Essent Group Ltd (ESNT)vsMGIC Investment Corp (MTG)
ESNT
Essent Group Ltd
$57.44
+0.47%
FINANCIAL SERVICES · Cap: $5.38B
MTG
MGIC Investment Corp
$26.49
+1.55%
FINANCIAL SERVICES · Cap: $5.46B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 6% more annual revenue ($1.28B vs $1.20B). MTG leads profitability with a 59.6% profit margin vs 53.6%. MTG appears more attractively valued with a PEG of 0.40. ESNT earns a higher WallStSmart Score of 73/100 (B).
ESNT
Strong Buy73
out of 100
Grade: B
MTG
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 54 of every $100 in revenue as profit
Strong operational efficiency at 63.7%
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
Keeps 60 of every $100 in revenue as profit
Strong operational efficiency at 72.6%
Conservative balance sheet, low leverage
Areas to Watch
Weak financial health signals
1.3% earnings growth
Weak financial health signals
Revenue declined 3.0%
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 53.6% and operating margin at 63.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 59.6% and operating margin at 72.6%. PEG of 0.40 suggests the stock is reasonably priced for its growth.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
ESNT profiles as a mature stock while MTG is a declining play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.78 — expect wider price swings.
ESNT is growing revenue faster at 5.8% — sustainability is the question.
ESNT generates stronger free cash flow (191M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 65/100), backed by strong 53.6% margins. Both earn "Strong Buy" and "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.
MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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