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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and OXFORD INDUSTRIES INC (OXM). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $307.3M, roughly 1.0× OXFORD INDUSTRIES INC). Essent Group Ltd. runs the higher net margin — 49.6% vs -20.7%, a 70.3% gap on every dollar of revenue. On growth, OXFORD INDUSTRIES INC posted the faster year-over-year revenue change (-0.2% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-47.9M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs -3.0%).
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.
Oxford Industries, Inc. is a publicly traded clothing company in the United States that specializes in high-end clothing and apparel. The company carries many major labels, including Tommy Bahama, Lilly Pulitzer, Johnny Was and Southern Tide.
ESNT vs OXM — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $307.3M |
| Net Profit | $155.0M | $-63.7M |
| Gross Margin | — | 60.3% |
| Operating Margin | 59.1% | -27.7% |
| Net Margin | 49.6% | -20.7% |
| Revenue YoY | -0.8% | -0.2% |
| Net Profit YoY | -7.7% | -1517.6% |
| EPS (diluted) | $1.61 | $-4.28 |
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 | $307.3M | ||
| Q3 25 | $311.8M | $403.1M | ||
| Q2 25 | $319.1M | $392.9M | ||
| Q1 25 | $317.6M | — | ||
| Q4 24 | $315.0M | $308.0M | ||
| Q3 24 | $316.6M | $419.9M | ||
| Q2 24 | $312.9M | $398.2M | ||
| Q1 24 | $298.4M | $404.4M |
| Q4 25 | $155.0M | $-63.7M | ||
| Q3 25 | $164.2M | $16.7M | ||
| Q2 25 | $195.3M | $26.2M | ||
| Q1 25 | $175.4M | — | ||
| Q4 24 | $167.9M | $-3.9M | ||
| Q3 24 | $176.2M | $40.6M | ||
| Q2 24 | $203.6M | $38.4M | ||
| Q1 24 | $181.7M | $-60.1M |
| Q4 25 | — | 60.3% | ||
| Q3 25 | — | 61.4% | ||
| Q2 25 | — | 64.2% | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 63.1% | ||
| Q3 24 | — | 63.1% | ||
| Q2 24 | — | 64.9% | ||
| Q1 24 | — | 60.9% |
| Q4 25 | 59.1% | -27.7% | ||
| Q3 25 | 63.9% | 6.3% | ||
| Q2 25 | 72.4% | 9.2% | ||
| Q1 25 | 65.2% | — | ||
| Q4 24 | 61.9% | -2.0% | ||
| Q3 24 | 65.6% | 12.5% | ||
| Q2 24 | 76.4% | 13.2% | ||
| Q1 24 | 71.6% | -20.1% |
| Q4 25 | 49.6% | -20.7% | ||
| Q3 25 | 52.7% | 4.1% | ||
| Q2 25 | 61.2% | 6.7% | ||
| Q1 25 | 55.2% | — | ||
| Q4 24 | 53.3% | -1.3% | ||
| Q3 24 | 55.6% | 9.7% | ||
| Q2 24 | 65.1% | 9.6% | ||
| Q1 24 | 60.9% | -14.9% |
| Q4 25 | $1.61 | $-4.28 | ||
| Q3 25 | $1.67 | $1.12 | ||
| Q2 25 | $1.93 | $1.70 | ||
| Q1 25 | $1.69 | — | ||
| Q4 24 | $1.59 | $-0.25 | ||
| Q3 24 | $1.65 | $2.57 | ||
| Q2 24 | $1.91 | $2.42 | ||
| Q1 24 | $1.70 | $-3.72 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $8.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $528.0M |
| Total Assets | $7.4B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $8.0M | ||
| Q3 25 | — | $6.9M | ||
| Q2 25 | — | $8.2M | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $7.0M | ||
| Q3 24 | — | $18.4M | ||
| Q2 24 | — | $7.7M | ||
| Q1 24 | — | $7.6M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $29.0M |
| Q4 25 | $5.8B | $528.0M | ||
| Q3 25 | $5.7B | $597.1M | ||
| Q2 25 | $5.7B | $592.4M | ||
| Q1 25 | $5.7B | — | ||
| Q4 24 | $5.6B | $612.2M | ||
| Q3 24 | $5.6B | $621.6M | ||
| Q2 24 | $5.4B | $592.9M | ||
| Q1 24 | $5.2B | $560.9M |
| Q4 25 | $7.4B | $1.3B | ||
| Q3 25 | $7.4B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.2B | — | ||
| Q4 24 | $7.1B | $1.2B | ||
| Q3 24 | $7.1B | $1.2B | ||
| Q2 24 | $6.7B | $1.2B | ||
| Q1 24 | $6.6B | $1.1B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.05× |
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 | $-9.1M |
| Free Cash FlowOCF − Capex | $848.7M | $-47.9M |
| FCF MarginFCF / Revenue | 271.7% | -15.6% |
| Capex IntensityCapex / Revenue | 2.4% | 12.6% |
| Cash ConversionOCF / Net Profit | 5.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $-79.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $-9.1M | ||
| Q3 25 | $215.9M | $83.5M | ||
| Q2 25 | $189.5M | $-3.9M | ||
| Q1 25 | $221.6M | — | ||
| Q4 24 | $861.5M | $-18.2M | ||
| Q3 24 | $229.2M | $88.8M | ||
| Q2 24 | $188.7M | $32.9M | ||
| Q1 24 | $216.9M | $74.9M |
| Q4 25 | $848.7M | $-47.9M | ||
| Q3 25 | $210.6M | $52.3M | ||
| Q2 25 | $188.8M | $-27.4M | ||
| Q1 25 | $221.3M | — | ||
| Q4 24 | $854.8M | $-56.9M | ||
| Q3 24 | $228.7M | $47.2M | ||
| Q2 24 | $187.6M | $21.0M | ||
| Q1 24 | $212.5M | $55.3M |
| Q4 25 | 271.7% | -15.6% | ||
| Q3 25 | 67.5% | 13.0% | ||
| Q2 25 | 59.2% | -7.0% | ||
| Q1 25 | 69.7% | — | ||
| Q4 24 | 271.3% | -18.5% | ||
| Q3 24 | 72.2% | 11.2% | ||
| Q2 24 | 60.0% | 5.3% | ||
| Q1 24 | 71.2% | 13.7% |
| Q4 25 | 2.4% | 12.6% | ||
| Q3 25 | 1.7% | 7.7% | ||
| Q2 25 | 0.2% | 6.0% | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 2.1% | 12.6% | ||
| Q3 24 | 0.2% | 9.9% | ||
| Q2 24 | 0.3% | 3.0% | ||
| Q1 24 | 1.5% | 4.8% |
| Q4 25 | 5.52× | — | ||
| Q3 25 | 1.31× | 5.00× | ||
| Q2 25 | 0.97× | -0.15× | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | 5.13× | — | ||
| Q3 24 | 1.30× | 2.19× | ||
| Q2 24 | 0.93× | 0.86× | ||
| 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% |
OXM
| Sales Channel Retail | $162.9M | 53% |
| Sales Channel Wholesale | $61.3M | 20% |
| Johnny Was | $45.4M | 15% |
| Sales Channel Food And Beverage | $29.3M | 10% |
| Other Foreign Countries | $9.0M | 3% |
