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Enact Holdings, Inc. (ACT) vs Essent Group Ltd. (ESNT)

Enact Holdings, Inc. and Essent Group Ltd. are both Insurance Specialty companies. Enact Holdings, Inc. and Essent Group Ltd. are of similar size ($6.3B and $5.7B). Essent Group Ltd. trades at the lower P/E: 8.9× against 9.7×. Essent Group Ltd. grew revenue faster over the last twelve months: 4.31% against 2.49%. Enact Holdings, Inc. has the higher net margin (54.5% vs 51.5%) and the higher return on invested capital (9.51% vs 8.77%). Both pay a dividend; Essent Group Ltd. yields more (2.10% vs 1.94%). Across the 21 metrics below, Essent Group Ltd. leads on 11 and Enact Holdings, Inc. on 10.

Valuation

Metric ACT ESNT Insurance Specialty median
P/E 9.70 8.95 8.97
P/S 5.15 4.44 1.87
P/B 1.20 1.04 1.15
Price to free cash flow 8.96 7.11 8.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.31% 11.17% 10.57%
Free cash flow yield 11.16% 14.07% 12.08%

Profitability

Metric ACT ESNT Insurance Specialty median
Gross margin 73.81% 64.51% 73.81%
Operating margin 73.11% 64.51% 17.70%
Net margin 54.51% 51.45% 13.80%
Free cash flow margin 57.50% 62.43% 34.47%
Return on equity 12.87% 12.01% 12.01%
Return on assets 9.95% 9.19% 4.12%
Return on invested capital 9.51% 8.77% 8.77%

Growth

Metric ACT ESNT Insurance Specialty median
Revenue growth (TTM) 2.49% 4.31% 7.53%
EPS growth (last fiscal year) 3.43% 0.73% 5.61%
Revenue growth, 5-year CAGR 2.24% 5.71% 2.24%
Net income growth, 5-year CAGR 12.73% 10.81% 0.00%

Health

Metric ACT ESNT Insurance Specialty median
Debt to equity 0.14 0.09 0.15
Current ratio 0.76 0.31 0.53
Net debt to EBITDA 0.18 0.43 0.28

Dividend

Metric ACT ESNT Insurance Specialty median
Dividend yield 1.94% 2.10% 2.09%
Payout ratio 0.19 0.19 0.20

Size

Metric ACT ESNT Insurance Specialty median
Market cap 6.28b 5.73b 3.07b

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