Essent Group Ltd (ESNT)vsRyan Specialty Group Holdings Inc (RYAN)
ESNT
Essent Group Ltd
$63.13
+2.52%
FINANCIAL SERVICES · Cap: $5.77B
RYAN
Ryan Specialty Group Holdings Inc
$31.31
-1.26%
FINANCIAL SERVICES · Cap: $7.76B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 146% more annual revenue ($3.10B vs $1.26B). ESNT leads profitability with a 54.7% profit margin vs 3.5%. ESNT trades at a lower P/E of 8.9x. ESNT earns a higher WallStSmart Score of 67/100 (B-).
ESNT
Strong Buy67
out of 100
Grade: B-
RYAN
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 55 of every $100 in revenue as profit
Strong operational efficiency at 61.7%
Safe zone — low bankruptcy risk
Growing faster than its price suggests
Earnings expanding 110.1% YoY
Every $100 of equity generates 23 in profit
15.8% revenue growth
Areas to Watch
0.9% earnings growth
Weak financial health signals
Revenue declined 0.8%
Premium valuation, high expectations priced in
3.5% margin — thin
Weak financial health signals
Negative free cash flow — burning cash
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 54.7% and operating margin at 61.7%. PEG of 0.84 suggests the stock is reasonably priced for its growth.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : ESNT
The primary concerns for ESNT are EPS Growth, Piotroski F-Score, Revenue Growth.
Bear Case : RYAN
The primary concerns for RYAN are P/E Ratio, Profit Margin, Piotroski F-Score. Debt-to-equity of 5.68 is elevated, increasing financial risk. Thin 3.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
ESNT profiles as a declining stock while RYAN is a growth play — different risk/reward profiles.
ESNT carries more volatility with a beta of 0.81 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
ESNT generates stronger free cash flow (191M), providing more financial flexibility.
Bottom Line
ESNT scores higher overall (67/100 vs 56/100), backed by strong 54.7% margins. 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.
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.
Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a prominent provider of specialty insurance solutions, dedicated to delivering innovative risk management services across various sectors. Utilizing its extensive network of insurance wholesale operations and underwriting expertise, the company effectively addresses the complex needs of its clients while fostering strong partnerships with insurers and distribution channels. By harnessing advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client outcomes, solidifying its position as a vital entity in the evolving insurance landscape. With a strong focus on strategic growth initiatives, the company is well-positioned to generate sustainable shareholder value in a competitive market.
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