ESNT
Essent Group Ltd.
ESNT has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over ESNT overall, supported by stronger fundamentals and stronger valuation.
ESNT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
ESNT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ESNT.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
ESNT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.7x | $41.50 | -36% |
| Fair | 8.4x | $61.43 | -5.3% |
| Forward | 8.6x | $64.89 | — |
| Current | 8.9x | $64.89 | — |
| Expensive | 9.5x | $69.56 | +7.2% |
Historical ranges are pointers, not guarantees.
ESNT has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
ESNT Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ESNT, but weaker profitability.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over ESNT on the outlook, with more favorable profitability expectations.
ESNT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.56 | +3.1% |
| Q3 2026 | $7.33 | +6.5% |
| Q2 2026 | $7.18 | +4.7% |
| Q1 2026 | $7.03 | +2.8% |
| Q4 2025 | $6.90 | +0.7% |
| Q3 2025 | $6.88 | -0.3% |
| Q2 2025 | $6.86 | -0.7% |
| Q1 2025 | $6.84 | +3.5% |
| Q4 2024 | $6.85 | +5.4% |
ESNT earned $7.33 per share over the past year, up 6.5% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over ESNT on earnings, with more consistent year-over-year improvement.
ESNT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $374.2M | +20% |
| Q2 2026 | $362.7M | +14% |
| Q1 2026 | $336.1M | +5.8% |
| Q4 2025 | $312.4M | -0.8% |
| Q3 2025 | $311.8M | -1.5% |
| Q2 2025 | $319.1M | +2% |
| Q1 2025 | $317.6M | +6.4% |
| Q4 2024 | $315M | +6% |
ESNT's revenue is growing: $374M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 53% | -11 points |
| Q2 2026 | 64% | -8.9 points |
| Q1 2026 | 62% | -3.7 points |
| Q4 2025 | 59% | -2.8 points |
| Q3 2025 | 64% | -1.7 points |
| Q2 2025 | 72% | -4 points |
| Q1 2025 | 65% | -6.5 points |
| Q4 2024 | 62% | -6.4 points |
ESNT has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over ESNT on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
ESNT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $237.9M | +13% |
| Q2 2026 | $196.1M | +3.9% |
| Q1 2026 | $191.2M | -14% |
| Q4 2025 | $228M | +0.9% |
| Q3 2025 | $210.6M | -7.9% |
| Q2 2025 | $188.8M | +0.6% |
| Q1 2025 | $221.3M | +4.2% |
| Q4 2024 | $226M | +5.9% |
ESNT has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
ESNT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -1.6M shares |
| 1 year | -8.9% | -8.7M shares |
| 3 years | -16% | -17.3M shares |
| 5 years | -19% | -21.6M shares |
| Available history | -8.7% | -8.6M shares |
ESNT has the edge over GS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $74.5M |
| Q2 2026 | $191.8M |
| Q1 2026 | $170.9M |
| Q4 2025 | $126.2M |
| Q3 2025 | $122.1M |
| Q2 2025 | $170.5M |
| Q1 2025 | $168.9M |
| Q4 2024 | $66.3M |
ESNT spent $563M buying back its own shares over the past year, up 6.7% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has 301M diluted shares, down 4.4% from a year ago, with $15B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
ESNT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.4x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.5x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | 0.4x | Very low |
ESNT's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like ESNT.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over ESNT on leverage, with a lower net debt burden relative to earnings.
ESNT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 55.2 | Neutral |
ESNT's weekly RSI is 51 (neutral) and its Stochastic is 55 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
ESNT PE vs Financial Services Sector
| Metric | ESNT | Sector median | Relative |
|---|---|---|---|
| PE | 8.9x | 13x | 32% below |
| PE % | 64 | 63 | 1 pt above |
ESNT has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
ESNT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.2 | 1.1% above |
| 20 week MA | $66.0 | 1.7% below |
| 50 week MA | $63.2 | 2.7% above |
| 100 week MA | $60.9 | 6.5% above |
| 200 week MA | $56.4 | 15% above |
ESNT has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
ESNT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $52.3 | $43.9 | -16% |
| 2021 | $43.9 | $44.5 | +1.3% |
| 2022 | $44.5 | $39.0 | -12% |
| 2023 | $39.0 | $52.7 | +35% |
| 2024 | $52.7 | $54.1 | +2.5% |
| 2025 | $54.1 | $65.9 | +22% |
| 2026 YTD | $65.9 | $64.9 | -1.5% |
ESNT has finished higher in four of the last six years. It's down 1.5% so far in 2026.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has the edge over ESNT on returns for 2026, with the stronger performance.