Assured Guaranty vs Essent
AGO and ESNT side by side, both in insurance carriers. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AGO and ESNT compare
Essent is the larger company, worth 1.8 times as much as Assured Guaranty ($5.8B against $3.3B).
On earnings, Essent is cheaper: it trades at 8.8× trailing earnings, against 10.6× for Assured Guaranty.
Essent grew revenue faster over the last twelve months (9.6% versus −4.2% for Assured Guaranty).
Essent keeps more of each dollar of sales as profit, with a net margin of 49.1% compared with 34.2% at Assured Guaranty.
Both pay dividends: Assured Guaranty yields 1.5% and Essent 1.6%.
Assured Guaranty scores higher on the StockData Score (11 against 10 for Essent), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AGO | ESNT |
|---|---|---|
| Size and price | ||
| Market cap | $3.3B | $5.8B |
| Share price | $74.73 | $64.58 |
| Change, 1 year | −14.7% | 5.0% |
| Change, 5 years | 40.5% | 42.4% |
| Beta (5Y) | 0.71 | 0.76 |
| Employees | 367 | 514 |
| StockData Score | ||
| Total score | 11 (better) | 10 |
| Valuation score | 4 (better) | 3 |
| Growth score | 2 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 0 | 0 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 10.6× | 8.8× (better) |
| P/S | 3.5× (better) | 4.2× |
| P/B | 0.6× (better) | 1.0× |
| EV/EBITDA | – | 6.6× |
| P/FCF | – | 6.8× |
| PEG | 0.14 | – |
| FCF yield | – | 14.7% |
| Fair value | $107.13 | $76.31 |
| Margin of safety | 30.2% (better) | 15.4% |
| Growth | ||
| Revenue growth (TTM) | −4.2% | 9.6% (better) |
| Revenue growth, 5Y average | −0.09% | 5.7% (better) |
| Net income growth (TTM) | −19.4% | −3.3% (better) |
| EPS growth (TTM) | −12.4% | 6.6% (better) |
| EPS growth, 5Y average | 19.6% (better) | 12.2% |
| Profitability | ||
| Net margin | 34.2% | 49.1% (better) |
| FCF margin | – | 61.6% |
| Return on equity | 5.9% | 12.0% (better) |
| Financial health | ||
| Altman Z-score | 1.02 | 2.97 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.5% | 1.6% (better) |
| Payout ratio | 21.0% | 18.4% |
| Years of dividend growth | 0 | 6 (better) |
| Dividend growth, 5Y average | −15.7% | 14.1% (better) |
| Buyback yield | 7.9% | 9.7% (better) |
| Shareholder yield | 9.5% | 11.3% (better) |
| Ownership | ||
| Held by institutions | 93.7% | 96.7% |
| Held by insiders | 6.2% | 3.7% |
| Insider net buying, 12 months | −$18.1M (better) | −$19.9M |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 6.2% | 4.0% |
Go deeper
- AGO stock overview
- AGO income statement
- AGO valuation and score
- ESNT stock overview
- ESNT income statement
- ESNT valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.