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Screener Weekly Summary Pricing

Essent Group Ltd. (ESNT) vs First American Financial Corporation (FAF)

Essent Group Ltd. and First American Financial Corporation are both Insurance Specialty companies. First American Financial Corporation is the larger, with a market value of $6.7B against $5.8B — 1.2× the size. Essent Group Ltd. trades at the lower P/E: 8.8× against 9.2×. First American Financial Corporation grew revenue faster over the last twelve months: 22.6% against 4.31%. Essent Group Ltd. has the higher net margin (51.5% vs 9.33%) and the lower return on invested capital (8.77% vs 17.0%). Both pay a dividend; First American Financial Corporation yields more (3.59% vs 1.89%). Across the 23 metrics below, Essent Group Ltd. leads on 12 and First American Financial Corporation on 11.

Valuation

Metric ESNT FAF Insurance Specialty median
P/E 8.81 9.15 9.15
P/S 4.37 0.85 1.84
P/B 1.02 1.20 1.16
Price to free cash flow 7.00 8.16 8.16
EV/EBITDA 7.60 4.07 7.51
EV/Sales 5.01 0.72 2.17
Earnings yield 11.34% 10.93% 10.79%
Free cash flow yield 14.28% 12.25% 11.79%

Profitability

Metric ESNT FAF Insurance Specialty median
Gross margin 64.51% 100.00% 73.81%
Operating margin 64.51% 15.52% 17.70%
Net margin 51.45% 9.33% 13.80%
Free cash flow margin 62.43% 10.44% 34.47%
Return on equity 12.01% 13.81% 12.01%
Return on assets 9.19% 4.23% 4.12%
Return on invested capital 8.77% 16.97% 8.77%

Growth

Metric ESNT FAF Insurance Specialty median
Revenue growth (TTM) 4.31% 22.55% 7.53%
EPS growth (last fiscal year) 0.73% 376.19% —
Revenue growth, 5-year CAGR 5.71% 1.01% 2.24%
Net income growth, 5-year CAGR 10.81% (2.23%) 0.00%

Health

Metric ESNT FAF Insurance Specialty median
Debt to equity 0.09 0.27 0.15
Current ratio 0.31 1.18 0.53
Net debt to EBITDA 0.43 0.13 0.28

Dividend

Metric ESNT FAF Insurance Specialty median
Dividend yield 1.89% 3.59% 2.60%
Payout ratio 0.15 0.90 0.21

Size

Metric ESNT FAF Insurance Specialty median
Market cap 5.78b 6.70b 3.13b

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