Essent Group Ltd (ESNT)vsFidelity National Financial Inc (FNF)
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
FNF
Fidelity National Financial Inc
$44.13
+0.41%
FINANCIAL SERVICES · Cap: $11.97B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1060% more annual revenue ($15.35B vs $1.32B). ESNT leads profitability with a 51.4% profit margin vs 5.0%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 73/100 (B).
ESNT
Strong Buy73
out of 100
Grade: B
FNF
Strong Buy70
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
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
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
Weak financial health signals
5.0% margin — thin
Weak financial health signals
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
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 : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ESNT profiles as a mature 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.
ESNT is growing revenue faster at 13.6% — sustainability is the question.
FNF generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 70/100), 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.
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.
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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