ITIC vs ESNT vs FNF vs MTG

For growth investors, Essent Group Ltd.

(ESNT) is the stronger pick with 12. 0% revenue growth year-over-year, versus 0. 5% for MGIC Investment Corporation (MTG). MGIC Investment Corporation (MTG) offers the better valuation at 8. 4x trailing P/E (8. 6x forward), making it the more compelling value choice. Analysts rate Essent Group Ltd. (ESNT) a "Buy" — based on 19 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, MGIC Investment Corporation (MTG) is the cheapest at 8.

4x versus Fidelity National Financial, Inc. at 23. 2x. On forward P/E, MGIC Investment Corporation is actually cheaper at 8. 6x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: MGIC Investment Corporation wins at 0. 44x versus Fidelity National Financial, Inc. 's 2. 24x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, MGIC Investment Corporation (MTG) delivered a total return of +103.

1%, compared to +34. 7% for Essent Group Ltd. (ESNT). Over 10 years, the gap is even starker: MTG returned +336. 2% versus FNF's +181. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Essent Group Ltd.

(ESNT) is the lower-risk stock at 0. 38β versus Investors Title Company's 0. 77β — meaning ITIC is approximately 103% more volatile than ESNT relative to the S&P 500. On balance sheet safety, Investors Title Company (ITIC) carries a lower debt/equity ratio of 6% versus 53% for Fidelity National Financial, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Essent Group Ltd.

(ESNT) is pulling ahead at 12. 0% versus 0. 5% for MGIC Investment Corporation (MTG). On earnings-per-share growth, the picture is similar: Investors Title Company grew EPS 13. 1% year-over-year, compared to -52. 5% for Fidelity National Financial, Inc.. Over a 3-year CAGR, FNF leads at 8. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

MGIC Investment Corporation (MTG) is the more profitable company, earning 60.

8% net margin versus 4. 2% for Fidelity National Financial, Inc. — meaning it keeps 60. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MTG leads at 76. 5% versus 9. 9% for FNF. At the gross margin level — before operating expenses — ITIC leads at 98. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, MGIC Investment Corporation (MTG) is the more undervalued stock at a PEG of 0. 44x versus Fidelity National Financial, Inc. 's 2. 24x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, MGIC Investment Corporation (MTG) trades at 8. 6x forward P/E versus 38. 7x for Investors Title Company — 30. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FNF: 30. 7% to $67. 00.

All stocks in this comparison pay dividends.

Investors Title Company (ITIC) offers the highest yield at 4. 5%, versus 1. 8% for Essent Group Ltd. (ESNT).

For long-horizon retirement investors, MGIC Investment Corporation (MTG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

43), 2. 2% yield, +336. 2% 10Y return). Both have compounded well over 10 years (MTG: +336. 2%, ITIC: +251. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: ITIC is a small-cap deep-value stock; ESNT is a small-cap deep-value stock; FNF is a mid-cap income-oriented stock; MTG is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.