Employers Holdings Inc (EIG)vsFirst American Corporation (FAF)
EIG
Employers Holdings Inc
$40.06
-0.15%
FINANCIAL SERVICES · Cap: $761.55M
FAF
First American Corporation
$58.36
+0.43%
FINANCIAL SERVICES · Cap: $5.92B
Smart Verdict
WallStSmart Research — data-driven comparison
First American Corporation generates 768% more annual revenue ($7.45B vs $858.70M). FAF leads profitability with a 8.3% profit margin vs 1.3%. EIG appears more attractively valued with a PEG of 1.32. FAF earns a higher WallStSmart Score of 72/100 (B).
EIG
Hold47
out of 100
Grade: D+
FAF
Strong Buy72
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-1274.1%
Fair Value
$3.13
Current Price
$40.06
$36.93 premium
Margin of Safety
+77.1%
Fair Value
$280.80
Current Price
$58.36
$222.44 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 21.6% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of 1.1% — below average capital efficiency
1.3% margin — thin
Premium valuation, high expectations priced in
Expensive relative to growth rate
1.9% earnings growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EIG
The strongest argument for EIG centers on Price/Book, Debt/Equity. PEG of 1.32 suggests the stock is reasonably priced for its growth.
Bull Case : FAF
The strongest argument for FAF centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 21.6% demonstrates continued momentum.
Bear Case : EIG
The primary concerns for EIG are Market Cap, Return on Equity, Profit Margin. A P/E of 85.0x leaves little room for execution misses. Thin 1.3% margins leave little buffer for downturns.
Bear Case : FAF
The primary concerns for FAF are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
EIG profiles as a value stock while FAF is a growth play — different risk/reward profiles.
FAF carries more volatility with a beta of 1.26 — expect wider price swings.
FAF is growing revenue faster at 21.6% — sustainability is the question.
FAF generates stronger free cash flow (325M), providing more financial flexibility.
Bottom Line
FAF scores higher overall (72/100 vs 47/100) and 21.6% revenue growth. Both earn "Strong Buy" and "Hold" 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 →First American Corporation
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
First American Financial Corporation, provides financial services. The company is headquartered in Santa Ana, California.
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