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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and MGIC INVESTMENT CORP (MTG). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $298.7M, roughly 1.0× MGIC INVESTMENT CORP). MGIC INVESTMENT CORP runs the higher net margin — 56.7% vs 49.6%, a 7.1% gap on every dollar of revenue. On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -0.9%). MGIC INVESTMENT CORP produced more free cash flow last quarter ($230.2M vs $228.0M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs 0.7%).
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.
MGIC Investment Corporation NYSE: MTG ("MGIC") is a provider of private mortgage insurance in the United States. The company is headquartered in Milwaukee, Wisconsin.
ESNT vs MTG — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $298.7M |
| Net Profit | $155.0M | $169.3M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | 71.2% |
| Net Margin | 49.6% | 56.7% |
| Revenue YoY | -0.8% | -0.9% |
| Net Profit YoY | -7.7% | -8.3% |
| EPS (diluted) | $1.61 | $0.75 |
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 | $298.7M | ||
| Q3 25 | $311.8M | $304.5M | ||
| Q2 25 | $319.1M | $304.2M | ||
| Q1 25 | $317.6M | $306.2M | ||
| Q4 24 | $315.0M | $301.4M | ||
| Q3 24 | $316.6M | $306.6M | ||
| Q2 24 | $312.9M | $305.3M | ||
| Q1 24 | $298.4M | $294.4M |
| Q4 25 | $155.0M | $169.3M | ||
| Q3 25 | $164.2M | $191.1M | ||
| Q2 25 | $195.3M | $192.5M | ||
| Q1 25 | $175.4M | $185.5M | ||
| Q4 24 | $167.9M | $184.7M | ||
| Q3 24 | $176.2M | $200.0M | ||
| Q2 24 | $203.6M | $204.2M | ||
| Q1 24 | $181.7M | $174.1M |
| Q4 25 | 59.1% | 71.2% | ||
| Q3 25 | 63.9% | 77.2% | ||
| Q2 25 | 72.4% | 80.9% | ||
| Q1 25 | 65.2% | 76.6% | ||
| Q4 24 | 61.9% | 77.9% | ||
| Q3 24 | 65.6% | 82.9% | ||
| Q2 24 | 76.4% | 85.1% | ||
| Q1 24 | 71.6% | 74.7% |
| Q4 25 | 49.6% | 56.7% | ||
| Q3 25 | 52.7% | 62.8% | ||
| Q2 25 | 61.2% | 63.3% | ||
| Q1 25 | 55.2% | 60.6% | ||
| Q4 24 | 53.3% | 61.3% | ||
| Q3 24 | 55.6% | 65.2% | ||
| Q2 24 | 65.1% | 66.9% | ||
| Q1 24 | 60.9% | 59.1% |
| Q4 25 | $1.61 | $0.75 | ||
| Q3 25 | $1.67 | $0.83 | ||
| Q2 25 | $1.93 | $0.81 | ||
| Q1 25 | $1.69 | $0.75 | ||
| Q4 24 | $1.59 | $0.71 | ||
| Q3 24 | $1.65 | $0.77 | ||
| Q2 24 | $1.91 | $0.77 | ||
| Q1 24 | $1.70 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $369.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $5.1B |
| Total Assets | $7.4B | $6.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $369.0M | ||
| Q3 25 | — | $266.9M | ||
| Q2 25 | — | $294.9M | ||
| Q1 25 | — | $207.0M | ||
| Q4 24 | — | $229.5M | ||
| Q3 24 | — | $288.6M | ||
| Q2 24 | — | $281.8M | ||
| Q1 24 | — | $431.3M |
| Q4 25 | $5.8B | $5.1B | ||
| Q3 25 | $5.7B | $5.2B | ||
| Q2 25 | $5.7B | $5.2B | ||
| Q1 25 | $5.7B | $5.1B | ||
| Q4 24 | $5.6B | $5.2B | ||
| Q3 24 | $5.6B | $5.3B | ||
| Q2 24 | $5.4B | $5.1B | ||
| Q1 24 | $5.2B | $5.1B |
| Q4 25 | $7.4B | $6.6B | ||
| Q3 25 | $7.4B | $6.6B | ||
| Q2 25 | $7.2B | $6.5B | ||
| Q1 25 | $7.2B | $6.5B | ||
| Q4 24 | $7.1B | $6.5B | ||
| Q3 24 | $7.1B | $6.7B | ||
| Q2 24 | $6.7B | $6.5B | ||
| Q1 24 | $6.6B | $6.5B |
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 | $230.8M |
| Free Cash FlowOCF − Capex | $228.0M | $230.2M |
| FCF MarginFCF / Revenue | 73.0% | 77.1% |
| Capex IntensityCapex / Revenue | 0.4% | 0.2% |
| Cash ConversionOCF / Net Profit | 1.48× | 1.36× |
| TTM Free Cash FlowTrailing 4 quarters | $848.7M | $851.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $229.1M | $230.8M | ||
| Q3 25 | $215.9M | $215.4M | ||
| Q2 25 | $189.5M | $183.0M | ||
| Q1 25 | $221.6M | $223.7M | ||
| Q4 24 | $226.7M | $182.4M | ||
| Q3 24 | $229.2M | $182.9M | ||
| Q2 24 | $188.7M | $169.2M | ||
| Q1 24 | $216.9M | $190.5M |
| Q4 25 | $228.0M | $230.2M | ||
| Q3 25 | $210.6M | $215.1M | ||
| Q2 25 | $188.8M | $183.0M | ||
| Q1 25 | $221.3M | $223.5M | ||
| Q4 24 | $226.0M | $181.9M | ||
| Q3 24 | $228.7M | $182.5M | ||
| Q2 24 | $187.6M | $169.0M | ||
| Q1 24 | $212.5M | — |
| Q4 25 | 73.0% | 77.1% | ||
| Q3 25 | 67.5% | 70.6% | ||
| Q2 25 | 59.2% | 60.1% | ||
| Q1 25 | 69.7% | 73.0% | ||
| Q4 24 | 71.7% | 60.3% | ||
| Q3 24 | 72.2% | 59.5% | ||
| Q2 24 | 60.0% | 55.3% | ||
| Q1 24 | 71.2% | — |
| Q4 25 | 0.4% | 0.2% | ||
| Q3 25 | 1.7% | 0.1% | ||
| Q2 25 | 0.2% | 0.0% | ||
| Q1 25 | 0.1% | 0.0% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.3% | 0.1% | ||
| Q1 24 | 1.5% | 0.0% |
| Q4 25 | 1.48× | 1.36× | ||
| Q3 25 | 1.31× | 1.13× | ||
| Q2 25 | 0.97× | 0.95× | ||
| Q1 25 | 1.26× | 1.21× | ||
| Q4 24 | 1.35× | 0.99× | ||
| Q3 24 | 1.30× | 0.91× | ||
| Q2 24 | 0.93× | 0.83× | ||
| Q1 24 | 1.19× | 1.09× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
