Essent Group (NYSE:ESNT – Get Free Report) and Corpay (NYSE:CPAY – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, analyst recommendations, earnings, institutional ownership and dividends.
Profitability
This table compares Essent Group and Corpay’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Essent Group | 51.45% | 11.91% | 9.09% |
| Corpay | 22.72% | 42.18% | 6.34% |
Analyst Ratings
This is a summary of recent ratings and recommmendations for Essent Group and Corpay, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Essent Group | 0 | 6 | 3 | 0 | 2.33 |
| Corpay | 0 | 3 | 12 | 0 | 2.80 |
Institutional and Insider Ownership
93.0% of Essent Group shares are owned by institutional investors. Comparatively, 98.8% of Corpay shares are owned by institutional investors. 3.6% of Essent Group shares are owned by insiders. Comparatively, 5.2% of Corpay shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Valuation & Earnings
This table compares Essent Group and Corpay”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Essent Group | $1.35 billion | 4.07 | $689.97 million | $7.17 | 8.53 |
| Corpay | $4.53 billion | 5.83 | $1.07 billion | $16.43 | 24.47 |
Corpay has higher revenue and earnings than Essent Group. Essent Group is trading at a lower price-to-earnings ratio than Corpay, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
Essent Group has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500. Comparatively, Corpay has a beta of 0.89, indicating that its stock price is 11% less volatile than the S&P 500.
Summary
Corpay beats Essent Group on 11 of the 14 factors compared between the two stocks.
About Essent Group
Essent Group Ltd., through its subsidiaries, provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. Its mortgage insurance products include primary, pool, and master policy. The company also provides information technology maintenance and development services; customer support-related services; underwriting consulting; and contract underwriting services, as well as risk management products and title insurance and settlement services. It serves the originators of residential mortgage loans, such as regulated depository institutions, mortgage banks, credit unions, and other lenders. Essent Group Ltd. was incorporated in 2008 and is based in Hamilton, Bermuda.
About Corpay
Volatus is a leader in innovative global aerial solutions for intelligence and cargo. With over 100 years of combined institutional knowledge in aviation, Volatus provides comprehensive solutions using both piloted and remotely piloted aircraft systems for a wide array of industries, including oil and gas, energy utilities, healthcare, public safety, and infrastructure. The Company is committed to enhancing operational efficiency, safety, and sustainability through cutting-edge aerial technologies.
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