vs
Side-by-side financial comparison of Essent Group Ltd. (ESNT) and RADIAN GROUP INC (RDN). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $257.8M, roughly 1.2× RADIAN GROUP INC). RADIAN GROUP INC runs the higher net margin — 60.1% vs 49.6%, a 10.5% gap on every dollar of revenue. On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -18.4%). RADIAN GROUP INC produced more free cash flow last quarter ($406.1M vs $228.0M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs -10.2%).
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.
Radian Group Inc. is a mortgage insurance company with a suite of mortgage, risk, real estate, and title services.
ESNT vs RDN — Head-to-Head
Income Statement — Q4 2025 vs Q4 2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $257.8M |
| Net Profit | $155.0M | $154.8M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | 88.9% |
| Net Margin | 49.6% | 60.1% |
| Revenue YoY | -0.8% | -18.4% |
| Net Profit YoY | -7.7% | 4.4% |
| EPS (diluted) | $1.61 | $1.11 |
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 | $257.8M | ||
| Q3 25 | $311.8M | $303.2M | ||
| Q2 25 | $319.1M | $318.0M | ||
| Q1 25 | $317.6M | $318.1M | ||
| Q4 24 | $315.0M | $315.9M | ||
| Q3 24 | $316.6M | $333.9M | ||
| Q2 24 | $312.9M | $321.1M | ||
| Q1 24 | $298.4M | $319.4M |
| Q4 25 | $155.0M | $154.8M | ||
| Q3 25 | $164.2M | $141.4M | ||
| Q2 25 | $195.3M | $141.8M | ||
| Q1 25 | $175.4M | $144.6M | ||
| Q4 24 | $167.9M | $148.3M | ||
| Q3 24 | $176.2M | $151.9M | ||
| Q2 24 | $203.6M | $151.9M | ||
| Q1 24 | $181.7M | $152.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.4% | ||
| Q1 25 | — | 97.2% | ||
| Q4 24 | — | 96.9% | ||
| Q3 24 | — | 97.1% | ||
| Q2 24 | — | 97.0% | ||
| Q1 24 | — | 97.1% |
| Q4 25 | 59.1% | 88.9% | ||
| Q3 25 | 63.9% | 65.5% | ||
| Q2 25 | 72.4% | 55.0% | ||
| Q1 25 | 65.2% | 59.2% | ||
| Q4 24 | 61.9% | 59.9% | ||
| Q3 24 | 65.6% | 58.5% | ||
| Q2 24 | 76.4% | 58.6% | ||
| Q1 24 | 71.6% | 62.2% |
| Q4 25 | 49.6% | 60.1% | ||
| Q3 25 | 52.7% | 46.7% | ||
| Q2 25 | 61.2% | 44.6% | ||
| Q1 25 | 55.2% | 45.4% | ||
| Q4 24 | 53.3% | 46.9% | ||
| Q3 24 | 55.6% | 45.5% | ||
| Q2 24 | 65.1% | 47.3% | ||
| Q1 24 | 60.9% | 47.7% |
| Q4 25 | $1.61 | $1.11 | ||
| Q3 25 | $1.67 | $1.03 | ||
| Q2 25 | $1.93 | $1.02 | ||
| Q1 25 | $1.69 | $0.98 | ||
| Q4 24 | $1.59 | $0.97 | ||
| Q3 24 | $1.65 | $0.99 | ||
| Q2 24 | $1.91 | $0.98 | ||
| Q1 24 | $1.70 | $0.98 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $24.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $4.8B |
| Total Assets | $7.4B | $8.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $24.8M | ||
| Q3 25 | — | $15.3M | ||
| Q2 25 | — | $22.1M | ||
| Q1 25 | — | $24.2M | ||
| Q4 24 | — | $38.8M | ||
| Q3 24 | — | $28.1M | ||
| Q2 24 | — | $13.8M | ||
| Q1 24 | — | $27.0M |
| Q4 25 | $5.8B | $4.8B | ||
| Q3 25 | $5.7B | $4.7B | ||
| Q2 25 | $5.7B | $4.5B | ||
| Q1 25 | $5.7B | $4.6B | ||
| Q4 24 | $5.6B | $4.6B | ||
| Q3 24 | $5.6B | $4.7B | ||
| Q2 24 | $5.4B | $4.5B | ||
| Q1 24 | $5.2B | $4.4B |
| Q4 25 | $7.4B | $8.1B | ||
| Q3 25 | $7.4B | $8.2B | ||
| Q2 25 | $7.2B | $9.6B | ||
| Q1 25 | $7.2B | $8.8B | ||
| Q4 24 | $7.1B | $8.7B | ||
| Q3 24 | $7.1B | $8.4B | ||
| Q2 24 | $6.7B | $8.1B | ||
| Q1 24 | $6.6B | $7.8B |
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 | $407.0M |
| Free Cash FlowOCF − Capex | $228.0M | $406.1M |
| FCF MarginFCF / Revenue | 73.0% | 157.5% |
| Capex IntensityCapex / Revenue | 0.4% | 0.3% |
| Cash ConversionOCF / Net Profit | 1.48× | 2.63× |
| TTM Free Cash FlowTrailing 4 quarters | $848.7M | $115.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $229.1M | $407.0M | ||
| Q3 25 | $215.9M | $358.4M | ||
| Q2 25 | $189.5M | $-713.3M | ||
| Q1 25 | $221.6M | $67.8M | ||
| Q4 24 | $226.7M | $-269.4M | ||
| Q3 24 | $229.2M | $-237.9M | ||
| Q2 24 | $188.7M | $-207.3M | ||
| Q1 24 | $216.9M | $51.0M |
| Q4 25 | $228.0M | $406.1M | ||
| Q3 25 | $210.6M | $357.6M | ||
| Q2 25 | $188.8M | $-714.6M | ||
| Q1 25 | $221.3M | $66.6M | ||
| Q4 24 | $226.0M | $-269.8M | ||
| Q3 24 | $228.7M | $-238.1M | ||
| Q2 24 | $187.6M | $-208.3M | ||
| Q1 24 | $212.5M | $49.5M |
| Q4 25 | 73.0% | 157.5% | ||
| Q3 25 | 67.5% | 117.9% | ||
| Q2 25 | 59.2% | -224.7% | ||
| Q1 25 | 69.7% | 20.9% | ||
| Q4 24 | 71.7% | -85.4% | ||
| Q3 24 | 72.2% | -71.3% | ||
| Q2 24 | 60.0% | -64.9% | ||
| Q1 24 | 71.2% | 15.5% |
| Q4 25 | 0.4% | 0.3% | ||
| Q3 25 | 1.7% | 0.3% | ||
| Q2 25 | 0.2% | 0.4% | ||
| Q1 25 | 0.1% | 0.4% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.3% | 0.3% | ||
| Q1 24 | 1.5% | 0.5% |
| Q4 25 | 1.48× | 2.63× | ||
| Q3 25 | 1.31× | 2.53× | ||
| Q2 25 | 0.97× | -5.03× | ||
| Q1 25 | 1.26× | 0.47× | ||
| Q4 24 | 1.35× | -1.82× | ||
| Q3 24 | 1.30× | -1.57× | ||
| Q2 24 | 0.93× | -1.36× | ||
| Q1 24 | 1.19× | 0.34× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
