Essent vs Stewart Information Services
ESNT and STC 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 STC compare
Essent is the larger company, worth 4.4 times as much as Stewart Information Services ($5.8B against $1.3B).
On earnings, Essent is cheaper: it trades at 8.8× trailing earnings, against 10.7× for Stewart Information Services.
Stewart Information Services grew revenue faster over the last twelve months (20.5% versus 9.6% for Essent).
Essent keeps more of each dollar of sales as profit, with a net margin of 49.1% compared with 3.6% at Stewart Information Services.
Both pay dividends: Essent yields 1.6% and Stewart Information Services 5.0%.
Stewart Information Services scores higher on the StockData Score (15 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 | STC |
|---|---|---|
| Size and price | ||
| Market cap | $5.8B | $1.3B |
| Share price | $64.58 | $42.82 |
| Change, 1 year | 5.0% | −40.8% |
| Change, 5 years | 42.4% | −45.1% |
| Beta (5Y) | 0.76 | 0.85 |
| Employees | 514 | 7,800 |
| StockData Score | ||
| Total score | 10 | 15 (better) |
| Valuation score | 3 | 6 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 3 (better) | 1 |
| Health score | 0 | 0 |
| Dividend score | 4 | 6 (better) |
| Valuation | ||
| P/E | 8.8× (better) | 10.7× |
| P/S | 4.2× | 0.4× (better) |
| P/B | 1.0× | 0.8× (better) |
| EV/EBITDA | 6.6× | 4.5× (better) |
| P/FCF | 6.8× (better) | 12.8× |
| FCF yield | 14.7% (better) | 7.8% |
| Fair value | $76.31 | $67.94 |
| Margin of safety | 15.4% | 37.0% (better) |
| Growth | ||
| Revenue growth (TTM) | 9.6% | 20.5% (better) |
| Revenue growth, 5Y average | 5.7% (better) | 5.0% |
| Net income growth (TTM) | −3.3% | 18.4% (better) |
| EPS growth (TTM) | 6.6% | 11.1% (better) |
| EPS growth, 5Y average | 12.2% (better) | −8.2% |
| Profitability | ||
| Net margin | 49.1% (better) | 3.6% |
| FCF margin | 61.6% (better) | 3.0% |
| Return on equity | 12.0% (better) | 7.7% |
| Financial health | ||
| Altman Z-score | 2.97 (better) | 2.01 |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.6% | 5.0% (better) |
| Payout ratio | 18.4% | 54.3% |
| Years of dividend growth | 6 (better) | 5 |
| Dividend growth, 5Y average | 14.1% (better) | 11.3% |
| Buyback yield | 9.7% (better) | 0.44% |
| Shareholder yield | 11.3% (better) | 5.4% |
| Ownership | ||
| Held by institutions | 96.7% | 98.1% |
| Held by insiders | 3.7% | 2.1% |
| Insider net buying, 12 months | −$19.9M | −$171K (better) |
| Short interest, % of float | 4.0% | 4.3% |
Go deeper
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
- STC stock overview
- STC income statement
- STC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.