Assured Guaranty Ltd (AGO)vsEssent Group Ltd (ESNT)
AGO
Assured Guaranty Ltd
$75.05
-8.95%
FINANCIAL SERVICES · Cap: $3.70B
ESNT
Essent Group Ltd
$63.13
+2.52%
FINANCIAL SERVICES · Cap: $5.77B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 52% more annual revenue ($1.26B vs $832.00M). AGO leads profitability with a 60.5% profit margin vs 54.7%. AGO appears more attractively valued with a PEG of 0.33. ESNT earns a higher WallStSmart Score of 67/100 (B-).
AGO
Strong Buy67
out of 100
Grade: B-
ESNT
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Earnings expanding 642.0% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 61.7%
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Areas to Watch
Revenue declined 37.4%
0.9% earnings growth
Weak financial health signals
Revenue declined 0.8%
Comparative Analysis Report
WallStSmart ResearchBull 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 : ESNT
The strongest argument for ESNT centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 54.7% and operating margin at 61.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bear Case : AGO
The primary concerns for AGO are Revenue Growth.
Bear Case : ESNT
The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ESNT carries more volatility with a beta of 0.81 — expect wider price swings.
ESNT is growing revenue faster at -0.8% — sustainability is the question.
ESNT generates stronger free cash flow (191M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AGO scores higher overall (67/100 vs 67/100), backed by strong 60.5% margins. 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.
Essent Group Ltd
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Essent Group Ltd., provides private mortgage insurance and reinsurance for mortgages secured by residential properties located in the United States. The company is headquartered in Hamilton, Bermuda.
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