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Essent Group Ltd. (ESNT) vs Ryan Specialty Holdings Inc. (RYAN)

Essent Group Ltd. and Ryan Specialty Holdings Inc. are both Insurance Specialty companies. Ryan Specialty Holdings Inc. is the larger, with a market value of $10.2B against $5.7B — 1.8× the size. Essent Group Ltd. trades at the lower P/E: 8.9× against 52.9×. Ryan Specialty Holdings Inc. grew revenue faster over the last twelve months: 14.4% against 4.31%. Essent Group Ltd. has the higher net margin (51.5% vs 3.08%) and the higher return on invested capital (8.77% vs 6.62%). Both pay a dividend; Essent Group Ltd. yields more (2.10% vs 1.25%). Across the 21 metrics below, Essent Group Ltd. leads on 16 and Ryan Specialty Holdings Inc. on 5.

Valuation

Metric ESNT RYAN Insurance Specialty median
P/E 8.95 52.92 8.97
P/S 4.44 1.59 1.87
P/B 1.04 5.02 1.15
Price to free cash flow 7.11 10.36 8.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.17% 1.89% 10.57%
Free cash flow yield 14.07% 9.65% 12.08%

Profitability

Metric ESNT RYAN Insurance Specialty median
Gross margin 64.51% 100.00% 73.81%
Operating margin 64.51% 14.83% 17.70%
Net margin 51.45% 3.08% 13.80%
Free cash flow margin 62.43% 15.31% 34.47%
Return on equity 12.01% 9.01% 12.01%
Return on assets 9.19% 0.88% 4.12%
Return on invested capital 8.77% 6.62% 8.77%

Growth

Metric ESNT RYAN Insurance Specialty median
Revenue growth (TTM) 4.31% 14.36% 7.53%
EPS growth (last fiscal year) 0.73% (33.80%) 5.61%
Revenue growth, 5-year CAGR 5.71% 24.54% 2.24%
Net income growth, 5-year CAGR 10.81% (1.42%) 0.00%

Health

Metric ESNT RYAN Insurance Specialty median
Debt to equity 0.09 3.58 0.15
Current ratio 0.31 1.00 0.53
Net debt to EBITDA 0.43 4.00 0.28

Dividend

Metric ESNT RYAN Insurance Specialty median
Dividend yield 2.10% 1.25% 2.09%
Payout ratio 0.19 0.71 0.20

Size

Metric ESNT RYAN Insurance Specialty median
Market cap 5.73b 10.24b 3.07b

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