Essent Group vs Payoneer Global
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KIRAβs take AI analyst
I put Essent Group and Payoneer Global side by side, using each oneβs latest annual report. Here is what stands out:
- 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.
Who comes out ahead
Of the 6 measures where higher (or lower) is clearly better, how many each company leads.
Essent Group
ESNT
4/6
Net marginFCF marginReturn on equityShare count change
Payoneer Global
PAYO
2/6
Revenue growth5-year growth
Side by side
Best in the row
| Latest fiscal year | ESNT FY25 | PAYO 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 |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.