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Side-by-side financial comparison of Andersons, Inc. (ANDE) and Essent Group Ltd. (ESNT). Click either name above to swap in a different company.
Andersons, Inc. is the larger business by last-quarter revenue ($329.5M vs $312.4M, roughly 1.1× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 20.5%, a 29.1% gap on every dollar of revenue. On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -2.4%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-77.1M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs -1.8%).
The Andersons, Inc. is an American agribusiness established in 1947, that began as Andersons Truck Terminal (ATT) in the 1940s for the grain industry, headquartered in Maumee, Ohio. It is a diversified company rooted in agriculture that conducts business in the commodity merchandising, renewables, and plant nutrient sectors.
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.
ANDE vs ESNT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $329.5M | $312.4M |
| Net Profit | $67.4M | $155.0M |
| Gross Margin | 70.3% | — |
| Operating Margin | 26.6% | 59.1% |
| Net Margin | 20.5% | 49.6% |
| Revenue YoY | -2.4% | -0.8% |
| Net Profit YoY | 49.6% | -7.7% |
| EPS (diluted) | — | $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 | $329.5M | $312.4M | ||
| Q3 25 | $295.8M | $311.8M | ||
| Q2 25 | $535.0M | $319.1M | ||
| Q1 25 | $370.8M | $317.6M | ||
| Q4 24 | $337.5M | $315.0M | ||
| Q3 24 | $231.9M | $316.6M | ||
| Q2 24 | $492.5M | $312.9M | ||
| Q1 24 | $341.4M | $298.4M |
| Q4 25 | $67.4M | $155.0M | ||
| Q3 25 | $20.1M | $164.2M | ||
| Q2 25 | $7.9M | $195.3M | ||
| Q1 25 | $284.0K | $175.4M | ||
| Q4 24 | $45.1M | $167.9M | ||
| Q3 24 | $27.4M | $176.2M | ||
| Q2 24 | $36.0M | $203.6M | ||
| Q1 24 | $5.6M | $181.7M |
| Q4 25 | 70.3% | — | ||
| Q3 25 | 57.8% | — | ||
| Q2 25 | 29.6% | — | ||
| Q1 25 | 41.2% | — | ||
| Q4 24 | 63.1% | — | ||
| Q3 24 | 76.4% | — | ||
| Q2 24 | 35.6% | — | ||
| Q1 24 | 37.6% | — |
| Q4 25 | 26.6% | 59.1% | ||
| Q3 25 | 8.7% | 63.9% | ||
| Q2 25 | 4.6% | 72.4% | ||
| Q1 25 | 0.9% | 65.2% | ||
| Q4 24 | 19.9% | 61.9% | ||
| Q3 24 | 26.8% | 65.6% | ||
| Q2 24 | 11.6% | 76.4% | ||
| Q1 24 | 4.1% | 71.6% |
| Q4 25 | 20.5% | 49.6% | ||
| Q3 25 | 6.8% | 52.7% | ||
| Q2 25 | 1.5% | 61.2% | ||
| Q1 25 | 0.1% | 55.2% | ||
| Q4 24 | 13.4% | 53.3% | ||
| Q3 24 | 11.8% | 55.6% | ||
| Q2 24 | 7.3% | 65.1% | ||
| Q1 24 | 1.6% | 60.9% |
| Q4 25 | — | $1.61 | ||
| Q3 25 | $0.59 | $1.67 | ||
| Q2 25 | $0.23 | $1.93 | ||
| Q1 25 | $0.01 | $1.69 | ||
| Q4 24 | $1.31 | $1.59 | ||
| Q3 24 | $0.80 | $1.65 | ||
| Q2 24 | $1.05 | $1.91 | ||
| Q1 24 | $0.16 | $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 | $98.3M | — |
| Total DebtLower is stronger | $560.0M | — |
| Stockholders' EquityBook value | $1.2B | $5.8B |
| Total Assets | $3.7B | $7.4B |
| Debt / EquityLower = less leverage | 0.45× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $561.8M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $560.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $608.2M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $1.2B | $5.8B | ||
| Q3 25 | $1.2B | $5.7B | ||
| Q2 25 | $1.4B | $5.7B | ||
| Q1 25 | $1.4B | $5.7B | ||
| Q4 24 | $1.4B | $5.6B | ||
| Q3 24 | $1.3B | $5.6B | ||
| Q2 24 | $1.3B | $5.4B | ||
| Q1 24 | $1.3B | $5.2B |
| Q4 25 | $3.7B | $7.4B | ||
| Q3 25 | $3.3B | $7.4B | ||
| Q2 25 | $3.4B | $7.2B | ||
| Q1 25 | $3.8B | $7.2B | ||
| Q4 24 | $4.1B | $7.1B | ||
| Q3 24 | $3.4B | $7.1B | ||
| Q2 24 | $3.3B | $6.7B | ||
| Q1 24 | $3.3B | $6.6B |
| Q4 25 | 0.45× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.45× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $-6.2M | $856.1M |
| Free Cash FlowOCF − Capex | $-77.1M | $848.7M |
| FCF MarginFCF / Revenue | -23.4% | 271.7% |
| Capex IntensityCapex / Revenue | 21.5% | 2.4% |
| Cash ConversionOCF / Net Profit | -0.09× | 5.52× |
| TTM Free Cash FlowTrailing 4 quarters | $-56.1M | $1.5B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-6.2M | $856.1M | ||
| Q3 25 | $233.9M | $215.9M | ||
| Q2 25 | $299.3M | $189.5M | ||
| Q1 25 | $-350.0M | $221.6M | ||
| Q4 24 | $268.8M | $861.5M | ||
| Q3 24 | $-2.1M | $229.2M | ||
| Q2 24 | $304.4M | $188.7M | ||
| Q1 24 | $-239.6M | $216.9M |
| Q4 25 | $-77.1M | $848.7M | ||
| Q3 25 | $167.0M | $210.6M | ||
| Q2 25 | $250.5M | $188.8M | ||
| Q1 25 | $-396.6M | $221.3M | ||
| Q4 24 | $212.9M | $854.8M | ||
| Q3 24 | $-40.0M | $228.7M | ||
| Q2 24 | $275.8M | $187.6M | ||
| Q1 24 | $-266.4M | $212.5M |
| Q4 25 | -23.4% | 271.7% | ||
| Q3 25 | 56.5% | 67.5% | ||
| Q2 25 | 46.8% | 59.2% | ||
| Q1 25 | -106.9% | 69.7% | ||
| Q4 24 | 63.1% | 271.3% | ||
| Q3 24 | -17.2% | 72.2% | ||
| Q2 24 | 56.0% | 60.0% | ||
| Q1 24 | -78.0% | 71.2% |
| Q4 25 | 21.5% | 2.4% | ||
| Q3 25 | 22.6% | 1.7% | ||
| Q2 25 | 9.1% | 0.2% | ||
| Q1 25 | 12.6% | 0.1% | ||
| Q4 24 | 16.6% | 2.1% | ||
| Q3 24 | 16.3% | 0.2% | ||
| Q2 24 | 5.8% | 0.3% | ||
| Q1 24 | 7.8% | 1.5% |
| Q4 25 | -0.09× | 5.52× | ||
| Q3 25 | 11.61× | 1.31× | ||
| Q2 25 | 38.10× | 0.97× | ||
| Q1 25 | -1232.46× | 1.26× | ||
| Q4 24 | 5.96× | 5.13× | ||
| Q3 24 | -0.08× | 1.30× | ||
| Q2 24 | 8.46× | 0.93× | ||
| Q1 24 | -42.94× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ANDE
| Specialty And Primary Nutrients | $137.1M | 42% |
| Premium Ingredients | $66.1M | 20% |
| Segment Reporting Reconciling Item Other | $63.2M | 19% |
| Other | $63.1M | 19% |
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
