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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and STONERIDGE INC (SRI). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $205.2M, roughly 1.5× STONERIDGE INC). On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -6.0%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $2.6M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs -7.4%).
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.
Stoneridge Inc is a global designer and manufacturer of advanced electrical and electronic components, integrated systems, and sensor solutions. It serves automotive, commercial vehicle, off-highway, and aerospace sectors, delivering products that boost vehicle safety, efficiency, connectivity, and environmental performance across key global markets.
ESNT vs SRI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $205.2M |
| Net Profit | $155.0M | — |
| Gross Margin | — | 16.2% |
| Operating Margin | 59.1% | -14.4% |
| Net Margin | 49.6% | — |
| Revenue YoY | -0.8% | -6.0% |
| Net Profit YoY | -7.7% | — |
| EPS (diluted) | $1.61 | $-2.76 |
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 | $205.2M | ||
| Q3 25 | $311.8M | $210.3M | ||
| Q2 25 | $319.1M | $228.0M | ||
| Q1 25 | $317.6M | $217.9M | ||
| Q4 24 | $315.0M | $218.2M | ||
| Q3 24 | $316.6M | $213.8M | ||
| Q2 24 | $312.9M | $237.1M | ||
| Q1 24 | $298.4M | $239.2M |
| Q4 25 | $155.0M | — | ||
| Q3 25 | $164.2M | $-9.4M | ||
| Q2 25 | $195.3M | $-9.4M | ||
| Q1 25 | $175.4M | $-7.2M | ||
| Q4 24 | $167.9M | — | ||
| Q3 24 | $176.2M | $-7.1M | ||
| Q2 24 | $203.6M | $2.8M | ||
| Q1 24 | $181.7M | $-6.1M |
| Q4 25 | — | 16.2% | ||
| Q3 25 | — | 20.3% | ||
| Q2 25 | — | 21.5% | ||
| Q1 25 | — | 21.2% | ||
| Q4 24 | — | 19.5% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 22.7% | ||
| Q1 24 | — | 20.2% |
| Q4 25 | 59.1% | -14.4% | ||
| Q3 25 | 63.9% | -1.6% | ||
| Q2 25 | 72.4% | -1.1% | ||
| Q1 25 | 65.2% | -1.5% | ||
| Q4 24 | 61.9% | -2.0% | ||
| Q3 24 | 65.6% | 0.1% | ||
| Q2 24 | 76.4% | 1.4% | ||
| Q1 24 | 71.6% | 0.1% |
| Q4 25 | 49.6% | — | ||
| Q3 25 | 52.7% | -4.5% | ||
| Q2 25 | 61.2% | -4.1% | ||
| Q1 25 | 55.2% | -3.3% | ||
| Q4 24 | 53.3% | — | ||
| Q3 24 | 55.6% | -3.3% | ||
| Q2 24 | 65.1% | 1.2% | ||
| Q1 24 | 60.9% | -2.6% |
| Q4 25 | $1.61 | $-2.76 | ||
| Q3 25 | $1.67 | $-0.34 | ||
| Q2 25 | $1.93 | $-0.34 | ||
| Q1 25 | $1.69 | $-0.26 | ||
| Q4 24 | $1.59 | $-0.22 | ||
| Q3 24 | $1.65 | $-0.26 | ||
| Q2 24 | $1.91 | $0.10 | ||
| Q1 24 | $1.70 | $-0.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $66.3M |
| Total DebtLower is stronger | — | $180.9M |
| Stockholders' EquityBook value | $5.8B | $179.8M |
| Total Assets | $7.4B | $551.2M |
| Debt / EquityLower = less leverage | — | 1.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $66.3M | ||
| Q3 25 | — | $54.0M | ||
| Q2 25 | — | $49.8M | ||
| Q1 25 | — | $79.1M | ||
| Q4 24 | — | $71.8M | ||
| Q3 24 | — | $54.1M | ||
| Q2 24 | — | $42.1M | ||
| Q1 24 | — | $48.4M |
| Q4 25 | — | $180.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $201.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $5.8B | $179.8M | ||
| Q3 25 | $5.7B | $251.2M | ||
| Q2 25 | $5.7B | $260.5M | ||
| Q1 25 | $5.7B | $253.1M | ||
| Q4 24 | $5.6B | $245.3M | ||
| Q3 24 | $5.6B | $271.4M | ||
| Q2 24 | $5.4B | $270.5M | ||
| Q1 24 | $5.2B | $277.3M |
| Q4 25 | $7.4B | $551.2M | ||
| Q3 25 | $7.4B | $632.1M | ||
| Q2 25 | $7.2B | $639.4M | ||
| Q1 25 | $7.2B | $657.4M | ||
| Q4 24 | $7.1B | $621.6M | ||
| Q3 24 | $7.1B | $662.5M | ||
| Q2 24 | $6.7B | $666.7M | ||
| Q1 24 | $6.6B | $675.4M |
| Q4 25 | — | 1.01× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.82× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $8.8M |
| Free Cash FlowOCF − Capex | $848.7M | $2.6M |
| FCF MarginFCF / Revenue | 271.7% | 1.3% |
| Capex IntensityCapex / Revenue | 2.4% | 3.0% |
| Cash ConversionOCF / Net Profit | 5.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $12.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $8.8M | ||
| Q3 25 | $215.9M | $3.6M | ||
| Q2 25 | $189.5M | $10.7M | ||
| Q1 25 | $221.6M | $10.9M | ||
| Q4 24 | $861.5M | $19.2M | ||
| Q3 24 | $229.2M | $10.8M | ||
| Q2 24 | $188.7M | $8.7M | ||
| Q1 24 | $216.9M | $9.1M |
| Q4 25 | $848.7M | $2.6M | ||
| Q3 25 | $210.6M | $-2.7M | ||
| Q2 25 | $188.8M | $7.4M | ||
| Q1 25 | $221.3M | $4.8M | ||
| Q4 24 | $854.8M | $14.0M | ||
| Q3 24 | $228.7M | $4.6M | ||
| Q2 24 | $187.6M | $1.5M | ||
| Q1 24 | $212.5M | $3.3M |
| Q4 25 | 271.7% | 1.3% | ||
| Q3 25 | 67.5% | -1.3% | ||
| Q2 25 | 59.2% | 3.3% | ||
| Q1 25 | 69.7% | 2.2% | ||
| Q4 24 | 271.3% | 6.4% | ||
| Q3 24 | 72.2% | 2.2% | ||
| Q2 24 | 60.0% | 0.6% | ||
| Q1 24 | 71.2% | 1.4% |
| Q4 25 | 2.4% | 3.0% | ||
| Q3 25 | 1.7% | 3.0% | ||
| Q2 25 | 0.2% | 1.4% | ||
| Q1 25 | 0.1% | 2.8% | ||
| Q4 24 | 2.1% | 2.4% | ||
| Q3 24 | 0.2% | 2.9% | ||
| Q2 24 | 0.3% | 3.0% | ||
| Q1 24 | 1.5% | 2.4% |
| 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× | 3.11× | ||
| 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% |
SRI
| Control Devices | $51.7M | 25% |
| Electronics | $38.0M | 19% |
| EE | $34.2M | 17% |
| SE | $28.6M | 14% |
| NL | $24.5M | 12% |
| Stoneridge Brazil | $14.1M | 7% |
| Asia Pacific | $13.1M | 6% |
