COMP <GO>
ESNT vs RLI // ENTERPRISE SCALE & MARKET CAP
Essent Group Ltd. (NYSE) VS. RLI Corp. (NYSE) • 15-METRIC TALLY: ESNT 6
— RLI 6
▲ ENTERPRISE SCALE & MARKET CAP LEADER: ESNT
LAST: $68.24 (+1.82%) • MKT CAP: $6.02B
market-cap
$6.02B
LAST: $67.24 (+3.08%) • MKT CAP: $5.98B
market-cap
$5.98B
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ESNT VS. RLI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ESNT | RLI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 13.50% | -1.60 | RLI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.9x | 14.2x | -7.30 | ESNT | /valuation <GO> |
| Free Cash Flow Yield | 13.97% | 10.27% | +3.70 | ESNT | /fcf-yield <GO> |
| Operating Margin | 66.80% | 26.10% | +40.70 | ESNT | /operating-margins <GO> |
| Net Profit Margin | 54.70% | 21.40% | +33.30 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 6.30% | -4.80 | RLI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.01% | 4.08% | -2.07 | RLI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 9/9 | -2.00 | RLI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 65.0 | -8.00 | RLI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.13 | -0.17 | RLI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.2x | 13.7x | -5.50 | ESNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap ACTIVE | $6.02B | $5.98B | $39.8M | ESNT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ESNT REV | RLI REV | ESNT GROSS % | RLI GROSS % | ESNT FCF | RLI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $1.88B | — | — | $848.7M | $608.7M |
| FY 2024 | $1.24B | $1.77B | — | — | $854.8M | $555.5M |
| FY 2023 | $1.11B | $1.51B | — | — | $713.1M | $396.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ESNT // BETA 0.96
RLI // BETA 1.13