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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and FIRST INTERSTATE BANCSYSTEM INC (FIBK). Click either name above to swap in a different company.
FIRST INTERSTATE BANCSYSTEM INC is the larger business by last-quarter revenue ($313.0M vs $312.4M, roughly 1.0× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 34.8%, a 14.8% gap on every dollar of revenue. On growth, FIRST INTERSTATE BANCSYSTEM INC posted the faster year-over-year revenue change (19.8% vs -0.8%). Over the past eight quarters, FIRST INTERSTATE BANCSYSTEM INC's revenue compounded faster (13.7% CAGR vs 2.3%).
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.
First Interstate BancSystem, Inc. is a financial holding company headquartered in Billings, Montana. It is the parent company of First Interstate Bank, a community bank with locations throughout 14 states within the Western and Midwestern United States. It is the largest bank based in Montana, as measured by total assets.
ESNT vs FIBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $313.0M |
| Net Profit | $155.0M | $108.8M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | 44.5% |
| Net Margin | 49.6% | 34.8% |
| Revenue YoY | -0.8% | 19.8% |
| Net Profit YoY | -7.7% | 108.8% |
| EPS (diluted) | $1.61 | $1.07 |
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 | $312.4M | $313.0M | ||
| Q3 25 | $311.8M | $250.5M | ||
| Q2 25 | $319.1M | $248.3M | ||
| Q1 25 | $317.6M | $247.0M | ||
| Q4 24 | $315.0M | $261.3M | ||
| Q3 24 | $316.6M | $251.9M | ||
| Q2 24 | $312.9M | $244.3M | ||
| Q1 24 | $298.4M | $242.2M |
| Q4 25 | $155.0M | $108.8M | ||
| Q3 25 | $164.2M | $71.4M | ||
| Q2 25 | $195.3M | $71.7M | ||
| Q1 25 | $175.4M | $50.2M | ||
| Q4 24 | $167.9M | $52.1M | ||
| Q3 24 | $176.2M | $55.5M | ||
| Q2 24 | $203.6M | $60.0M | ||
| Q1 24 | $181.7M | $58.4M |
| Q4 25 | 59.1% | 44.5% | ||
| Q3 25 | 63.9% | 37.0% | ||
| Q2 25 | 72.4% | 37.7% | ||
| Q1 25 | 65.2% | 26.9% | ||
| Q4 24 | 61.9% | 25.5% | ||
| Q3 24 | 65.6% | 28.9% | ||
| Q2 24 | 76.4% | 32.1% | ||
| Q1 24 | 71.6% | 31.7% |
| Q4 25 | 49.6% | 34.8% | ||
| Q3 25 | 52.7% | 28.5% | ||
| Q2 25 | 61.2% | 28.9% | ||
| Q1 25 | 55.2% | 20.3% | ||
| Q4 24 | 53.3% | 19.9% | ||
| Q3 24 | 55.6% | 22.0% | ||
| Q2 24 | 65.1% | 24.6% | ||
| Q1 24 | 60.9% | 24.1% |
| Q4 25 | $1.61 | $1.07 | ||
| Q3 25 | $1.67 | $0.69 | ||
| Q2 25 | $1.93 | $0.69 | ||
| Q1 25 | $1.69 | $0.49 | ||
| Q4 24 | $1.59 | $0.50 | ||
| Q3 24 | $1.65 | $0.54 | ||
| Q2 24 | $1.91 | $0.58 | ||
| Q1 24 | $1.70 | $0.57 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $146.3M |
| Stockholders' EquityBook value | $5.8B | $3.4B |
| Total Assets | $7.4B | $26.6B |
| Debt / EquityLower = less leverage | — | 0.04× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $146.3M | ||
| Q3 25 | — | $146.2M | ||
| Q2 25 | — | $252.0M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $132.2M | ||
| Q3 24 | — | $137.3M | ||
| Q2 24 | — | $383.4M | ||
| Q1 24 | — | $370.8M |
| Q4 25 | $5.8B | $3.4B | ||
| Q3 25 | $5.7B | $3.4B | ||
| Q2 25 | $5.7B | $3.4B | ||
| Q1 25 | $5.7B | $3.4B | ||
| Q4 24 | $5.6B | $3.3B | ||
| Q3 24 | $5.6B | $3.4B | ||
| Q2 24 | $5.4B | $3.2B | ||
| Q1 24 | $5.2B | $3.2B |
| Q4 25 | $7.4B | $26.6B | ||
| Q3 25 | $7.4B | $27.3B | ||
| Q2 25 | $7.2B | $27.6B | ||
| Q1 25 | $7.2B | $28.3B | ||
| Q4 24 | $7.1B | $29.1B | ||
| Q3 24 | $7.1B | $29.6B | ||
| Q2 24 | $6.7B | $30.3B | ||
| Q1 24 | $6.6B | $30.1B |
| Q4 25 | — | 0.04× | ||
| Q3 25 | — | 0.04× | ||
| Q2 25 | — | 0.07× | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.12× | ||
| Q1 24 | — | 0.12× |
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 | $856.1M | $305.6M |
| Free Cash FlowOCF − Capex | $848.7M | — |
| FCF MarginFCF / Revenue | 271.7% | — |
| Capex IntensityCapex / Revenue | 2.4% | — |
| Cash ConversionOCF / Net Profit | 5.52× | 2.81× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $305.6M | ||
| Q3 25 | $215.9M | $91.7M | ||
| Q2 25 | $189.5M | $68.1M | ||
| Q1 25 | $221.6M | $78.5M | ||
| Q4 24 | $861.5M | $355.0M | ||
| Q3 24 | $229.2M | $89.9M | ||
| Q2 24 | $188.7M | $82.3M | ||
| Q1 24 | $216.9M | $87.6M |
| Q4 25 | $848.7M | — | ||
| Q3 25 | $210.6M | — | ||
| Q2 25 | $188.8M | — | ||
| Q1 25 | $221.3M | — | ||
| Q4 24 | $854.8M | — | ||
| Q3 24 | $228.7M | — | ||
| Q2 24 | $187.6M | — | ||
| Q1 24 | $212.5M | — |
| Q4 25 | 271.7% | — | ||
| Q3 25 | 67.5% | — | ||
| Q2 25 | 59.2% | — | ||
| Q1 25 | 69.7% | — | ||
| Q4 24 | 271.3% | — | ||
| Q3 24 | 72.2% | — | ||
| Q2 24 | 60.0% | — | ||
| Q1 24 | 71.2% | — |
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | 5.52× | 2.81× | ||
| Q3 25 | 1.31× | 1.28× | ||
| Q2 25 | 0.97× | 0.95× | ||
| Q1 25 | 1.26× | 1.56× | ||
| Q4 24 | 5.13× | 6.81× | ||
| Q3 24 | 1.30× | 1.62× | ||
| Q2 24 | 0.93× | 1.37× | ||
| Q1 24 | 1.19× | 1.50× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
FIBK
Segment breakdown not available.
