American International Group Inc (AIG)vsEssent Group Ltd (ESNT)
AIG
American International Group Inc
$77.69
-0.99%
FINANCIAL SERVICES · Cap: $41.98B
ESNT
Essent Group Ltd
$61.41
+2.06%
FINANCIAL SERVICES · Cap: $5.64B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 2000% more annual revenue ($26.48B vs $1.26B). ESNT leads profitability with a 54.7% profit margin vs 11.9%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 67/100 (B-).
AIG
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
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Earnings expanding 22.2% 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
1.6% revenue growth
ROE of 7.7% — below average capital efficiency
Distress zone — elevated risk
0.9% earnings growth
Weak financial health signals
Revenue declined 0.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, P/E Ratio. PEG of 1.22 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 : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : ESNT
The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AIG profiles as a value stock while ESNT is a declining play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.87 — expect wider price swings.
AIG is growing revenue faster at 1.6% — sustainability is the question.
ESNT generates stronger free cash flow (228M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (67/100 vs 67/100). 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.
American International Group Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.
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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