Essent vs Old Republic International
ESNT and ORI side by side, both in insurance carriers. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ESNT and ORI compare
Old Republic International is the larger company, worth 1.5 times as much as Essent ($9.3B against $6.0B).
On earnings, Old Republic International is cheaper: it trades at 8.7× trailing earnings, against 9.3× for Essent.
Old Republic International grew revenue faster over the last twelve months (12.5% versus 4.3% for Essent).
Essent keeps more of each dollar of sales as profit, with a net margin of 51.5% compared with 11.2% at Old Republic International.
Both pay dividends: Essent yields 1.6% and Old Republic International 3.2%.
Old Republic International scores higher on the StockData Score (14 against 10 for Essent), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ESNT | ORI |
|---|---|---|
| Size and price | ||
| Market cap | $6.0B | $9.3B |
| Share price | $67.02 | $38.52 |
| Change, 1 year | 12.3% | 0.31% |
| Change, 5 years | 39.1% | 49.3% |
| Beta (5Y) | 0.75 | 0.52 |
| Employees | 514 | 9,000 |
| StockData Score | ||
| Total score | 10 | 14 (better) |
| Valuation score | 3 | 4 (better) |
| Growth score | 0 | 3 (better) |
| Performance score | 3 | 5 (better) |
| Health score | 0 | 0 |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 9.3× | 8.7× (better) |
| P/S | 4.6× | 0.9× (better) |
| P/B | 1.1× (better) | 1.6× |
| EV/EBITDA | 6.9× | – |
| P/FCF | 7.3× | – |
| PEG | – | 0.48 |
| FCF yield | 13.7% | – |
| Fair value | $75.03 | $41.46 |
| Margin of safety | 10.7% (better) | 7.1% |
| Growth | ||
| Revenue growth (TTM) | 4.3% | 12.5% (better) |
| Revenue growth, 5Y average | 5.7% (better) | 5.0% |
| Net income growth (TTM) | −4.8% | 32.1% (better) |
| EPS growth (TTM) | 4.7% | 33.7% (better) |
| EPS growth, 5Y average | 12.2% | 14.7% (better) |
| Profitability | ||
| Net margin | 51.5% (better) | 11.2% |
| FCF margin | 62.4% | – |
| Return on equity | 12.0% | 17.9% (better) |
| Financial health | ||
| Altman Z-score | 3.07 (better) | 0.80 |
| Piotroski F-score | 5 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 3.2% (better) |
| Payout ratio | 18.2% | 83.2% |
| Years of dividend growth | 6 (better) | 2 |
| Dividend growth, 5Y average | 14.1% | 14.7% (better) |
| Buyback yield | 10.1% (better) | 3.9% |
| Shareholder yield | 11.7% (better) | 7.1% |
| Ownership | ||
| Held by institutions | 96.7% | 77.2% |
| Held by insiders | 3.7% | 0.40% |
| Insider net buying, 12 months | −$16.8M | −$2.4M (better) |
| Short interest, % of float | 3.9% | 4.6% |
Go deeper
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
- ORI stock overview
- ORI income statement
- ORI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.