Essent Group Ltd (ESNT)vsRyan Specialty Group Holdings Inc (RYAN)
ESNT
Essent Group Ltd
$57.44
+0.47%
FINANCIAL SERVICES · Cap: $5.38B
RYAN
Ryan Specialty Group Holdings Inc
$33.26
+2.36%
FINANCIAL SERVICES · Cap: $9.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 142% more annual revenue ($3.10B vs $1.28B). ESNT leads profitability with a 53.6% profit margin vs 3.5%. ESNT trades at a lower P/E of 8.3x. ESNT earns a higher WallStSmart Score of 73/100 (B).
ESNT
Strong Buy73
out of 100
Grade: B
RYAN
Buy56
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
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
Weak financial health signals
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
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 : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 42.1x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
ESNT profiles as a mature stock while RYAN is a growth play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.78 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
ESNT generates stronger free cash flow (191M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 56/100), 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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative risk management services tailored to meet the diverse needs of its clients across various sectors. The company leverages its extensive network of insurance wholesale operations and underwriting proficiency to foster effective partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and client outcomes, reinforcing its significance in the dynamic insurance landscape. With a strategic emphasis on growth and operational excellence, Ryan Specialty is well-positioned to create sustainable shareholder value amid an increasingly competitive market.
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