COMP <GO>
ESNT vs JPM // ALTMAN Z-SCORE & DEBT/EQUITY
Essent Group Ltd. (NYSE) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: ESNT 8
— JPM 4
■ METRIC PARITY
LAST: $67.60 (+3.00%) • MKT CAP: $6.08B
balance-sheet
—
LAST: $343.58 (+1.26%) • MKT CAP: $913.30B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ESNT VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ESNT | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.90% | 17.37% | -5.47 | JPM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 6.9x | 9.7x | -2.77 | ESNT | /valuation <GO> |
| Free Cash Flow Yield | 13.97% | -18.14% | +32.11 | ESNT | /fcf-yield <GO> |
| Operating Margin | 66.80% | 42.07% | +24.73 | ESNT | /operating-margins <GO> |
| Net Profit Margin | 54.70% | 32.63% | +22.07 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 1.50% | 13.53% | -12.03 | JPM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.01% | 1.96% | +0.05 | ESNT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 2/9 | +5.00 | ESNT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.84% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.1 | 55.1 | +5.00 | ESNT | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.00 | -0.04 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 8.2x | 13.6x | -5.37 | ESNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $6.08B | $913.30B | -$907.22B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ESNT REV | JPM REV | ESNT GROSS % | JPM GROSS % | ESNT FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.26B | $182.45B | — | — | $848.7M | -$147.78B |
| FY 2024 | $1.24B | $177.56B | — | — | $854.8M | -$42.01B |
| FY 2023 | $1.11B | $158.10B | — | — | $713.1M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ESNT // BETA 0.96
JPM // BETA 1.00