PCTY vs ESNT

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

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

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

PCTY vs ESNT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

PCTY

$5.58B

ESNT

$5.58B

Max Drawdown

PCTY

68.90%

Winner

ESNT

64.94%

Sharpe Ratio

PCTY

-1.51

Winner

ESNT

0.12

5Y Beta

PCTY

0.69

Winner

ESNT

0.51

Industry

PCTY

Software - Application

ESNT

Insurance - Specialty

P/E Ratio

PCTY

21.85

Winner

ESNT

8.42

Forward P/E

PCTY

19.16

Winner

ESNT

8.53

PEG Ratio

Winner

PCTY

1.31

ESNT

2.49

Dividend Yield

PCTY

N/A

ESNT

2.12%

5Y Dividends CAGR

PCTY

N/A

ESNT

19.96%

5Y EPS CAGR

Winner

PCTY

32.33%

ESNT

14.95%

Debt to Equity

PCTY

6.88%

Winner

ESNT

0.00%

Free Cash Flow Yield

PCTY

8.73%

Winner

ESNT

14.67%

P/S Ratio

Winner

PCTY

3.23

ESNT

4.43

P/B Ratio

PCTY

5.03

Winner

ESNT

1.04

PCTY vs ESNT - Historical Returns

Returns include dividend reinvestment.

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

Winner

PCTY

+9.77%

ESNT

-2.90%

Winner

PCTY

+4.62%

ESNT

+1.65%

PCTY

-21.41%

Winner

ESNT

+0.70%

PCTY

-43.50%

Winner

ESNT

+4.53%

5Y(CAGR)

PCTY

-6.95%

Winner

ESNT

+7.06%

10Y(CAGR)

PCTY

+12.52%

Winner

ESNT

+13.36%

Max(CAGR)

Winner

PCTY

+13.58%

ESNT

+9.96%

PCTY vs ESNT - Annual Returns (2013 - 2026)

Returns include dividend reinvestment.

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

PCTY vs ESNT Drawdown Comparison

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

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

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

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