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