StockData

Essent vs Radian

ESNT and RDN 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 RDN compare

Essent is the larger company, worth 1.2 times as much as Radian ($5.8B against $4.8B).

On earnings, Essent is cheaper: it trades at 8.8× trailing earnings, against 9.0× for Radian.

Radian grew revenue faster over the last twelve months (65.3% versus 9.6% for Essent).

Essent keeps more of each dollar of sales as profit, with a net margin of 49.1% compared with 28.4% at Radian.

Both pay dividends: Essent yields 1.6% and Radian 2.8%.

Radian 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.

MetricESNTRDN
Size and price
Market cap$5.8B$4.8B
Share price$64.58$36.59
Change, 1 year5.0%3.4%
Change, 5 years42.4%70.6%
Beta (5Y)0.760.64
Employees514900
StockData Score
Total score1014 (better)
Valuation score34 (better)
Growth score01 (better)
Performance score33
Health score02 (better)
Dividend score44
Valuation
P/E8.8× (better)9.0×
P/S4.2×2.5× (better)
P/B1.0×1.0× (better)
EV/EBITDA6.6×–
P/FCF6.8×3.4× (better)
FCF yield14.7%29.2% (better)
Fair value$76.31$42.19
Margin of safety15.4% (better)13.3%
Growth
Revenue growth (TTM)9.6%65.3% (better)
Revenue growth, 5Y average5.7% (better)−3.6%
Net income growth (TTM)−3.3%−3.1% (better)
EPS growth (TTM)6.6% (better)1.7%
EPS growth, 5Y average12.2%15.7% (better)
Profitability
Net margin49.1% (better)28.4%
FCF margin61.6%71.8% (better)
Return on equity12.0% (better)12.0%
Financial health
Debt / equity–0.12
Altman Z-score2.97 (better)1.42
Piotroski F-score5 (better)4
Dividends and buybacks
Dividend yield1.6%2.8% (better)
Payout ratio18.4%25.3%
Years of dividend growth6 (better)4
Dividend growth, 5Y average14.1%–
Buyback yield9.7% (better)5.3%
Shareholder yield11.3% (better)8.1%
Ownership
Held by institutions96.7%93.7%
Held by insiders3.7%1.8%
Insider net buying, 12 months−$19.9M$1.1M (better)
Short interest, % of float4.0%6.2%

Go deeper

For information only, not investment advice. Check the source filings before relying on any figure.