ESNT vs TERN

Comparison between Essent Group Ltd (ESNT, Company) and Terns Pharmaceuticals Inc (TERN, Company).

ESNT is from the Financial Services sector, while TERN is from the Healthcare sector.

5-Year PerformanceTERN has outperformed ESNT, delivering a return of +25.4% compared to +10.2%

ESNT vs TERN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ESNT(COMPANY)	TERN(COMPANY)
Market Cap	$5.96B	$5.95B
Max Drawdown	64.94%	94.50%
Sharpe Ratio	0.40	3.07
5Y Beta	0.47	N/A
Industry	Insurance - Specialty	Biotechnology
P/E Ratio	9.01	-50.88
Forward P/E	8.98	N/A
PEG Ratio	2.67	N/A
Dividend Yield	1.98%	N/A
5Y Dividends CAGR	10.26%	N/A
5Y EPS CAGR	14.95%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	13.72%	-1.38%
P/S Ratio	4.62	N/A
P/B Ratio	1.05	N/A

Market Cap

Winner

ESNT

$5.96B

TERN

$5.95B

Max Drawdown

Winner

ESNT

64.94%

TERN

94.50%

Sharpe Ratio

ESNT

0.40

Winner

TERN

3.07

5Y Beta

ESNT

0.47

TERN

N/A

Industry

ESNT

Insurance - Specialty

TERN

Biotechnology

P/E Ratio

ESNT

9.01

Winner

TERN

-50.88

Forward P/E

ESNT

8.98

TERN

N/A

PEG Ratio

ESNT

2.67

TERN

N/A

Dividend Yield

ESNT

1.98%

TERN

N/A

5Y Dividends CAGR

ESNT

10.26%

TERN

N/A

5Y EPS CAGR

ESNT

14.95%

TERN

N/A

Debt to Equity

ESNT

0.00%

TERN

0.00%

Free Cash Flow Yield

Winner

ESNT

13.72%

TERN

-1.38%

P/S Ratio

ESNT

4.62

TERN

N/A

P/B Ratio

ESNT

1.05

TERN

N/A

ESNT vs TERN - Historical Returns

Returns include dividend reinvestment.

Period	ESNT	TERN
1 month	+9.39%	+0.32%
3 months	+6.97%	+49.83%
6 months	+1.56%	+191.09%
1 year	+15.84%	+1504.55%
5 years(CAGR)	+10.18%	+25.44%
10 years(CAGR)	+12.19%	N/A
Max(CAGR)	+10.38%	+22.35%

Winner

ESNT

+9.39%

TERN

+0.32%

ESNT

+6.97%

Winner

TERN

+49.83%

ESNT

+1.56%

Winner

TERN

+191.09%

ESNT

+15.84%

Winner

TERN

+1504.55%

5Y(CAGR)

ESNT

+10.18%

Winner

TERN

+25.44%

10Y(CAGR)

ESNT

+12.19%

TERN

N/A

Max(CAGR)

ESNT

+10.38%

Winner

TERN

+22.35%

ESNT vs TERN - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

Year	ESNT	TERN
2026	+0.69%	+32.01%
2025	+21.84%	+612.52%
2024	+4.90%	-14.51%
2023	+36.50%	-26.08%
2022	-12.97%	+51.94%
2021	+9.70%	-61.56%
2020	-14.46%	N/A
2019	+53.54%	N/A
2018	-22.02%	N/A
2017	+33.93%	N/A
2016	+50.98%	N/A
2015	-14.92%	N/A
2014	+10.01%	N/A
2013	+14.57%	N/A

ESNT vs TERN Drawdown Comparison

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

The maximum drawdown for TERN was -94.50%, occurring on May 11, 2022. Recovery took 1173 trading sessions.

The current ESNT drawdown is -2.55%. The current TERN drawdown is -0.41%.

Rank	ESNT	TERN
#1	-64.70% Nov 27, 2019 - Aug 4, 2023	-94.50% Mar 19, 2021 - Nov 18, 2025
#2	-43.52% Jul 20, 2015 - Nov 10, 2016	-32.02% Mar 3, 2021 - Mar 12, 2021
#3	-37.27% Jan 23, 2018 - Sep 20, 2019	-27.56% Dec 11, 2025 - Mar 18, 2026
#4	-32.32% Feb 18, 2014 - May 8, 2015	-16.13% Feb 10, 2021 - Feb 24, 2021
#5	-18.35% Oct 17, 2024 - Aug 22, 2025	-12.11% Nov 25, 2025 - Dec 5, 2025
#6	-15.41% Dec 18, 2025 - Jun 3, 2026	-5.26% Nov 18, 2025 - Nov 24, 2025
#7	-13.06% Aug 7, 2023 - Dec 21, 2023	-4.09% Mar 12, 2021 - Mar 18, 2021
#8	-12.07% Mar 28, 2024 - Jul 15, 2024	-2.27% Mar 1, 2021 - Mar 3, 2021
#9	-11.04% Aug 7, 2017 - Oct 13, 2017	-1.26% Mar 19, 2026 - Mar 23, 2026
#10	-10.67% Apr 26, 2017 - Jul 7, 2017	-1.15% Mar 26, 2026 - Apr 9, 2026
#11	-10.20% Sep 18, 2025 - Dec 15, 2025	-0.13% Feb 25, 2021 - Mar 1, 2021
#12	-9.90% Nov 5, 2013 - Dec 20, 2013	N/A
#13	-9.29% Sep 20, 2019 - Oct 21, 2019	N/A
#14	-9.06% Oct 20, 2017 - Nov 16, 2017	N/A
#15	-7.97% Jan 30, 2024 - Mar 20, 2024	N/A