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Side-by-side financial comparison of DELUXE CORP (DLX) and Essent Group Ltd. (ESNT). Click either name above to swap in a different company.
DELUXE CORP is the larger business by last-quarter revenue ($535.2M vs $312.4M, roughly 1.7× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 2.2%, a 47.4% gap on every dollar of revenue. On growth, DELUXE CORP posted the faster year-over-year revenue change (2.8% vs -0.8%). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs 0.0%).
Deluxe Corporation is an American company that provides payment processing, data services, checks and promotional products, and merchant services. It operates in four divisions: B2B payments, data, print, and merchant services. As of 2025, the company serves millions of small businesses and thousands of financial institutions, processing more than $2.8 trillion in payments annually. While its legacy business centers on check printing and other printed products, payments and data services now ...
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.
DLX vs ESNT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $535.2M | $312.4M |
| Net Profit | $12.0M | $155.0M |
| Gross Margin | 52.2% | — |
| Operating Margin | 8.9% | 59.1% |
| Net Margin | 2.2% | 49.6% |
| Revenue YoY | 2.8% | -0.8% |
| Net Profit YoY | -5.0% | -7.7% |
| EPS (diluted) | $0.25 | $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 | $535.2M | $312.4M | ||
| Q3 25 | $540.2M | $311.8M | ||
| Q2 25 | $521.3M | $319.1M | ||
| Q1 25 | $536.5M | $317.6M | ||
| Q4 24 | $520.6M | $315.0M | ||
| Q3 24 | $528.4M | $316.6M | ||
| Q2 24 | $537.8M | $312.9M | ||
| Q1 24 | $535.0M | $298.4M |
| Q4 25 | $12.0M | $155.0M | ||
| Q3 25 | $33.7M | $164.2M | ||
| Q2 25 | $22.4M | $195.3M | ||
| Q1 25 | $14.0M | $175.4M | ||
| Q4 24 | $12.6M | $167.9M | ||
| Q3 24 | $8.9M | $176.2M | ||
| Q2 24 | $20.5M | $203.6M | ||
| Q1 24 | $10.8M | $181.7M |
| Q4 25 | 52.2% | — | ||
| Q3 25 | 53.9% | — | ||
| Q2 25 | 53.6% | — | ||
| Q1 25 | 52.4% | — | ||
| Q4 24 | 52.3% | — | ||
| Q3 24 | 53.3% | — | ||
| Q2 24 | 53.7% | — | ||
| Q1 24 | 53.0% | — |
| Q4 25 | 8.9% | 59.1% | ||
| Q3 25 | 14.0% | 63.9% | ||
| Q2 25 | 11.7% | 72.4% | ||
| Q1 25 | 9.0% | 65.2% | ||
| Q4 24 | 9.0% | 61.9% | ||
| Q3 24 | 7.9% | 65.6% | ||
| Q2 24 | 11.0% | 76.4% | ||
| Q1 24 | 8.3% | 71.6% |
| Q4 25 | 2.2% | 49.6% | ||
| Q3 25 | 6.2% | 52.7% | ||
| Q2 25 | 4.3% | 61.2% | ||
| Q1 25 | 2.6% | 55.2% | ||
| Q4 24 | 2.4% | 53.3% | ||
| Q3 24 | 1.7% | 55.6% | ||
| Q2 24 | 3.8% | 65.1% | ||
| Q1 24 | 2.0% | 60.9% |
| Q4 25 | $0.25 | $1.61 | ||
| Q3 25 | $0.74 | $1.67 | ||
| Q2 25 | $0.50 | $1.93 | ||
| Q1 25 | $0.31 | $1.69 | ||
| Q4 24 | $0.28 | $1.59 | ||
| Q3 24 | $0.20 | $1.65 | ||
| Q2 24 | $0.46 | $1.91 | ||
| Q1 24 | $0.24 | $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 | $36.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $680.7M | $5.8B |
| Total Assets | $2.9B | $7.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $36.9M | — | ||
| Q3 25 | $25.8M | — | ||
| Q2 25 | $26.0M | — | ||
| Q1 25 | $30.3M | — | ||
| Q4 24 | $34.4M | — | ||
| Q3 24 | $41.3M | — | ||
| Q2 24 | $23.1M | — | ||
| Q1 24 | $23.5M | — |
| Q4 25 | $680.7M | $5.8B | ||
| Q3 25 | $664.1M | $5.7B | ||
| Q2 25 | $638.7M | $5.7B | ||
| Q1 25 | $622.5M | $5.7B | ||
| Q4 24 | $620.9M | $5.6B | ||
| Q3 24 | $612.7M | $5.6B | ||
| Q2 24 | $620.5M | $5.4B | ||
| Q1 24 | $608.4M | $5.2B |
| Q4 25 | $2.9B | $7.4B | ||
| Q3 25 | $2.6B | $7.4B | ||
| Q2 25 | $2.5B | $7.2B | ||
| Q1 25 | $2.6B | $7.2B | ||
| Q4 24 | $2.8B | $7.1B | ||
| Q3 24 | $2.6B | $7.1B | ||
| Q2 24 | $2.7B | $6.7B | ||
| Q1 24 | $2.7B | $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 | $102.1M | $856.1M |
| Free Cash FlowOCF − Capex | — | $848.7M |
| FCF MarginFCF / Revenue | — | 271.7% |
| Capex IntensityCapex / Revenue | — | 2.4% |
| Cash ConversionOCF / Net Profit | 8.53× | 5.52× |
| TTM Free Cash FlowTrailing 4 quarters | — | $1.5B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $102.1M | $856.1M | ||
| Q3 25 | $67.1M | $215.9M | ||
| Q2 25 | $51.1M | $189.5M | ||
| Q1 25 | $50.3M | $221.6M | ||
| Q4 24 | $60.2M | $861.5M | ||
| Q3 24 | $67.9M | $229.2M | ||
| Q2 24 | $39.6M | $188.7M | ||
| Q1 24 | $26.6M | $216.9M |
| Q4 25 | — | $848.7M | ||
| Q3 25 | — | $210.6M | ||
| Q2 25 | $27.8M | $188.8M | ||
| Q1 25 | $24.3M | $221.3M | ||
| Q4 24 | — | $854.8M | ||
| Q3 24 | $46.7M | $228.7M | ||
| Q2 24 | $11.4M | $187.6M | ||
| Q1 24 | $6.1M | $212.5M |
| Q4 25 | — | 271.7% | ||
| Q3 25 | — | 67.5% | ||
| Q2 25 | 5.3% | 59.2% | ||
| Q1 25 | 4.5% | 69.7% | ||
| Q4 24 | — | 271.3% | ||
| Q3 24 | 8.8% | 72.2% | ||
| Q2 24 | 2.1% | 60.0% | ||
| Q1 24 | 1.1% | 71.2% |
| Q4 25 | — | 2.4% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | 4.5% | 0.2% | ||
| Q1 25 | 4.8% | 0.1% | ||
| Q4 24 | — | 2.1% | ||
| Q3 24 | 4.0% | 0.2% | ||
| Q2 24 | 5.2% | 0.3% | ||
| Q1 24 | 3.8% | 1.5% |
| Q4 25 | 8.53× | 5.52× | ||
| Q3 25 | 1.99× | 1.31× | ||
| Q2 25 | 2.28× | 0.97× | ||
| Q1 25 | 3.59× | 1.26× | ||
| Q4 24 | 4.77× | 5.13× | ||
| Q3 24 | 7.60× | 1.30× | ||
| Q2 24 | 1.94× | 0.93× | ||
| Q1 24 | 2.46× | 1.19× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
DLX
| Services | $247.9M | 46% |
| B2B Payments | $76.3M | 14% |
| Datadrivenmarketingsolutions | $68.5M | 13% |
| Promotional Solutions Revenue | $60.9M | 11% |
| Treasurymanagementsolutions | $59.8M | 11% |
| Other | $17.3M | 3% |
| Other Web Based Solutions | $4.6M | 1% |
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
