American International Group Inc (AIG)vsEssent Group Ltd (ESNT)
AIG
American International Group Inc
$73.42
-1.00%
FINANCIAL SERVICES · Cap: $40.16B
ESNT
Essent Group Ltd
$57.44
+0.47%
FINANCIAL SERVICES · Cap: $5.38B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1987% more annual revenue ($26.70B vs $1.28B). ESNT leads profitability with a 53.6% profit margin vs 11.8%. AIG appears more attractively valued with a PEG of 0.62. ESNT earns a higher WallStSmart Score of 73/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
ESNT
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Earnings expanding 21.6% YoY
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
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
Distress zone — elevated risk
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.62 suggests the stock is reasonably priced for its growth.
Bull 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.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
AIG profiles as a value stock while ESNT is a mature 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 72/100), backed by strong 53.6% margins. 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.
American International Group Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.
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.
Compare with Other INSURANCE - DIVERSIFIED Stocks
Want to dig deeper into these stocks?