WallStSmart

Assured Guaranty Ltd (AGO)vsAXIS Capital Holdings Ltd (AXS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

AXIS Capital Holdings Ltd generates 689% more annual revenue ($6.56B vs $832.00M). AGO leads profitability with a 60.5% profit margin vs 15.4%. AGO appears more attractively valued with a PEG of 0.33. AXS earns a higher WallStSmart Score of 74/100 (B).

AGO

Strong Buy

67

out of 100

Grade: B-

Growth: 4.0Profit: 6.5Value: 10.0Quality: 5.0

AXS

Strong Buy

74

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 10.0Quality: 5.0
Piotroski: 5/9Altman Z: 0.62
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AGOUndervalued (+82.0%)

Margin of Safety

+82.0%

Fair Value

$480.17

Current Price

$81.48

$398.69 discount

UndervaluedFair: $480.17Overvalued
AXSUndervalued (+60.0%)

Margin of Safety

+60.0%

Fair Value

$253.92

Current Price

$101.04

$152.88 discount

UndervaluedFair: $253.92Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGO4 strengths · Avg: 10.0/10
PEG RatioValuation
0.3310/10

Growing faster than its price suggests

P/E RatioValuation
7.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Profit MarginProfitability
60.5%10/10

Keeps 61 of every $100 in revenue as profit

AXS5 strengths · Avg: 9.0/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.259/10

Conservative balance sheet, low leverage

Operating MarginProfitability
20.2%8/10

Strong operational efficiency at 20.2%

Revenue GrowthGrowth
17.8%8/10

17.8% revenue growth

Areas to Watch

AGO1 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-37.4%2/10

Revenue declined 37.4%

AXS1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
0.622/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AGO

The strongest argument for AGO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.5% and operating margin at 12.1%. PEG of 0.33 suggests the stock is reasonably priced for its growth.

Bull Case : AXS

The strongest argument for AXS centers on P/E Ratio, Price/Book, Debt/Equity. Profitability is solid with margins at 15.4% and operating margin at 20.2%. Revenue growth of 17.8% demonstrates continued momentum.

Bear Case : AGO

The primary concerns for AGO are Revenue Growth.

Bear Case : AXS

The primary concerns for AXS are Altman Z-Score.

Key Dynamics to Monitor

AGO profiles as a declining stock while AXS is a growth play — different risk/reward profiles.

AGO carries more volatility with a beta of 0.93 — expect wider price swings.

AXS is growing revenue faster at 17.8% — sustainability is the question.

AXS generates stronger free cash flow (614M), providing more financial flexibility.

Bottom Line

AXS scores higher overall (74/100 vs 67/100), backed by strong 15.4% margins and 17.8% revenue growth. AGO offers better value entry with a 82.0% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Assured Guaranty Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Assured Guaranty Ltd., provides credit protection products to the public finance, infrastructure and structured finance markets in the United States and internationally. The company is headquartered in Hamilton, Bermuda.

AXIS Capital Holdings Ltd

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

AXIS Capital Holdings Limited, offers various specialized insurance and reinsurance products worldwide. The company is headquartered in Pembroke, Bermuda.

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