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Essent Group Ltd. (ESNT) vs Fidelity National Financial, Inc. (FNF)

Essent Group Ltd. and Fidelity National Financial, Inc. are both Insurance Specialty companies. Fidelity National Financial, Inc. is the larger, with a market value of $11.5B against $6.2B — 1.9× the size. Essent Group Ltd. trades at the lower P/E: 9.5× against 15.2×. Fidelity National Financial, Inc. grew revenue faster over the last twelve months: 13.0% against 4.31%. Essent Group Ltd. has the higher net margin (51.5% vs 5.03%) and the lower return on invested capital (8.77% vs 11.3%). Both pay a dividend; Fidelity National Financial, Inc. yields more (4.80% vs 1.98%). Across the 21 metrics below, Essent Group Ltd. leads on 14 and Fidelity National Financial, Inc. on 7.

Valuation

Metric ESNT FNF Insurance Specialty median
P/E 9.49 15.17 9.49
P/S 4.71 0.75 1.69
P/B 1.10 1.30 1.23
Price to free cash flow 7.54 2.11 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.54% 6.59% 10.48%
Free cash flow yield 13.27% 47.31% 10.87%

Profitability

Metric ESNT FNF Insurance Specialty median
Gross margin 64.51% 55.91% 56.22%
Operating margin 64.51% 12.91% 15.19%
Net margin 51.45% 5.03% 13.80%
Free cash flow margin 62.43% 35.34% 34.47%
Return on equity 12.01% 8.76% 12.01%
Return on assets 9.19% 0.71% 3.55%
Return on invested capital 8.77% 11.32% 9.88%

Growth

Metric ESNT FNF Insurance Specialty median
Revenue growth (TTM) 4.31% 13.03% 7.68%
EPS growth (last fiscal year) 0.73% (50.71%) 8.65%
Revenue growth, 5-year CAGR 5.71% 6.03% 2.24%
Net income growth, 5-year CAGR 10.81% (15.85%) 0.00%

Health

Metric ESNT FNF Insurance Specialty median
Debt to equity 0.09 0.50 0.16
Current ratio 0.31 0.25 0.52
Net debt to EBITDA 0.43 0.71 0.28

Dividend

Metric ESNT FNF Insurance Specialty median
Dividend yield 1.98% 4.80% 2.06%
Payout ratio 0.19 0.73 0.19

Size

Metric ESNT FNF Insurance Specialty median
Market cap 6.17b 11.50b 3.31b

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