ESNT vs PCTY

Comparison between Essent Group Ltd (ESNT, Company) and Paylocity Holding Corp (PCTY, Company).

ESNT is from the Financial Services sector, while PCTY is from the Technology sector.

5-Year PerformanceESNT has outperformed PCTY, delivering a return of +7.1% compared to -6.9%

ESNT vs PCTY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ESNT(COMPANY)	PCTY(COMPANY)
Market Cap	$5.58B	$5.58B
Max Drawdown	64.94%	68.90%
Sharpe Ratio	0.12	-1.51
5Y Beta	0.51	0.69
Industry	Insurance - Specialty	Software - Application
P/E Ratio	8.42	21.85
Forward P/E	8.53	19.16
PEG Ratio	2.49	1.31
Dividend Yield	2.12%	N/A
5Y Dividends CAGR	19.96%	N/A
5Y EPS CAGR	14.95%	32.33%
Debt to Equity	0.00%	6.88%
Free Cash Flow Yield	14.67%	8.73%
P/S Ratio	4.43	3.23
P/B Ratio	1.04	5.03

Market Cap

ESNT

$5.58B

Winner

PCTY

$5.58B

Max Drawdown

Winner

ESNT

64.94%

PCTY

68.90%

Sharpe Ratio

Winner

ESNT

0.12

PCTY

-1.51

5Y Beta

Winner

ESNT

0.51

PCTY

0.69

Industry

ESNT

Insurance - Specialty

PCTY

Software - Application

P/E Ratio

Winner

ESNT

8.42

PCTY

21.85

Forward P/E

Winner

ESNT

8.53

PCTY

19.16

PEG Ratio

ESNT

2.49

Winner

PCTY

1.31

Dividend Yield

ESNT

2.12%

PCTY

N/A

5Y Dividends CAGR

ESNT

19.96%

PCTY

N/A

5Y EPS CAGR

ESNT

14.95%

Winner

PCTY

32.33%

Debt to Equity

Winner

ESNT

0.00%

PCTY

6.88%

Free Cash Flow Yield

Winner

ESNT

14.67%

PCTY

8.73%

P/S Ratio

ESNT

4.43

Winner

PCTY

3.23

P/B Ratio

Winner

ESNT

1.04

PCTY

5.03

ESNT vs PCTY - Historical Returns

Returns include dividend reinvestment.

Period	ESNT	PCTY
1 month	-2.90%	+9.77%
3 months	+1.65%	+4.62%
6 months	+0.70%	-21.41%
1 year	+4.53%	-43.50%
5 years(CAGR)	+7.06%	-6.95%
10 years(CAGR)	+13.36%	+12.52%
Max(CAGR)	+9.96%	+13.58%

ESNT

-2.90%

Winner

PCTY

+9.77%

ESNT

+1.65%

Winner

PCTY

+4.62%

Winner

ESNT

+0.70%

PCTY

-21.41%

Winner

ESNT

+4.53%

PCTY

-43.50%

5Y(CAGR)

Winner

ESNT

+7.06%

PCTY

-6.95%

10Y(CAGR)

Winner

ESNT

+13.36%

PCTY

+12.52%

Max(CAGR)

ESNT

+9.96%

Winner

PCTY

+13.58%

ESNT vs PCTY - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	ESNT	PCTY
2026	-5.34%	-22.29%
2025	+21.84%	-21.82%
2024	+4.90%	+22.52%
2023	+36.50%	-14.38%
2022	-12.97%	-16.21%
2021	+9.70%	+18.66%
2020	-14.46%	+62.42%
2019	+53.54%	+102.89%
2018	-22.02%	+26.15%
2017	+33.93%	+56.73%
2016	+50.98%	-22.17%
2015	-14.92%	+57.97%
2014	+10.01%	+8.61%
2013	+14.57%	N/A

ESNT vs PCTY Drawdown Comparison

The maximum drawdown for ESNT was -64.70%, occurring on Mar 18, 2020. Recovery took 926 trading sessions.

The maximum drawdown for PCTY was -68.90%, occurring on Apr 10, 2026. This drawdown has not yet recovered.

The current ESNT drawdown is -8.39%. The current PCTY drawdown is -62.97%.

Rank	ESNT	PCTY
#1	-64.70% Nov 27, 2019 - Aug 4, 2023	-68.90% Nov 1, 2021 - Apr 10, 2026
#2	-43.52% Jul 20, 2015 - Nov 10, 2016	-50.57% Feb 4, 2020 - Jul 1, 2020
#3	-37.27% Jan 23, 2018 - Sep 20, 2019	-45.55% Nov 19, 2015 - Aug 4, 2016
#4	-32.32% Feb 18, 2014 - May 8, 2015	-40.41% Mar 21, 2014 - Nov 7, 2014
#5	-18.35% Oct 17, 2024 - Aug 22, 2025	-36.70% Aug 8, 2016 - Jun 1, 2017
#6	-13.94% Dec 18, 2025 - Mar 20, 2026	-35.97% Sep 14, 2018 - Feb 19, 2019
#7	-13.06% Aug 7, 2023 - Dec 21, 2023	-26.96% Dec 23, 2020 - Aug 5, 2021
#8	-12.07% Mar 28, 2024 - Jul 15, 2024	-23.64% Nov 21, 2014 - Feb 19, 2015
#9	-11.04% Aug 7, 2017 - Oct 13, 2017	-22.59% Aug 5, 2015 - Nov 6, 2015
#10	-10.67% Apr 26, 2017 - Jul 7, 2017	-19.66% Oct 31, 2017 - Mar 12, 2018
#11	-10.20% Sep 18, 2025 - Dec 15, 2025	-17.47% Mar 20, 2015 - May 8, 2015
#12	-9.90% Nov 5, 2013 - Dec 20, 2013	-16.92% Jul 2, 2020 - Sep 28, 2020
#13	-9.29% Sep 20, 2019 - Oct 21, 2019	-15.07% Aug 27, 2019 - Nov 15, 2019
#14	-9.06% Oct 20, 2017 - Nov 16, 2017	-13.76% Jul 26, 2019 - Aug 9, 2019
#15	-7.97% Jan 30, 2024 - Mar 20, 2024	-13.09% May 16, 2019 - Jul 11, 2019