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Assured Guaranty Ltd. (AGO) vs Essent Group Ltd. (ESNT)

Assured Guaranty Ltd. and Essent Group Ltd. are both Insurance Specialty companies. Essent Group Ltd. is the larger, with a market value of $6.2B against $3.2B — 2.0× the size. Essent Group Ltd. trades at the lower P/E: 9.5× against 9.6×. Essent Group Ltd. grew revenue faster over the last twelve months: 4.31% against −10.6%. Essent Group Ltd. has the higher net margin (51.5% vs 37.3%) and the higher return on invested capital (8.77% vs 3.91%). Both pay a dividend; Assured Guaranty Ltd. yields more (2.06% vs 1.98%). Across the 21 metrics below, Essent Group Ltd. leads on 15 and Assured Guaranty Ltd. on 6.

Valuation

Metric AGO ESNT Insurance Specialty median
P/E 9.57 9.49 9.49
P/S 3.38 4.71 1.69
P/B 0.57 1.10 1.23
Price to free cash flow 9.81 7.54 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.45% 10.54% 10.48%
Free cash flow yield 10.19% 13.27% 10.87%

Profitability

Metric AGO ESNT Insurance Specialty median
Gross margin 99.04% 64.51% 56.22%
Operating margin 46.38% 64.51% 15.19%
Net margin 37.34% 51.45% 13.80%
Free cash flow margin 34.47% 62.43% 34.47%
Return on equity 6.21% 12.01% 12.01%
Return on assets 2.84% 9.19% 3.55%
Return on invested capital 3.91% 8.77% 9.88%

Growth

Metric AGO ESNT Insurance Specialty median
Revenue growth (TTM) (10.56%) 4.31% 7.68%
EPS growth (last fiscal year) 49.34% 0.73% 8.65%
Revenue growth, 5-year CAGR (0.09%) 5.71% 2.24%
Net income growth, 5-year CAGR 6.80% 10.81% 0.00%

Health

Metric AGO ESNT Insurance Specialty median
Debt to equity 0.31 0.09 0.16
Current ratio 0.42 0.31 0.52
Net debt to EBITDA 2.24 0.43 0.28

Dividend

Metric AGO ESNT Insurance Specialty median
Dividend yield 2.06% 1.98% 2.06%
Payout ratio 0.20 0.19 0.19

Size

Metric AGO ESNT Insurance Specialty median
Market cap 3.16b 6.17b 3.31b

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