vs
Side-by-side financial comparison of Essent Group Ltd. (ESNT) and INTERFACE INC (TILE). Click either name above to swap in a different company.
INTERFACE INC is the larger business by last-quarter revenue ($349.4M vs $312.4M, roughly 1.1× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 7.0%, a 42.6% gap on every dollar of revenue. On growth, INTERFACE INC posted the faster year-over-year revenue change (4.3% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $28.6M). Over the past eight quarters, INTERFACE INC's revenue compounded faster (9.8% 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.
Interface, Inc., headquartered in Atlanta, Georgia, is a global manufacturer of commercial flooring. The company sells modular carpet tiles, luxury vinyl tile, and Nora brand rubber flooring.
ESNT vs TILE — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $349.4M |
| Net Profit | $155.0M | $24.4M |
| Gross Margin | — | 38.6% |
| Operating Margin | 59.1% | 10.1% |
| Net Margin | 49.6% | 7.0% |
| Revenue YoY | -0.8% | 4.3% |
| Net Profit YoY | -7.7% | 12.1% |
| EPS (diluted) | $1.61 | $0.41 |
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 | $349.4M | ||
| Q3 25 | $311.8M | $364.5M | ||
| Q2 25 | $319.1M | $375.5M | ||
| Q1 25 | $317.6M | $297.4M | ||
| Q4 24 | $315.0M | $335.0M | ||
| Q3 24 | $316.6M | $344.3M | ||
| Q2 24 | $312.9M | $346.6M | ||
| Q1 24 | $298.4M | $289.7M |
| Q4 25 | $155.0M | $24.4M | ||
| Q3 25 | $164.2M | $46.1M | ||
| Q2 25 | $195.3M | $32.6M | ||
| Q1 25 | $175.4M | $13.0M | ||
| Q4 24 | $167.9M | $21.8M | ||
| Q3 24 | $176.2M | $28.4M | ||
| Q2 24 | $203.6M | $22.6M | ||
| Q1 24 | $181.7M | $14.2M |
| Q4 25 | — | 38.6% | ||
| Q3 25 | — | 39.4% | ||
| Q2 25 | — | 39.4% | ||
| Q1 25 | — | 37.3% | ||
| Q4 24 | — | 36.5% | ||
| Q3 24 | — | 37.1% | ||
| Q2 24 | — | 35.4% | ||
| Q1 24 | — | 38.1% |
| Q4 25 | 59.1% | 10.1% | ||
| Q3 25 | 63.9% | 14.6% | ||
| Q2 25 | 72.4% | 13.9% | ||
| Q1 25 | 65.2% | 7.8% | ||
| Q4 24 | 61.9% | 8.8% | ||
| Q3 24 | 65.6% | 12.3% | ||
| Q2 24 | 76.4% | 11.0% | ||
| Q1 24 | 71.6% | 8.4% |
| Q4 25 | 49.6% | 7.0% | ||
| Q3 25 | 52.7% | 12.7% | ||
| Q2 25 | 61.2% | 8.7% | ||
| Q1 25 | 55.2% | 4.4% | ||
| Q4 24 | 53.3% | 6.5% | ||
| Q3 24 | 55.6% | 8.3% | ||
| Q2 24 | 65.1% | 6.5% | ||
| Q1 24 | 60.9% | 4.9% |
| Q4 25 | $1.61 | $0.41 | ||
| Q3 25 | $1.67 | $0.78 | ||
| Q2 25 | $1.93 | $0.55 | ||
| Q1 25 | $1.69 | $0.22 | ||
| Q4 24 | $1.59 | $0.38 | ||
| Q3 24 | $1.65 | $0.48 | ||
| Q2 24 | $1.91 | $0.38 | ||
| Q1 24 | $1.70 | $0.24 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $71.3M |
| Total DebtLower is stronger | — | $181.6M |
| Stockholders' EquityBook value | $5.8B | $640.7M |
| Total Assets | $7.4B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.28× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $71.3M | ||
| Q3 25 | — | $187.4M | ||
| Q2 25 | — | $121.7M | ||
| Q1 25 | — | $97.8M | ||
| Q4 24 | — | $99.2M | ||
| Q3 24 | — | $115.6M | ||
| Q2 24 | — | $94.2M | ||
| Q1 24 | — | $89.8M |
| Q4 25 | — | $181.6M | ||
| Q3 25 | — | $307.8M | ||
| Q2 25 | — | $304.4M | ||
| Q1 25 | — | $302.9M | ||
| Q4 24 | — | $302.8M | ||
| Q3 24 | — | $337.9M | ||
| Q2 24 | — | $387.6M | ||
| Q1 24 | — | $391.8M |
| Q4 25 | $5.8B | $640.7M | ||
| Q3 25 | $5.7B | $621.0M | ||
| Q2 25 | $5.7B | $575.0M | ||
| Q1 25 | $5.7B | $513.1M | ||
| Q4 24 | $5.6B | $489.1M | ||
| Q3 24 | $5.6B | $501.6M | ||
| Q2 24 | $5.4B | $451.2M | ||
| Q1 24 | $5.2B | $428.5M |
| Q4 25 | $7.4B | $1.2B | ||
| Q3 25 | $7.4B | $1.3B | ||
| Q2 25 | $7.2B | $1.3B | ||
| Q1 25 | $7.2B | $1.2B | ||
| Q4 24 | $7.1B | $1.2B | ||
| Q3 24 | $7.1B | $1.2B | ||
| Q2 24 | $6.7B | $1.2B | ||
| Q1 24 | $6.6B | $1.2B |
| Q4 25 | — | 0.28× | ||
| Q3 25 | — | 0.50× | ||
| Q2 25 | — | 0.53× | ||
| Q1 25 | — | 0.59× | ||
| Q4 24 | — | 0.62× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | — | 0.86× | ||
| Q1 24 | — | 0.91× |
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 | $49.3M |
| Free Cash FlowOCF − Capex | $848.7M | $28.6M |
| FCF MarginFCF / Revenue | 271.7% | 8.2% |
| Capex IntensityCapex / Revenue | 2.4% | 5.9% |
| Cash ConversionOCF / Net Profit | 5.52× | 2.02× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $121.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $49.3M | ||
| Q3 25 | $215.9M | $76.7M | ||
| Q2 25 | $189.5M | $30.1M | ||
| Q1 25 | $221.6M | $11.7M | ||
| Q4 24 | $861.5M | $38.0M | ||
| Q3 24 | $229.2M | $76.2M | ||
| Q2 24 | $188.7M | $21.5M | ||
| Q1 24 | $216.9M | $12.6M |
| Q4 25 | $848.7M | $28.6M | ||
| Q3 25 | $210.6M | $66.1M | ||
| Q2 25 | $188.8M | $22.8M | ||
| Q1 25 | $221.3M | $4.3M | ||
| Q4 24 | $854.8M | $24.4M | ||
| Q3 24 | $228.7M | $69.7M | ||
| Q2 24 | $187.6M | $12.0M | ||
| Q1 24 | $212.5M | $8.6M |
| Q4 25 | 271.7% | 8.2% | ||
| Q3 25 | 67.5% | 18.1% | ||
| Q2 25 | 59.2% | 6.1% | ||
| Q1 25 | 69.7% | 1.4% | ||
| Q4 24 | 271.3% | 7.3% | ||
| Q3 24 | 72.2% | 20.3% | ||
| Q2 24 | 60.0% | 3.5% | ||
| Q1 24 | 71.2% | 3.0% |
| Q4 25 | 2.4% | 5.9% | ||
| Q3 25 | 1.7% | 2.9% | ||
| Q2 25 | 0.2% | 2.0% | ||
| Q1 25 | 0.1% | 2.5% | ||
| Q4 24 | 2.1% | 4.1% | ||
| Q3 24 | 0.2% | 1.9% | ||
| Q2 24 | 0.3% | 2.8% | ||
| Q1 24 | 1.5% | 1.4% |
| Q4 25 | 5.52× | 2.02× | ||
| Q3 25 | 1.31× | 1.66× | ||
| Q2 25 | 0.97× | 0.93× | ||
| Q1 25 | 1.26× | 0.90× | ||
| Q4 24 | 5.13× | 1.75× | ||
| Q3 24 | 1.30× | 2.68× | ||
| Q2 24 | 0.93× | 0.95× | ||
| Q1 24 | 1.19× | 0.89× |
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% |
TILE
| AMS | $205.9M | 59% |
| EAAA | $143.5M | 41% |
