |
| TTM |
| high |
| Peer P/B | 12M | $83.08 | 1.3 | 61.97 | TTM | high |
| Peer P/FCF | 12M | $99.97 | 11.1 | 9.04 | TTM | high |
| Peer P/E | 12M | $85.09 | 11.2 | 7.63 | ntm analyst | high |
| Peer P/S | 12M | $41.66 | 2.9 | 14.48 | TTM | high |
| PEG | 12M | $77.58 | 10.8 | 7.17 | TTM | high |
| residual income | 12M | $71.44 | — | — | TTM | high |
| Own P/E history | 12M | $63.01 | 8.8 | 7.17 | TTM | high |
| triangulated | 12M | $90.05 | 12.4 | 7.26 | Triangulated | high |
| Peer P/B | 3Y | $99.40 | 1.3 | 74.15 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $118.92 | 11.1 | 10.75 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $113.84 | 11.2 | 10.21 | Analyst | medium |
| Peer P/S | 3Y | $47.97 | 2.9 | 16.67 | Analyst | medium |
| PEG | 3Y | $110.45 | 10.8 | 10.21 | Analyst | medium |
| Own P/E history | 3Y | $89.72 | 8.8 | 10.21 | Analyst | medium |
| Peer P/B | 5Y | $112.03 | 1.3 | 83.57 | Hist. CAGR(prov.) | high |
| Peer P/FCF | 5Y | $133.51 | 11.1 | 12.07 | Hist. CAGR(prov.) | high |
| Peer P/E | 5Y | $124.79 | 11.2 | 11.19 | Analyst | high |
| Peer P/S | 5Y | $52.59 | 2.9 | 18.27 | Analyst | high |
| PEG | 5Y | $121.08 | 10.8 | 11.19 | Analyst | high |
| Own P/E history | 5Y | $98.35 | 8.8 | 11.19 | Analyst | high |