Assured Guaranty Ltd (AGO)vsFidelity National Financial Inc (FNF)
AGO
Assured Guaranty Ltd
$76.63
+2.30%
FINANCIAL SERVICES · Cap: $3.39B
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1738% more annual revenue ($14.96B vs $814.00M). AGO leads profitability with a 51.0% profit margin vs 5.1%. AGO appears more attractively valued with a PEG of 0.33. FNF earns a higher WallStSmart Score of 78/100 (B+).
AGO
Buy61
out of 100
Grade: C+
FNF
Strong Buy78
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 51 of every $100 in revenue as profit
Strong operational efficiency at 24.3%
Earnings expanding 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Areas to Watch
ROE of 7.9% — below average capital efficiency
Revenue declined 6.2%
Earnings declined 44.5%
5.1% margin — thin
Weak financial health signals
Distress zone — elevated risk
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 51.0% and operating margin at 24.3%. PEG of 0.33 suggests the stock is reasonably priced for its growth.
Bull Case : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : AGO
The primary concerns for AGO are Return on Equity, Revenue Growth, EPS Growth.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
AGO profiles as a declining stock while FNF is a growth play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Bottom Line
FNF scores higher overall (78/100 vs 61/100) and 16.7% revenue growth. Both earn "Strong Buy" and "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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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