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

Over the past 12 months, KFFB has significantly outperformed ESNT, delivering a return of +57% compared to the ESNT's +8% growth.

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

KFFB Intrinsic Value
2.6671 USD
Overvaluation 45%
Intrinsic Value
Price
ESNT Intrinsic Value
85.6 USD
Undervaluation 29%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Kentucky First Federal Bancorp
NASDAQ:KFFB
4.8745 USD
Essent Group Ltd
NYSE:ESNT
60.9 USD
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
KFFB, ESNT

KFFB
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
Kentucky First Federal Bancorp
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
KFFB, ESNT

KFFB
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
Kentucky First Federal Bancorp
NASDAQ:KFFB
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

KFFB
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Kentucky First Federal Bancorp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Operating Margin

KFFB
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Kentucky First Federal Bancorp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Net Margin

KFFB
5.7%
ESNT
55.6%

FCF Margin

KFFB
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Kentucky First Federal Bancorp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROE

KFFB
1.1%
ESNT
12.4%

ROA

KFFB
0.1%
ESNT
9.7%

ROIC

KFFB
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Kentucky First Federal Bancorp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

ROCE

KFFB
ESNT
LTM 3Y Avg 5Y Avg 10Y Avg
Kentucky First Federal Bancorp
Not applicable for financial companies
Essent Group Ltd
Not applicable for financial companies

Solvency Comparison

Kentucky First Federal Bancorp
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
KFFB, ESNT

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ESNT
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Performance Gap
KFFB, ESNT

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KFFB
ESNT
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
KFFB, ESNT

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ESNT
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