AMERISAFE Inc (AMSF)vsEssent Group Ltd (ESNT)
AMSF
AMERISAFE Inc
$24.77
+0.45%
FINANCIAL SERVICES · Cap: $459.14M
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 294% more annual revenue ($1.32B vs $335.66M). ESNT leads profitability with a 51.4% profit margin vs 14.0%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 73/100 (B).
AMSF
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
Attractively priced relative to earnings
Reasonable price relative to book value
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
Expensive relative to growth rate
Smaller company, higher risk/reward
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AMSF
The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 13.4% demonstrates continued momentum.
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 : AMSF
The primary concerns for AMSF are PEG Ratio, Market Cap, Altman Z-Score.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
AMSF profiles as a value 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.
AMERISAFE Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
AMERISAFE, Inc., an insurance holding company, writes workers' compensation insurance in the United States. The company is headquartered in DeRidder, Louisiana.
Visit Website →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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