Essent Group Ltd (ESNT)vsRadian Group Inc (RDN)
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
RDN
Radian Group Inc
$35.62
-1.66%
FINANCIAL SERVICES · Cap: $4.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Radian Group Inc generates 25% more annual revenue ($1.65B vs $1.32B). ESNT leads profitability with a 51.4% profit margin vs 32.5%. RDN appears more attractively valued with a PEG of 0.76. RDN earns a higher WallStSmart Score of 78/100 (B+).
ESNT
Strong Buy73
out of 100
Grade: B
RDN
Strong Buy78
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
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 31.6%
Revenue surging 93.5% year-over-year
Safe zone — low bankruptcy risk
Areas to Watch
Weak financial health signals
Earnings declined 16.2%
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 : RDN
The strongest argument for RDN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.5% and operating margin at 31.6%. Revenue growth of 93.5% demonstrates continued momentum.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : RDN
The primary concerns for RDN are EPS Growth.
Key Dynamics to Monitor
ESNT profiles as a mature stock while RDN is a growth play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
RDN is growing revenue faster at 93.5% — sustainability is the question.
RDN generates stronger free cash flow (627M), providing more financial flexibility.
Bottom Line
RDN scores higher overall (78/100 vs 73/100), backed by strong 32.5% margins and 93.5% 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.
Radian Group Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Radian Group Inc. is engaged in the mortgage and real estate services business in the United States. The company is headquartered in Philadelphia, Pennsylvania.
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