WallStSmart

Assured Guaranty Ltd (AGO)vsFidelity National Financial Inc (FNF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 1788% more annual revenue ($15.35B vs $813.00M). AGO leads profitability with a 43.2% profit margin vs 5.0%. AGO appears more attractively valued with a PEG of 0.33. FNF earns a higher WallStSmart Score of 70/100 (B-).

AGO

Strong Buy

66

out of 100

Grade: B-

Growth: 2.7Profit: 7.0Value: 8.3Quality: 6.0
Piotroski: 4/9

FNF

Strong Buy

70

out of 100

Grade: B-

Growth: 6.0Profit: 5.0Value: 7.0Quality: 5.5
Piotroski: 3/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AGO5 strengths · Avg: 10.0/10
PEG RatioValuation
0.3310/10

Growing faster than its price suggests

P/E RatioValuation
9.4x10/10

Attractively priced relative to earnings

Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Profit MarginProfitability
43.2%10/10

Keeps 43 of every $100 in revenue as profit

Operating MarginProfitability
42.6%10/10

Strong operational efficiency at 42.6%

FNF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.858/10

Growing faster than its price suggests

P/E RatioValuation
14.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.83B8/10

Generating 1.8B in free cash flow

Areas to Watch

AGO3 concerns · Avg: 2.3/10
Return on EquityProfitability
7.9%3/10

ROE of 7.9% — below average capital efficiency

Revenue GrowthGrowth
-0.5%2/10

Revenue declined 0.5%

EPS GrowthGrowth
-57.7%2/10

Earnings declined 57.7%

FNF3 concerns · Avg: 2.7/10
Profit MarginProfitability
5.0%3/10

5.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.642/10

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 43.2% and operating margin at 42.6%. PEG of 0.33 suggests the stock is reasonably priced for its growth.

Bull Case : FNF

The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% 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 value play — different risk/reward profiles.

FNF carries more volatility with a beta of 0.98 — expect wider price swings.

FNF is growing revenue faster at 10.5% — sustainability is the question.

FNF generates stronger free cash flow (1.8B), providing more financial flexibility.

Bottom Line

FNF scores higher overall (70/100 vs 66/100) and 10.5% 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.

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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