COMP <GO>
ESNT vs V // PIOTROSKI F-SCORE QUALITY
Essent Group Ltd. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: ESNT 6
— V 6
▲ PIOTROSKI F-SCORE QUALITY LEADER: V
LAST: $68.24 (+1.82%) • MKT CAP: $6.02B
piotroski-score
7/9
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
piotroski-score
9/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ESNT VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ESNT | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 32.30% | -20.40 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.9x | 28.9x | -22.00 | ESNT | /valuation <GO> |
| Free Cash Flow Yield | 13.97% | 2.90% | +11.07 | ESNT | /fcf-yield <GO> |
| Operating Margin | 66.80% | 60.00% | +6.80 | ESNT | /operating-margins <GO> |
| Net Profit Margin | 54.70% | 50.10% | +4.60 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 11.30% | -9.80 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.01% | 0.63% | +1.38 | ESNT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 7/9 | 9/9 | -2.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 67.7 | -10.70 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.06 | -0.10 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.2x | 34.0x | -25.80 | ESNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.02B | $738.98B | -$732.96B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ESNT REV | V REV | ESNT GROSS % | V GROSS % | ESNT FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $40.00B | — | — | $848.7M | $21.26B |
| FY 2024 | $1.24B | $35.93B | — | — | $854.8M | $18.33B |
| FY 2023 | $1.11B | $32.65B | — | — | $713.1M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ESNT // BETA 0.96
V // BETA 1.06