` Comparison: PPM, ESNT - Alpha Spread

PPM
vs
ESNT

Over the past 12 months, PPM has significantly outperformed ESNT, delivering a return of +41% compared to the ESNT's +16% growth.

Valuation Growth Profitability Solvency Stocks Performance
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PPM
ESNT
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Stocks Compared:
PPM ESNT
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Valuation Comparison

PPM Intrinsic Value
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ESNT Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Pepper Money Ltd
ASX:PPM
2.06 AUD
Essent Group Ltd
NYSE:ESNT
63.94 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
PPM, ESNT

PPM
ESNT
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Pepper Money Ltd
Revenue
Essent Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
PPM, ESNT

PPM
ESNT
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Pepper Money Ltd
ASX:PPM
Essent Group Ltd
NYSE:ESNT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

PPM
30.3%
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd
Not applicable for financial companies

Operating Margin

PPM
11.6%
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd
Not applicable for financial companies

Net Margin

PPM
6.6%
ESNT
55.6%
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd

FCF Margin

PPM
90.9%
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd
Not applicable for financial companies

ROE

PPM
12.1%
ESNT
12.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd

ROA

PPM
0.6%
ESNT
9.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd

ROIC

PPM
0.7%
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd
Not applicable for financial companies

ROCE

PPM
1%
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Pepper Money Ltd
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
PPM, ESNT

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ESNT
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Performance Gap
PPM, ESNT

Performance Gap Between PPM and ESNT
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Performance By Year
PPM, ESNT

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PPM
ESNT
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