Essent Group Ltd (ESNT)vsInvestors Title Company (ITIC)
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
ITIC
Investors Title Company
$297.53
-1.26%
FINANCIAL SERVICES · Cap: $565.63M
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 352% more annual revenue ($1.32B vs $292.96M). ESNT leads profitability with a 51.4% profit margin vs 13.8%. 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
ITIC
Strong Buy67
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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 22.5%
17.5% revenue growth
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
Smaller company, higher risk/reward
Weak financial health signals
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 : ITIC
The strongest argument for ITIC centers on Debt/Equity, Altman Z-Score, P/E Ratio. Revenue growth of 17.5% demonstrates continued momentum.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : ITIC
The primary concerns for ITIC are PEG Ratio, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ESNT profiles as a mature stock while ITIC is a growth play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
ITIC is growing revenue faster at 17.5% — sustainability is the question.
ESNT generates stronger free cash flow (196M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 67/100), 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.
Investors Title Company
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Investors Title Company, is dedicated to the issuance of residential and commercial title insurance for residential, institutional, commercial and industrial properties. The company is headquartered in Chapel Hill, North Carolina.
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