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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and MBIA INC (MBI). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $28.0M, roughly 11.2× MBIA INC). Essent Group Ltd. runs the higher net margin — 49.6% vs -182.1%, a 231.8% gap on every dollar of revenue. On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -24.3%). Over the past eight quarters, MBIA INC's revenue compounded faster (46.8% 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.
MBIA Inc. is an American financial services company. It was founded in 1973 as the Municipal Bond Insurance Association. It is headquartered in Purchase, New York, and as of January 1, 2015 had approximately 180 employees. MBIA is the largest bond insurer.
ESNT vs MBI — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $28.0M |
| Net Profit | $155.0M | $-51.0M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | -200.0% |
| Net Margin | 49.6% | -182.1% |
| Revenue YoY | -0.8% | -24.3% |
| Net Profit YoY | -7.7% | -106.1% |
| EPS (diluted) | $1.61 | $-1.01 |
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 | $28.0M | ||
| Q3 25 | $311.8M | $15.0M | ||
| Q2 25 | $319.1M | $23.0M | ||
| Q1 25 | $317.6M | $14.0M | ||
| Q4 24 | $315.0M | $37.0M | ||
| Q3 24 | $316.6M | $29.0M | ||
| Q2 24 | $312.9M | $-37.0M | ||
| Q1 24 | $298.4M | $13.0M |
| Q4 25 | $155.0M | $-51.0M | ||
| Q3 25 | $164.2M | $-8.0M | ||
| Q2 25 | $195.3M | $-56.0M | ||
| Q1 25 | $175.4M | $-62.0M | ||
| Q4 24 | $167.9M | $831.0M | ||
| Q3 24 | $176.2M | $-56.0M | ||
| Q2 24 | $203.6M | $-254.0M | ||
| Q1 24 | $181.7M | $-86.0M |
| Q4 25 | 59.1% | -200.0% | ||
| Q3 25 | 63.9% | -46.7% | ||
| Q2 25 | 72.4% | -243.5% | ||
| Q1 25 | 65.2% | -442.9% | ||
| Q4 24 | 61.9% | -135.1% | ||
| Q3 24 | 65.6% | -175.9% | ||
| Q2 24 | 76.4% | 683.8% | ||
| Q1 24 | 71.6% | -669.2% |
| Q4 25 | 49.6% | -182.1% | ||
| Q3 25 | 52.7% | -53.3% | ||
| Q2 25 | 61.2% | -243.5% | ||
| Q1 25 | 55.2% | -442.9% | ||
| Q4 24 | 53.3% | 2245.9% | ||
| Q3 24 | 55.6% | -193.1% | ||
| Q2 24 | 65.1% | 686.5% | ||
| Q1 24 | 60.9% | -661.5% |
| Q4 25 | $1.61 | $-1.01 | ||
| Q3 25 | $1.67 | $-0.17 | ||
| Q2 25 | $1.93 | $-1.12 | ||
| Q1 25 | $1.69 | $-1.28 | ||
| Q4 24 | $1.59 | $-1.07 | ||
| Q3 24 | $1.65 | $-1.18 | ||
| Q2 24 | $1.91 | $-5.34 | ||
| Q1 24 | $1.70 | $-1.84 |
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 | — | — |
| Stockholders' EquityBook value | $5.8B | $-2.2B |
| Total Assets | $7.4B | $2.0B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.8B | $-2.2B | ||
| Q3 25 | $5.7B | $-2.2B | ||
| Q2 25 | $5.7B | $-2.2B | ||
| Q1 25 | $5.7B | $-2.1B | ||
| Q4 24 | $5.6B | $-2.1B | ||
| Q3 24 | $5.6B | $-2.0B | ||
| Q2 24 | $5.4B | $-2.0B | ||
| Q1 24 | $5.2B | $-1.7B |
| Q4 25 | $7.4B | $2.0B | ||
| Q3 25 | $7.4B | $2.1B | ||
| Q2 25 | $7.2B | $2.1B | ||
| Q1 25 | $7.2B | $2.1B | ||
| Q4 24 | $7.1B | $2.2B | ||
| Q3 24 | $7.1B | $2.2B | ||
| Q2 24 | $6.7B | $2.3B | ||
| Q1 24 | $6.6B | $2.5B |
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 | $229.1M | $-10.0M |
| Free Cash FlowOCF − Capex | $228.0M | — |
| FCF MarginFCF / Revenue | 73.0% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | 1.48× | — |
| TTM Free Cash FlowTrailing 4 quarters | $848.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $229.1M | $-10.0M | ||
| Q3 25 | $215.9M | $90.0M | ||
| Q2 25 | $189.5M | $1.0M | ||
| Q1 25 | $221.6M | $-43.0M | ||
| Q4 24 | $226.7M | $3.0M | ||
| Q3 24 | $229.2M | $-139.0M | ||
| Q2 24 | $188.7M | $-10.0M | ||
| Q1 24 | $216.9M | $-30.0M |
| Q4 25 | $228.0M | — | ||
| Q3 25 | $210.6M | — | ||
| Q2 25 | $188.8M | — | ||
| Q1 25 | $221.3M | — | ||
| Q4 24 | $226.0M | — | ||
| Q3 24 | $228.7M | — | ||
| Q2 24 | $187.6M | — | ||
| Q1 24 | $212.5M | — |
| Q4 25 | 73.0% | — | ||
| Q3 25 | 67.5% | — | ||
| Q2 25 | 59.2% | — | ||
| Q1 25 | 69.7% | — | ||
| Q4 24 | 71.7% | — | ||
| Q3 24 | 72.2% | — | ||
| Q2 24 | 60.0% | — | ||
| Q1 24 | 71.2% | — |
| Q4 25 | 0.4% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | 1.48× | — | ||
| Q3 25 | 1.31× | — | ||
| Q2 25 | 0.97× | — | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | 1.35× | 0.00× | ||
| 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
Segment breakdown not available.
MBI
| US Public Finance Insurance | $15.0M | 54% |
| Corporate Operations | $7.0M | 25% |
| International And Structured Finance Insurance | $5.0M | 18% |
| Other | $1.0M | 4% |
