COMP <GO>
ESNT vs AXS // ALTMAN Z-SCORE & DEBT/EQUITY
Essent Group Ltd. (NYSE) VS. Axis Capital Holdings Limited (NYSE) • 15-METRIC TALLY: ESNT 7
— AXS 5
■ METRIC PARITY
LAST: $68.24 (+1.82%) • MKT CAP: $6.02B
balance-sheet
—
LAST: $106.60 (+1.65%) • MKT CAP: $7.52B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ESNT VS. AXS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ESNT | AXS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 5.60% | +6.30 | ESNT | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.9x | 12.4x | -5.50 | ESNT | /valuation <GO> |
| Free Cash Flow Yield | 13.97% | -4.56% | +18.53 | ESNT | /fcf-yield <GO> |
| Operating Margin | 66.80% | 18.80% | +48.00 | ESNT | /operating-margins <GO> |
| Net Profit Margin | 54.70% | 15.40% | +39.30 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 10.20% | -8.70 | AXS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.01% | 1.93% | +0.08 | ESNT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 4/9 | +3.00 | ESNT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 64.9 | -7.90 | AXS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.98 | -0.02 | AXS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.2x | 6.8x | +1.40 | AXS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.02B | $7.52B | -$1.50B | AXS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ESNT REV | AXS REV | ESNT GROSS % | AXS GROSS % | ESNT FCF | AXS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $6.56B | — | — | $848.7M | -$336.3M |
| FY 2024 | $1.24B | $5.96B | — | — | $854.8M | $1.58B |
| FY 2023 | $1.11B | $5.64B | — | — | $713.1M | $1.00B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ESNT // BETA 0.96
AXS // BETA 0.98