vs
Side-by-side financial comparison of ACV Auctions Inc. (ACVA) and Essent Group Ltd. (ESNT). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $183.6M, roughly 1.7× ACV Auctions Inc.). On growth, ACV Auctions Inc. posted the faster year-over-year revenue change (15.1% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-14.7M). Over the past eight quarters, ACV Auctions Inc.'s revenue compounded faster (12.3% CAGR vs 2.3%).
ACV Auctions Inc.ACVAEarnings & Financial Report
ACV Auctions Inc. operates a leading digital wholesale vehicle auction platform serving automotive dealers across the U.S. and Canada. It offers end-to-end services including transparent vehicle inspections, secure payment processing, and logistics support, enabling efficient trading of used vehicles between registered wholesale buyers and sellers.
Essentra PLC is a supplier of plastic and fibre products. The company operates internationally from headquarters in Kidlington, Oxfordshire. It is listed on the London Stock Exchange.
ACVA vs ESNT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $183.6M | $312.4M |
| Net Profit | — | $155.0M |
| Gross Margin | — | — |
| Operating Margin | -9.7% | 59.1% |
| Net Margin | — | 49.6% |
| Revenue YoY | 15.1% | -0.8% |
| Net Profit YoY | — | -7.7% |
| EPS (diluted) | $-0.12 | $1.61 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $183.6M | $312.4M | ||
| Q3 25 | $199.6M | $311.8M | ||
| Q2 25 | $193.7M | $319.1M | ||
| Q1 25 | $182.7M | $317.6M | ||
| Q4 24 | $159.5M | $315.0M | ||
| Q3 24 | $171.3M | $316.6M | ||
| Q2 24 | $160.6M | $312.9M | ||
| Q1 24 | $145.7M | $298.4M |
| Q4 25 | — | $155.0M | ||
| Q3 25 | $-24.5M | $164.2M | ||
| Q2 25 | $-7.3M | $195.3M | ||
| Q1 25 | $-14.8M | $175.4M | ||
| Q4 24 | — | $167.9M | ||
| Q3 24 | $-16.0M | $176.2M | ||
| Q2 24 | $-17.1M | $203.6M | ||
| Q1 24 | $-20.5M | $181.7M |
| Q4 25 | -9.7% | 59.1% | ||
| Q3 25 | -11.9% | 63.9% | ||
| Q2 25 | -3.7% | 72.4% | ||
| Q1 25 | -7.9% | 65.2% | ||
| Q4 24 | -16.2% | 61.9% | ||
| Q3 24 | -10.0% | 65.6% | ||
| Q2 24 | -11.6% | 76.4% | ||
| Q1 24 | -15.5% | 71.6% |
| Q4 25 | — | 49.6% | ||
| Q3 25 | -12.3% | 52.7% | ||
| Q2 25 | -3.8% | 61.2% | ||
| Q1 25 | -8.1% | 55.2% | ||
| Q4 24 | — | 53.3% | ||
| Q3 24 | -9.4% | 55.6% | ||
| Q2 24 | -10.6% | 65.1% | ||
| Q1 24 | -14.1% | 60.9% |
| Q4 25 | $-0.12 | $1.61 | ||
| Q3 25 | $-0.14 | $1.67 | ||
| Q2 25 | $-0.04 | $1.93 | ||
| Q1 25 | $-0.09 | $1.69 | ||
| Q4 24 | $-0.15 | $1.59 | ||
| Q3 24 | $-0.10 | $1.65 | ||
| Q2 24 | $-0.10 | $1.91 | ||
| Q1 24 | $-0.13 | $1.70 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $271.5M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $429.7M | $5.8B |
| Total Assets | $1.1B | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $271.5M | — | ||
| Q3 25 | $265.3M | — | ||
| Q2 25 | $258.4M | — | ||
| Q1 25 | $291.9M | — | ||
| Q4 24 | $224.1M | — | ||
| Q3 24 | $252.5M | — | ||
| Q2 24 | $215.0M | — | ||
| Q1 24 | $209.8M | — |
| Q4 25 | $429.7M | $5.8B | ||
| Q3 25 | $434.4M | $5.7B | ||
| Q2 25 | $448.8M | $5.7B | ||
| Q1 25 | $439.6M | $5.7B | ||
| Q4 24 | $440.0M | $5.6B | ||
| Q3 24 | $456.2M | $5.6B | ||
| Q2 24 | $457.6M | $5.4B | ||
| Q1 24 | $458.3M | $5.2B |
| Q4 25 | $1.1B | $7.4B | ||
| Q3 25 | $1.2B | $7.4B | ||
| Q2 25 | $1.1B | $7.2B | ||
| Q1 25 | $1.2B | $7.2B | ||
| Q4 24 | $984.1M | $7.1B | ||
| Q3 24 | $1.0B | $7.1B | ||
| Q2 24 | $1.0B | $6.7B | ||
| Q1 24 | $1.0B | $6.6B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-12.4M | $856.1M |
| Free Cash FlowOCF − Capex | $-14.7M | $848.7M |
| FCF MarginFCF / Revenue | -8.0% | 271.7% |
| Capex IntensityCapex / Revenue | 1.2% | 2.4% |
| Cash ConversionOCF / Net Profit | — | 5.52× |
| TTM Free Cash FlowTrailing 4 quarters | $69.1M | $1.5B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-12.4M | $856.1M | ||
| Q3 25 | $10.3M | $215.9M | ||
| Q2 25 | $13.7M | $189.5M | ||
| Q1 25 | $66.6M | $221.6M | ||
| Q4 24 | $-3.2M | $861.5M | ||
| Q3 24 | $21.1M | $229.2M | ||
| Q2 24 | $4.5M | $188.7M | ||
| Q1 24 | $43.0M | $216.9M |
| Q4 25 | $-14.7M | $848.7M | ||
| Q3 25 | $7.7M | $210.6M | ||
| Q2 25 | $10.9M | $188.8M | ||
| Q1 25 | $65.3M | $221.3M | ||
| Q4 24 | $-3.9M | $854.8M | ||
| Q3 24 | $20.2M | $228.7M | ||
| Q2 24 | $2.7M | $187.6M | ||
| Q1 24 | $41.9M | $212.5M |
| Q4 25 | -8.0% | 271.7% | ||
| Q3 25 | 3.8% | 67.5% | ||
| Q2 25 | 5.6% | 59.2% | ||
| Q1 25 | 35.7% | 69.7% | ||
| Q4 24 | -2.5% | 271.3% | ||
| Q3 24 | 11.8% | 72.2% | ||
| Q2 24 | 1.7% | 60.0% | ||
| Q1 24 | 28.8% | 71.2% |
| Q4 25 | 1.2% | 2.4% | ||
| Q3 25 | 1.3% | 1.7% | ||
| Q2 25 | 1.5% | 0.2% | ||
| Q1 25 | 0.7% | 0.1% | ||
| Q4 24 | 0.4% | 2.1% | ||
| Q3 24 | 0.6% | 0.2% | ||
| Q2 24 | 1.1% | 0.3% | ||
| Q1 24 | 0.7% | 1.5% |
| Q4 25 | — | 5.52× | ||
| Q3 25 | — | 1.31× | ||
| Q2 25 | — | 0.97× | ||
| Q1 25 | — | 1.26× | ||
| Q4 24 | — | 5.13× | ||
| Q3 24 | — | 1.30× | ||
| Q2 24 | — | 0.93× | ||
| Q1 24 | — | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ACVA
| Auction Marketplace Revenue | $77.6M | 42% |
| Other Marketplace Revenue | $72.4M | 39% |
| Customer Assurance | $24.1M | 13% |
| Data Services Revenue | $9.4M | 5% |
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
