Essent Group Ltd (ESNT)vsMBIA Inc (MBI)
ESNT
Essent Group Ltd
$67.50
-0.47%
FINANCIAL SERVICES · Cap: $6.15B
MBI
MBIA Inc
$4.52
-0.44%
FINANCIAL SERVICES · Cap: $244.37M
Smart Verdict
WallStSmart Research — data-driven comparison
Essent Group Ltd generates 1403% more annual revenue ($1.32B vs $88.00M). ESNT leads profitability with a 51.4% profit margin vs -164.8%. ESNT appears more attractively valued with a PEG of 0.84. ESNT earns a higher WallStSmart Score of 73/100 (B).
ESNT
Strong Buy73
out of 100
Grade: B
MBI
Hold38
out of 100
Grade: F
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Conservative balance sheet, low leverage
Strong operational efficiency at 22.2%
Areas to Watch
Weak financial health signals
Expensive relative to growth rate
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 0.0% — below average capital efficiency
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 51.4% and operating margin at 65.7%. Revenue growth of 13.6% demonstrates continued momentum.
Bull Case : MBI
The strongest argument for MBI centers on Debt/Equity, Operating Margin.
Bear Case : ESNT
The primary concerns for ESNT are Piotroski F-Score.
Bear Case : MBI
The primary concerns for MBI are PEG Ratio, EPS Growth, Market Cap.
Key Dynamics to Monitor
ESNT profiles as a mature stock while MBI is a turnaround play — different risk/reward profiles.
MBI carries more volatility with a beta of 1.34 — 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 38/100), backed by strong 51.4% margins and 13.6% 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.
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.
MBIA Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MBIA Inc. provides financial insurance services to the public financial markets. The company is headquartered in Purchase, New York.
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