Is ESNT or FNF more undervalued in 2026?

CirclFi compares Essent Group Ltd. (ESNT) and Fidelity National Financial, In (FNF) using 13 institutional-grade valuation models. ESNT has a Quality of Company score of 9.0/10 while FNF scores 8.6/10.

Which is a better buy — ESNT or FNF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ESNT and FNF valuations compare?

ESNT at $58.34 and FNF at $47.56 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ESNT vs FNF Valuation Comparison 2026 — Intrinsic Value Analysis

ESNT

Insurance - Specialty

Essent Group Ltd.

Quality

9.0

out of 10

Value Trap

SAFE

Price

$58.34

Last close

Models

12/13

Active

FNF

Insurance - Specialty

Fidelity National Financial, In

Quality

8.6

out of 10

Value Trap

LOW

Price

$47.56

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	ESNT Fair Value	ESNT Upside	FNF Fair Value	FNF Upside
Bayesian DCF	Intrinsic	$130.74	+124.1%	—	—
Earnings Power Value	Intrinsic	$54.56	-6.5%	$53.40	+12.3%
EROIC Spread	Intrinsic	$59.91	+2.7%	$36.16	-24.0%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ESNT vs FNF — Which Stock Is More Undervalued?

ESNT scores higher with a 9.0/10 quality rating vs FNF's 8.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Essent Group Ltd. (ESNT) and Fidelity National Financial, In (FNF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ESNT currently trades at $58.34 with a QOC of 9.0/10, while FNF trades at $47.56 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).