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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and iRhythm Holdings, Inc. (IRTC). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $208.9M, roughly 1.5× iRhythm Holdings, Inc.). Essent Group Ltd. runs the higher net margin — 49.6% vs 2.7%, a 46.9% gap on every dollar of revenue. On growth, iRhythm Holdings, Inc. posted the faster year-over-year revenue change (27.1% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $14.5M). Over the past eight quarters, iRhythm Holdings, Inc.'s revenue compounded faster (25.8% 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.
iRhythm Holdings is a digital healthcare company focused on cardiac care, developing and commercializing wearable ambulatory heart monitoring devices paired with AI-powered analytical tools. It primarily serves healthcare providers and patients across the United States, helping to detect undiagnosed arrhythmias such as atrial fibrillation through convenient long-term heart rhythm tracking that delivers actionable clinical insights.
ESNT vs IRTC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $208.9M |
| Net Profit | $155.0M | $5.6M |
| Gross Margin | — | 70.9% |
| Operating Margin | 59.1% | 1.1% |
| Net Margin | 49.6% | 2.7% |
| Revenue YoY | -0.8% | 27.1% |
| Net Profit YoY | -7.7% | 518.5% |
| EPS (diluted) | $1.61 | $0.18 |
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 | $208.9M | ||
| Q3 25 | $311.8M | $192.9M | ||
| Q2 25 | $319.1M | $186.7M | ||
| Q1 25 | $317.6M | $158.7M | ||
| Q4 24 | $315.0M | $164.3M | ||
| Q3 24 | $316.6M | $147.5M | ||
| Q2 24 | $312.9M | $148.0M | ||
| Q1 24 | $298.4M | $131.9M |
| Q4 25 | $155.0M | $5.6M | ||
| Q3 25 | $164.2M | $-5.2M | ||
| Q2 25 | $195.3M | $-14.2M | ||
| Q1 25 | $175.4M | $-30.7M | ||
| Q4 24 | $167.9M | $-1.3M | ||
| Q3 24 | $176.2M | $-46.2M | ||
| Q2 24 | $203.6M | $-20.1M | ||
| Q1 24 | $181.7M | $-45.7M |
| Q4 25 | — | 70.9% | ||
| Q3 25 | — | 71.1% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 68.8% | ||
| Q4 24 | — | 70.0% | ||
| Q3 24 | — | 68.8% | ||
| Q2 24 | — | 69.9% | ||
| Q1 24 | — | 66.3% |
| Q4 25 | 59.1% | 1.1% | ||
| Q3 25 | 63.9% | -4.4% | ||
| Q2 25 | 72.4% | -10.0% | ||
| Q1 25 | 65.2% | -20.5% | ||
| Q4 24 | 61.9% | -2.5% | ||
| Q3 24 | 65.6% | -34.1% | ||
| Q2 24 | 76.4% | -15.5% | ||
| Q1 24 | 71.6% | -28.9% |
| Q4 25 | 49.6% | 2.7% | ||
| Q3 25 | 52.7% | -2.7% | ||
| Q2 25 | 61.2% | -7.6% | ||
| Q1 25 | 55.2% | -19.3% | ||
| Q4 24 | 53.3% | -0.8% | ||
| Q3 24 | 55.6% | -31.3% | ||
| Q2 24 | 65.1% | -13.6% | ||
| Q1 24 | 60.9% | -34.6% |
| Q4 25 | $1.61 | $0.18 | ||
| Q3 25 | $1.67 | $-0.16 | ||
| Q2 25 | $1.93 | $-0.44 | ||
| Q1 25 | $1.69 | $-0.97 | ||
| Q4 24 | $1.59 | $-0.03 | ||
| Q3 24 | $1.65 | $-1.48 | ||
| Q2 24 | $1.91 | $-0.65 | ||
| Q1 24 | $1.70 | $-1.47 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $583.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $152.7M |
| Total Assets | $7.4B | $1.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $583.8M | ||
| Q3 25 | — | $565.2M | ||
| Q2 25 | — | $545.5M | ||
| Q1 25 | — | $520.6M | ||
| Q4 24 | — | $535.6M | ||
| Q3 24 | — | $522.0M | ||
| Q2 24 | — | $561.5M | ||
| Q1 24 | — | $569.1M |
| Q4 25 | $5.8B | $152.7M | ||
| Q3 25 | $5.7B | $121.9M | ||
| Q2 25 | $5.7B | $103.7M | ||
| Q1 25 | $5.7B | $86.7M | ||
| Q4 24 | $5.6B | $90.9M | ||
| Q3 24 | $5.6B | $71.8M | ||
| Q2 24 | $5.4B | $99.2M | ||
| Q1 24 | $5.2B | $90.3M |
| Q4 25 | $7.4B | $1.0B | ||
| Q3 25 | $7.4B | $995.2M | ||
| Q2 25 | $7.2B | $964.0M | ||
| Q1 25 | $7.2B | $926.1M | ||
| Q4 24 | $7.1B | $931.4M | ||
| Q3 24 | $7.1B | $909.7M | ||
| Q2 24 | $6.7B | $919.2M | ||
| Q1 24 | $6.6B | $909.8M |
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 | $26.2M |
| Free Cash FlowOCF − Capex | $848.7M | $14.5M |
| FCF MarginFCF / Revenue | 271.7% | 6.9% |
| Capex IntensityCapex / Revenue | 2.4% | 5.6% |
| Cash ConversionOCF / Net Profit | 5.52× | 4.70× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $26.2M | ||
| Q3 25 | $215.9M | $34.9M | ||
| Q2 25 | $189.5M | $27.7M | ||
| Q1 25 | $221.6M | $-7.9M | ||
| Q4 24 | $861.5M | $19.2M | ||
| Q3 24 | $229.2M | $24.3M | ||
| Q2 24 | $188.7M | $11.8M | ||
| Q1 24 | $216.9M | $-52.0M |
| Q4 25 | $848.7M | $14.5M | ||
| Q3 25 | $210.6M | $20.1M | ||
| Q2 25 | $188.8M | $17.3M | ||
| Q1 25 | $221.3M | $-17.3M | ||
| Q4 24 | $854.8M | $12.4M | ||
| Q3 24 | $228.7M | $15.5M | ||
| Q2 24 | $187.6M | $3.4M | ||
| Q1 24 | $212.5M | $-61.8M |
| Q4 25 | 271.7% | 6.9% | ||
| Q3 25 | 67.5% | 10.4% | ||
| Q2 25 | 59.2% | 9.3% | ||
| Q1 25 | 69.7% | -10.9% | ||
| Q4 24 | 271.3% | 7.5% | ||
| Q3 24 | 72.2% | 10.5% | ||
| Q2 24 | 60.0% | 2.3% | ||
| Q1 24 | 71.2% | -46.8% |
| Q4 25 | 2.4% | 5.6% | ||
| Q3 25 | 1.7% | 7.7% | ||
| Q2 25 | 0.2% | 5.6% | ||
| Q1 25 | 0.1% | 5.9% | ||
| Q4 24 | 2.1% | 4.2% | ||
| Q3 24 | 0.2% | 6.0% | ||
| Q2 24 | 0.3% | 5.7% | ||
| Q1 24 | 1.5% | 7.4% |
| Q4 25 | 5.52× | 4.70× | ||
| 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
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
IRTC
| Commercial Payors | $111.7M | 53% |
| Centers For Medicare And Medicaid | $49.2M | 24% |
| Healthcare Institutions | $34.3M | 16% |
| Non Contracted Third Party Payors | $13.7M | 7% |
