Employers Holdings Inc (EIG)vsEssent Group Ltd (ESNT)
EIG
Employers Holdings Inc
$49.66
+1.02%
FINANCIAL SERVICES · Cap: $881.68M
ESNT
Essent Group Ltd
$68.18
-0.23%
FINANCIAL SERVICES · Cap: $6.15B
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 58% more annual revenue ($1.32B vs $837.60M). ESNT leads profitability with a 51.4% profit margin vs 0.9%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 73/100 (B).
EIG
Buy56
out of 100
Grade: C
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
Earnings expanding 29.3% YoY
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
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.9% — below average capital efficiency
0.9% margin — thin
Weak financial health signals
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : EIG
The strongest argument for EIG centers on Price/Book, Debt/Equity, EPS Growth. PEG of 1.32 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 51.4% and operating margin at 65.7%. Revenue growth of 13.6% demonstrates continued momentum.
Bear Case : EIG
The primary concerns for EIG are Market Cap, Return on Equity, Profit Margin. A P/E of 62.1x leaves little room for execution misses. Thin 0.9% margins leave little buffer for downturns.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Key Dynamics to Monitor
EIG profiles as a value stock while ESNT is a mature play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.76 — expect wider price swings.
ESNT is growing revenue faster at 13.6% — sustainability is the question.
ESNT generates stronger free cash flow (196M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (73/100 vs 56/100), backed by strong 51.4% margins and 13.6% revenue growth. 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.
Employers Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Employers Holdings, Inc. operates in the commercial property and casualty insurance industry primarily in the United States. The company is headquartered in Reno, Nevada.
Visit Website →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.
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