Assured Guaranty Ltd (AGO)vsEssent Group Ltd (ESNT)
AGO
Assured Guaranty Ltd
$70.74
-0.46%
FINANCIAL SERVICES · Cap: $3.13B
ESNT
Essent Group Ltd
$65.70
-1.16%
FINANCIAL SERVICES · Cap: $6.04B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 63% more annual revenue ($1.32B vs $813.00M). ESNT leads profitability with a 51.4% profit margin vs 43.2%. AGO appears more attractively valued with a PEG of 0.33. ESNT earns a higher WallStSmart Score of 73/100 (B).
AGO
Strong Buy66
out of 100
Grade: B-
ESNT
Strong Buy73
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 43 of every $100 in revenue as profit
Strong operational efficiency at 42.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 65.7%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
ROE of 7.9% — below average capital efficiency
Revenue declined 0.5%
Earnings declined 57.7%
Weak financial health signals
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 43.2% and operating margin at 42.6%. 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 51.4% and operating margin at 65.7%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : AGO
The primary concerns for AGO are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
AGO profiles as a declining stock while ESNT is a mature play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
ESNT is growing revenue faster at 13.6% — sustainability is the question.
ESNT generates stronger free cash flow (196M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 66/100), backed by strong 51.4% margins and 13.6% revenue growth. 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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