Essent Group Ltd (ESNT)vsFidelity National Financial Inc (FNF)
ESNT
Essent Group Ltd
$57.44
+0.47%
FINANCIAL SERVICES · Cap: $5.38B
FNF
Fidelity National Financial Inc
$47.40
+2.98%
FINANCIAL SERVICES · Cap: $12.90B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 1070% more annual revenue ($14.96B vs $1.28B). ESNT leads profitability with a 53.6% profit margin vs 5.1%. ESNT appears more attractively valued with a PEG of 0.84. FNF earns a higher WallStSmart Score of 78/100 (B+).
ESNT
Strong Buy73
out of 100
Grade: B
FNF
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 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 200.0% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Areas to Watch
Weak financial health signals
5.1% margin — thin
Weak financial health signals
Distress zone — elevated risk
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 : FNF
The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : FNF
The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.
Key Dynamics to Monitor
ESNT profiles as a mature stock while FNF is a growth play — different risk/reward profiles.
FNF carries more volatility with a beta of 1.02 — expect wider price swings.
FNF is growing revenue faster at 16.7% — sustainability is the question.
FNF generates stronger free cash flow (848M), providing more financial flexibility.
Bottom Line
FNF scores higher overall (78/100 vs 73/100) and 16.7% 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.
Fidelity National Financial Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.
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