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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and PicoCELA Inc. (PCLA). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $252.6M, roughly 1.2× PicoCELA Inc.). Essent Group Ltd. runs the higher net margin — 49.6% vs -125.2%, a 174.8% gap on every dollar of revenue. Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-256.6M).
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.
PicoCELA Inc. is a global technology company specializing in low-power, high-reliability wireless connectivity solutions, including Wi-Fi HaLow modules and edge network infrastructure. It caters to industrial IoT, smart city, retail, and smart home segments, with a primary operational footprint across Asia, North America, and European markets.
ESNT vs PCLA — Head-to-Head
Income Statement — Q4 FY2025 vs Q2 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $252.6M |
| Net Profit | $155.0M | $-316.2M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | -114.8% |
| Net Margin | 49.6% | -125.2% |
| Revenue YoY | -0.8% | — |
| Net Profit YoY | -7.7% | — |
| EPS (diluted) | $1.61 | — |
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 | — | ||
| Q3 25 | $311.8M | — | ||
| Q2 25 | $319.1M | — | ||
| Q1 25 | $317.6M | $252.6M | ||
| Q4 24 | $315.0M | — | ||
| Q3 24 | $316.6M | — | ||
| Q2 24 | $312.9M | — | ||
| Q1 24 | $298.4M | — |
| Q4 25 | $155.0M | — | ||
| Q3 25 | $164.2M | — | ||
| Q2 25 | $195.3M | — | ||
| Q1 25 | $175.4M | $-316.2M | ||
| Q4 24 | $167.9M | — | ||
| Q3 24 | $176.2M | — | ||
| Q2 24 | $203.6M | — | ||
| Q1 24 | $181.7M | — |
| Q4 25 | 59.1% | — | ||
| Q3 25 | 63.9% | — | ||
| Q2 25 | 72.4% | — | ||
| Q1 25 | 65.2% | -114.8% | ||
| Q4 24 | 61.9% | — | ||
| Q3 24 | 65.6% | — | ||
| Q2 24 | 76.4% | — | ||
| Q1 24 | 71.6% | — |
| Q4 25 | 49.6% | — | ||
| Q3 25 | 52.7% | — | ||
| Q2 25 | 61.2% | — | ||
| Q1 25 | 55.2% | -125.2% | ||
| Q4 24 | 53.3% | — | ||
| Q3 24 | 55.6% | — | ||
| Q2 24 | 65.1% | — | ||
| Q1 24 | 60.9% | — |
| Q4 25 | $1.61 | — | ||
| Q3 25 | $1.67 | — | ||
| Q2 25 | $1.93 | — | ||
| Q1 25 | $1.69 | — | ||
| Q4 24 | $1.59 | — | ||
| Q3 24 | $1.65 | — | ||
| Q2 24 | $1.91 | — | ||
| Q1 24 | $1.70 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $456.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $354.8M |
| Total Assets | $7.4B | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $456.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $5.8B | — | ||
| Q3 25 | $5.7B | — | ||
| Q2 25 | $5.7B | — | ||
| Q1 25 | $5.7B | $354.8M | ||
| Q4 24 | $5.6B | — | ||
| Q3 24 | $5.6B | — | ||
| Q2 24 | $5.4B | — | ||
| Q1 24 | $5.2B | — |
| Q4 25 | $7.4B | — | ||
| Q3 25 | $7.4B | — | ||
| Q2 25 | $7.2B | — | ||
| Q1 25 | $7.2B | $1.2B | ||
| Q4 24 | $7.1B | — | ||
| Q3 24 | $7.1B | — | ||
| Q2 24 | $6.7B | — | ||
| Q1 24 | $6.6B | — |
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 | $-245.6M |
| Free Cash FlowOCF − Capex | $848.7M | $-256.6M |
| FCF MarginFCF / Revenue | 271.7% | -101.6% |
| Capex IntensityCapex / Revenue | 2.4% | 4.3% |
| Cash ConversionOCF / Net Profit | 5.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | — | ||
| Q3 25 | $215.9M | — | ||
| Q2 25 | $189.5M | — | ||
| Q1 25 | $221.6M | $-245.6M | ||
| Q4 24 | $861.5M | — | ||
| Q3 24 | $229.2M | — | ||
| Q2 24 | $188.7M | — | ||
| Q1 24 | $216.9M | — |
| Q4 25 | $848.7M | — | ||
| Q3 25 | $210.6M | — | ||
| Q2 25 | $188.8M | — | ||
| Q1 25 | $221.3M | $-256.6M | ||
| Q4 24 | $854.8M | — | ||
| Q3 24 | $228.7M | — | ||
| Q2 24 | $187.6M | — | ||
| Q1 24 | $212.5M | — |
| Q4 25 | 271.7% | — | ||
| Q3 25 | 67.5% | — | ||
| Q2 25 | 59.2% | — | ||
| Q1 25 | 69.7% | -101.6% | ||
| Q4 24 | 271.3% | — | ||
| Q3 24 | 72.2% | — | ||
| Q2 24 | 60.0% | — | ||
| Q1 24 | 71.2% | — |
| Q4 25 | 2.4% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | 4.3% | ||
| Q4 24 | 2.1% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.5% | — |
| Q4 25 | 5.52× | — | ||
| 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% |
PCLA
| Revenue from product | $179.1M | 71% |
| Revenue from SaaS, Maintenance and others | $42.4M | 17% |
| Revenue from product – related party | $31.0M | 12% |
