` Comparison: CFFN vs ESNT - Alpha Spread
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CFFN
vs
ESNT

Over the past 12 months, CFFN has outperformed ESNT, delivering a return of +24% compared to the ESNT's +5% growth.

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

CFFN 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
Capitol Federal Financial Inc
NASDAQ:CFFN
7.28 USD
Essent Group Ltd
NYSE:ESNT
59.78 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CFFN, ESNT

CFFN
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
Capitol Federal Financial Inc
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
CFFN, ESNT

CFFN
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
Capitol Federal Financial Inc
NASDAQ:CFFN
FCF is not applicable for financial companies
Essent Group Ltd
NYSE:ESNT
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

CFFN
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Capitol Federal Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Operating Margin

CFFN
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Capitol Federal Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Net Margin

CFFN
34.5%
ESNT
54.7%

FCF Margin

CFFN
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Capitol Federal Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROE

CFFN
7%
ESNT
12.1%

ROA

CFFN
0.8%
ESNT
9.5%

ROIC

CFFN
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Capitol Federal Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROCE

CFFN
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Capitol Federal Financial Inc
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

Capitol Federal Financial Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Essent Group Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
CFFN, ESNT

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CFFN
ESNT
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
CFFN, ESNT

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

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CFFN
ESNT
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