Essent Group vs Payoneer Global
Add, change or remove companies; up to four.
The short version
- Essent Group is the larger business, with $1.3B of revenue in fiscal 2025 against $1.1B for Payoneer Global.
- Payoneer Global grew revenue faster (7.7%, against 1.5%).
- Essent Group turned more of its sales into free cash flow (67.3% FCF margin, against 19.6%).
- Investors pay more for each dollar of Payoneer Globalβs earnings: a P/E of 51.1x against 9.3x for Essent Group.
| Latest fiscal year | ESNT Β· FY25 | PAYO Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.1B | $2.4B |
| Revenue | $1.3B | $1.1B |
| Free cash flow | $849M | $207M |
| Net income | $690M | $73.2M |
| Growth | ||
| Revenue growth | 1.5% | 7.7% |
| 5-year growth | 5.7% | 25.0% |
| Share count change | β6.1% | β2.5% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | 11.8% |
| Net margin | 54.7% | 7.0% |
| FCF margin | 67.3% | 19.6% |
| Return on capital | β | β |
| Return on equity | 12.2% | 10.2% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $710M | $174M |
| Valuation & quality | ||
| P/E | 9.3x | 51.1x |
| Piotroski F-score | β | β |
Revenue
FY16
ESNT $458M
PAYO β
FY17
ESNT $577M
PAYO β
FY18
ESNT $719M
PAYO β
FY19
ESNT $868M
PAYO $318M
FY20
ESNT $955M
PAYO $346M
FY21
ESNT $1.0B
PAYO $473M
FY22
ESNT $1.0B
PAYO $628M
FY23
ESNT $1.1B
PAYO $831M
FY24
ESNT $1.2B
PAYO $978M
FY25
ESNT $1.3B
PAYO $1.1B
ESNT
PAYO
Operating margin
FY16
ESNT β
PAYO β
FY17
ESNT β
PAYO β
FY18
ESNT β
PAYO β
FY19
ESNT β
PAYO 1.2%
FY20
ESNT β
PAYO β5.0%
FY21
ESNT β
PAYO β6.4%
FY22
ESNT β
PAYO β3.5%
FY23
ESNT β
PAYO 12.5%
FY24
ESNT β
PAYO 15.2%
FY25
ESNT β
PAYO 11.8%
ESNT
PAYO
Free cash flow
FY16
ESNT $271M
PAYO β
FY17
ESNT $366M
PAYO β
FY18
ESNT $621M
PAYO β
FY19
ESNT $586M
PAYO β$23.5M
FY20
ESNT $725M
PAYO $4.5M
FY21
ESNT $707M
PAYO $13.1M
FY22
ESNT $585M
PAYO $73.5M
FY23
ESNT $759M
PAYO $151M
FY24
ESNT $855M
PAYO $169M
FY25
ESNT $849M
PAYO $207M
ESNT
PAYO
Return on capital
FY16
ESNT β
PAYO β
FY17
ESNT β
PAYO β
FY18
ESNT β
PAYO β
FY19
ESNT β
PAYO β
FY20
ESNT β
PAYO β
FY21
ESNT β
PAYO β
FY22
ESNT β
PAYO β
FY23
ESNT β
PAYO β
FY24
ESNT β
PAYO β
FY25
ESNT β
PAYO β
ESNT
PAYO
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.