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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and Natural Grocers by Vitamin Cottage, Inc. (NGVC). Click either name above to swap in a different company.
Natural Grocers by Vitamin Cottage, Inc. is the larger business by last-quarter revenue ($335.6M vs $312.4M, roughly 1.1× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 3.4%, a 46.2% gap on every dollar of revenue. On growth, Natural Grocers by Vitamin Cottage, Inc. posted the faster year-over-year revenue change (1.6% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $11.6M). Over the past eight quarters, Natural Grocers by Vitamin Cottage, Inc.'s revenue compounded faster (4.4% 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.
Natural Grocers by Vitamin Cottage, Inc. is a U.S.-based specialty retail chain that offers certified organic groceries, dietary supplements, natural personal care items, and eco-friendly household products. It serves health-conscious consumers across multiple U.S. states, following strict quality standards that exclude artificial preservatives, colors, flavors and harmful additives.
ESNT vs NGVC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $335.6M |
| Net Profit | $155.0M | $11.3M |
| Gross Margin | — | 29.5% |
| Operating Margin | 59.1% | 4.4% |
| Net Margin | 49.6% | 3.4% |
| Revenue YoY | -0.8% | 1.6% |
| Net Profit YoY | -7.7% | 14.0% |
| EPS (diluted) | $1.61 | $0.49 |
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 | $335.6M | ||
| Q3 25 | $311.8M | $336.1M | ||
| Q2 25 | $319.1M | $328.7M | ||
| Q1 25 | $317.6M | $335.8M | ||
| Q4 24 | $315.0M | $330.2M | ||
| Q3 24 | $316.6M | $322.7M | ||
| Q2 24 | $312.9M | $309.1M | ||
| Q1 24 | $298.4M | $308.1M |
| Q4 25 | $155.0M | $11.3M | ||
| Q3 25 | $164.2M | $11.8M | ||
| Q2 25 | $195.3M | $11.6M | ||
| Q1 25 | $175.4M | $13.1M | ||
| Q4 24 | $167.9M | $9.9M | ||
| Q3 24 | $176.2M | $9.0M | ||
| Q2 24 | $203.6M | $9.2M | ||
| Q1 24 | $181.7M | $8.0M |
| Q4 25 | — | 29.5% | ||
| Q3 25 | — | 29.5% | ||
| Q2 25 | — | 29.9% | ||
| Q1 25 | — | 30.3% | ||
| Q4 24 | — | 29.9% | ||
| Q3 24 | — | 29.6% | ||
| Q2 24 | — | 29.2% | ||
| Q1 24 | — | 29.3% |
| Q4 25 | 59.1% | 4.4% | ||
| Q3 25 | 63.9% | 4.6% | ||
| Q2 25 | 72.4% | 4.7% | ||
| Q1 25 | 65.2% | 5.2% | ||
| Q4 24 | 61.9% | 4.0% | ||
| Q3 24 | 65.6% | 3.7% | ||
| Q2 24 | 76.4% | 4.2% | ||
| Q1 24 | 71.6% | 3.7% |
| Q4 25 | 49.6% | 3.4% | ||
| Q3 25 | 52.7% | 3.5% | ||
| Q2 25 | 61.2% | 3.5% | ||
| Q1 25 | 55.2% | 3.9% | ||
| Q4 24 | 53.3% | 3.0% | ||
| Q3 24 | 55.6% | 2.8% | ||
| Q2 24 | 65.1% | 3.0% | ||
| Q1 24 | 60.9% | 2.6% |
| Q4 25 | $1.61 | $0.49 | ||
| Q3 25 | $1.67 | $0.51 | ||
| Q2 25 | $1.93 | $0.50 | ||
| Q1 25 | $1.69 | $0.56 | ||
| Q4 24 | $1.59 | $0.43 | ||
| Q3 24 | $1.65 | $0.38 | ||
| Q2 24 | $1.91 | $0.40 | ||
| Q1 24 | $1.70 | $0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $23.2M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $220.0M |
| Total Assets | $7.4B | $668.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $17.1M | ||
| Q2 25 | — | $13.2M | ||
| Q1 25 | — | $21.2M | ||
| Q4 24 | — | $6.3M | ||
| Q3 24 | — | $8.9M | ||
| Q2 24 | — | $13.9M | ||
| Q1 24 | — | $11.0M |
| Q4 25 | $5.8B | $220.0M | ||
| Q3 25 | $5.7B | $212.4M | ||
| Q2 25 | $5.7B | $202.5M | ||
| Q1 25 | $5.7B | $193.0M | ||
| Q4 24 | $5.6B | $181.9M | ||
| Q3 24 | $5.6B | $174.3M | ||
| Q2 24 | $5.4B | $167.8M | ||
| Q1 24 | $5.2B | $160.0M |
| Q4 25 | $7.4B | $668.6M | ||
| Q3 25 | $7.4B | $670.5M | ||
| Q2 25 | $7.2B | $659.0M | ||
| Q1 25 | $7.2B | $664.6M | ||
| Q4 24 | $7.1B | $648.9M | ||
| Q3 24 | $7.1B | $655.5M | ||
| Q2 24 | $6.7B | $654.4M | ||
| Q1 24 | $6.6B | $656.6M |
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 | $21.1M |
| Free Cash FlowOCF − Capex | $848.7M | $11.6M |
| FCF MarginFCF / Revenue | 271.7% | 3.4% |
| Capex IntensityCapex / Revenue | 2.4% | 2.9% |
| Cash ConversionOCF / Net Profit | 5.52× | 1.86× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $42.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $21.1M | ||
| Q3 25 | $215.9M | $15.6M | ||
| Q2 25 | $189.5M | $2.9M | ||
| Q1 25 | $221.6M | $34.1M | ||
| Q4 24 | $861.5M | $2.7M | ||
| Q3 24 | $229.2M | $24.5M | ||
| Q2 24 | $188.7M | $12.4M | ||
| Q1 24 | $216.9M | $20.2M |
| Q4 25 | $848.7M | $11.6M | ||
| Q3 25 | $210.6M | $7.5M | ||
| Q2 25 | $188.8M | $-4.2M | ||
| Q1 25 | $221.3M | $27.6M | ||
| Q4 24 | $854.8M | $-6.9M | ||
| Q3 24 | $228.7M | $18.0M | ||
| Q2 24 | $187.6M | $3.6M | ||
| Q1 24 | $212.5M | $9.8M |
| Q4 25 | 271.7% | 3.4% | ||
| Q3 25 | 67.5% | 2.2% | ||
| Q2 25 | 59.2% | -1.3% | ||
| Q1 25 | 69.7% | 8.2% | ||
| Q4 24 | 271.3% | -2.1% | ||
| Q3 24 | 72.2% | 5.6% | ||
| Q2 24 | 60.0% | 1.2% | ||
| Q1 24 | 71.2% | 3.2% |
| Q4 25 | 2.4% | 2.9% | ||
| Q3 25 | 1.7% | 2.4% | ||
| Q2 25 | 0.2% | 2.2% | ||
| Q1 25 | 0.1% | 1.9% | ||
| Q4 24 | 2.1% | 2.9% | ||
| Q3 24 | 0.2% | 2.0% | ||
| Q2 24 | 0.3% | 2.9% | ||
| Q1 24 | 1.5% | 3.4% |
| Q4 25 | 5.52× | 1.86× | ||
| Q3 25 | 1.31× | 1.32× | ||
| Q2 25 | 0.97× | 0.25× | ||
| Q1 25 | 1.26× | 2.60× | ||
| Q4 24 | 5.13× | 0.27× | ||
| Q3 24 | 1.30× | 2.72× | ||
| Q2 24 | 0.93× | 1.35× | ||
| Q1 24 | 1.19× | 2.54× |
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% |
NGVC
| Grocery | $243.8M | 73% |
| Dietary Supplements | $60.7M | 18% |
| Manufactured Product Other | $31.0M | 9% |
