RNST vs. ESNT
RNST (Renasant Corporation) and ESNT (Essent Group Ltd.) are both stocks. Both are in the Financial Services sector — RNST in Banks - Regional, ESNT in Mortgage Finance. Over the past 10 years, RNST returned 3.94%/yr vs 11.23%/yr for ESNT. A 0.51 correlation means they provide meaningful diversification when combined.
Performance
RNST vs. ESNT - Performance Comparison
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Returns By Period
In the year-to-date period, RNST achieves a 12.65% return, which is significantly higher than ESNT's -13.06% return. Over the past 10 years, RNST has underperformed ESNT with an annualized return of 3.94%, while ESNT has yielded a comparatively higher 11.23% annualized return.
RNST
- 1D
- -2.47%
- 1M
- 0.03%
- YTD
- 12.65%
- 6M
- 11.20%
- 1Y
- 14.53%
- 3Y*
- 13.98%
- 5Y*
- 0.53%
- 10Y*
- 3.94%
ESNT
- 1D
- -0.62%
- 1M
- -6.57%
- YTD
- -13.06%
- 6M
- -8.66%
- 1Y
- -1.54%
- 3Y*
- 8.78%
- 5Y*
- 5.51%
- 10Y*
- 11.23%
RNST vs. ESNT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RNST Renasant Corporation | 12.65% | 0.98% | 9.12% | -7.70% | 1.70% | 15.28% | -1.62% | 20.24% | -24.72% | -1.43% |
ESNT Essent Group Ltd. | -13.06% | 21.95% | 5.23% | 38.60% | -12.76% | 7.06% | -15.53% | 53.00% | -21.28% | 34.14% |
Correlation
The correlation between RNST and ESNT is 0.51, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.51 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.57 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.57 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.53 |
Correlation (All Time) Calculated using the full available price history since Nov 1, 2013 | 0.51 |
The correlation between RNST and ESNT has been stable across timeframes, ranging from 0.51 to 0.57 - a consistent structural relationship.
Fundamentals
RNST:
$3.71B
ESNT:
$5.28B
RNST:
$2.40
ESNT:
$6.98
RNST:
16.42
ESNT:
8.00
RNST:
2.62
ESNT:
4.25
RNST:
0.96
ESNT:
0.93
RNST:
$1.43B
ESNT:
$1.29B
RNST:
$614.94M
ESNT:
$839.13M
RNST:
$182.62M
ESNT:
$643.27M
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Return for Risk
RNST vs. ESNT — Risk / Return Rank
RNST
ESNT
RNST vs. ESNT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Renasant Corporation (RNST) and Essent Group Ltd. (ESNT). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| RNST | ESNT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.62 | ||
| Sortino ratioReturn per unit of downside risk | +0.90 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.01 | +0.11 |
| Calmar ratioReturn relative to maximum drawdown | 0.85 | -0.10 | +0.95 |
| Martin ratioReturn relative to average drawdown | 1.88 | -0.22 | +2.10 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| RNST | ESNT | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.55 | -0.07 | +0.62 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.02 | 0.22 | -0.20 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.12 | 0.29 | -0.17 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.26 | 0.25 | +0.01 |
Drawdowns
RNST vs. ESNT - Drawdown Comparison
The maximum RNST drawdown since its inception was -73.06%, which is greater than ESNT's maximum drawdown of -64.72%. Use the drawdown chart below to compare losses from any high point for RNST and ESNT.
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Drawdown Indicators
| RNST | ESNT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -73.06% | -64.72% | -8.34% |
Max Drawdown (1Y)Largest decline over 1 year | -17.19% | -15.41% | -1.78% |
Max Drawdown (3Y)Largest decline over 3 years | -29.28% | -18.36% | -10.92% |
Max Drawdown (5Y)Largest decline over 5 years | -42.73% | -28.79% | -13.94% |
Max Drawdown (10Y)Largest decline over 10 years | -59.84% | -64.72% | +4.88% |
Current DrawdownCurrent decline from peak | -5.08% | -15.41% | +10.33% |
Average DrawdownAverage peak-to-trough decline | -19.26% | -13.75% | -5.51% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 7.74% | 7.13% | +0.61% |
Volatility
RNST vs. ESNT - Volatility Comparison
Renasant Corporation (RNST) and Essent Group Ltd. (ESNT) have volatilities of 6.99% and 7.11%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| RNST | ESNT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.99% | 7.11% | -0.12% |
Volatility (6M)Calculated over the trailing 6-month period | 18.23% | 17.45% | +0.78% |
Volatility (1Y)Calculated over the trailing 1-year period | 26.73% | 22.34% | +4.39% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.25% | 25.04% | +6.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.83% | 38.69% | -5.86% |
Dividends
RNST vs. ESNT - Dividend Comparison
RNST's dividend yield for the trailing twelve months is around 2.28%, less than ESNT's 2.36% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ESNT Essent Group Ltd. | 2.36% | 1.91% | 2.06% | 1.90% | 2.21% | 1.54% | 1.48% | 0.58% | 0.00% | 0.00% | 0.00% | 0.00% |
RNST Renasant Corporation | 2.28% | 2.53% | 2.46% | 2.61% | 2.34% | 2.32% | 2.61% | 2.46% | 2.65% | 1.79% | 1.68% | 1.98% |
Financials
RNST vs. ESNT - Financials Comparison
This section allows you to compare key financial metrics between Renasant Corporation and Essent Group Ltd.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
RNST vs. ESNT - Profitability Comparison
RNST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Renasant Corporation reported a gross profit of 0.00 and revenue of 338.12M. Therefore, the gross margin over that period was 0.0%.
ESNT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Essent Group Ltd. reported a gross profit of 0.00 and revenue of 336.07M. Therefore, the gross margin over that period was 0.0%.
RNST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Renasant Corporation reported an operating income of 0.00 and revenue of 338.12M, resulting in an operating margin of 0.0%.
ESNT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Essent Group Ltd. reported an operating income of 0.00 and revenue of 336.07M, resulting in an operating margin of 0.0%.
RNST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Renasant Corporation reported a net income of 88.23M and revenue of 338.12M, resulting in a net margin of 26.1%.
ESNT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Essent Group Ltd. reported a net income of 171.80M and revenue of 336.07M, resulting in a net margin of 51.1%.
Frequently Asked Questions
RNST and ESNT have a correlation of 0.51, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ESNT has higher volatility (7.11%) compared to RNST (6.99%). In terms of maximum drawdown, RNST dropped -73.06% vs ESNT's -64.72%.
RNST currently has the higher Sharpe Ratio (0.55 vs -0.07), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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