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.
| Metric | ESNT | RDN |
|---|---|---|
| Size and price | ||
| Market cap | $5.8B | $4.8B |
| Share price | $64.58 | $36.59 |
| Change, 1 year | 5.0% | 3.4% |
| Change, 5 years | 42.4% | 70.6% |
| Beta (5Y) | 0.76 | 0.64 |
| Employees | 514 | 900 |
| StockData Score | ||
| Total score | 10 | 14 (better) |
| Valuation score | 3 | 4 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 3 | 3 |
| Health score | 0 | 2 (better) |
| Dividend score | 4 | 4 |
| Valuation | ||
| P/E | 8.8× (better) | 9.0× |
| P/S | 4.2× | 2.5× (better) |
| P/B | 1.0× | 1.0× (better) |
| EV/EBITDA | 6.6× | – |
| P/FCF | 6.8× | 3.4× (better) |
| FCF yield | 14.7% | 29.2% (better) |
| Fair value | $76.31 | $42.19 |
| Margin of safety | 15.4% (better) | 13.3% |
| Growth | ||
| Revenue growth (TTM) | 9.6% | 65.3% (better) |
| Revenue growth, 5Y average | 5.7% (better) | −3.6% |
| Net income growth (TTM) | −3.3% | −3.1% (better) |
| EPS growth (TTM) | 6.6% (better) | 1.7% |
| EPS growth, 5Y average | 12.2% | 15.7% (better) |
| Profitability | ||
| Net margin | 49.1% (better) | 28.4% |
| FCF margin | 61.6% | 71.8% (better) |
| Return on equity | 12.0% (better) | 12.0% |
| Financial health | ||
| Debt / equity | – | 0.12 |
| Altman Z-score | 2.97 (better) | 1.42 |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 2.8% (better) |
| Payout ratio | 18.4% | 25.3% |
| Years of dividend growth | 6 (better) | 4 |
| Dividend growth, 5Y average | 14.1% | – |
| Buyback yield | 9.7% (better) | 5.3% |
| Shareholder yield | 11.3% (better) | 8.1% |
| Ownership | ||
| Held by institutions | 96.7% | 93.7% |
| Held by insiders | 3.7% | 1.8% |
| Insider net buying, 12 months | −$19.9M | $1.1M (better) |
| Short interest, % of float | 4.0% | 6.2% |
Go deeper
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
- RDN stock overview
- RDN income statement
- RDN valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.