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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and UDR, Inc. (UDR). Click either name above to swap in a different company.
UDR, Inc. is the larger business by last-quarter revenue ($425.8M vs $312.4M, roughly 1.4× Essent Group Ltd.). Essent Group Ltd. runs the higher net margin — 49.6% vs 44.6%, a 5.0% gap on every dollar of revenue. On growth, UDR, Inc. posted the faster year-over-year revenue change (0.9% vs -0.8%). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs 1.3%).
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.
UDR, Inc. is a leading U.S.-headquartered real estate investment trust specializing in owning, operating, and redeveloping high-quality multifamily residential apartment communities. It operates across major U.S. metropolitan markets, catering to a diverse tenant base including young professionals, families, and middle-to-high income households.
ESNT vs UDR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $425.8M |
| Net Profit | $155.0M | $189.8M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | 54.0% |
| Net Margin | 49.6% | 44.6% |
| Revenue YoY | -0.8% | 0.9% |
| Net Profit YoY | -7.7% | 147.2% |
| EPS (diluted) | $1.61 | $0.63 |
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.
| Q1 26 | — | $425.8M | ||
| Q4 25 | $312.4M | $433.1M | ||
| Q3 25 | $311.8M | $431.9M | ||
| Q2 25 | $319.1M | $425.4M | ||
| Q1 25 | $317.6M | $421.9M | ||
| Q4 24 | $315.0M | $422.7M | ||
| Q3 24 | $316.6M | $420.2M | ||
| Q2 24 | $312.9M | $415.3M |
| Q1 26 | — | $189.8M | ||
| Q4 25 | $155.0M | $222.9M | ||
| Q3 25 | $164.2M | $40.4M | ||
| Q2 25 | $195.3M | $37.7M | ||
| Q1 25 | $175.4M | $76.7M | ||
| Q4 24 | $167.9M | $-5.0M | ||
| Q3 24 | $176.2M | $22.6M | ||
| Q2 24 | $203.6M | $28.9M |
| Q1 26 | — | 54.0% | ||
| Q4 25 | 59.1% | 64.1% | ||
| Q3 25 | 63.9% | 17.7% | ||
| Q2 25 | 72.4% | 18.2% | ||
| Q1 25 | 65.2% | 29.0% | ||
| Q4 24 | 61.9% | 15.7% | ||
| Q3 24 | 65.6% | 16.6% | ||
| Q2 24 | 76.4% | 16.5% |
| Q1 26 | — | 44.6% | ||
| Q4 25 | 49.6% | 51.5% | ||
| Q3 25 | 52.7% | 9.4% | ||
| Q2 25 | 61.2% | 8.9% | ||
| Q1 25 | 55.2% | 18.2% | ||
| Q4 24 | 53.3% | -220.5% | ||
| Q3 24 | 55.6% | 5.4% | ||
| Q2 24 | 65.1% | 7.0% |
| Q1 26 | — | $0.63 | ||
| Q4 25 | $1.61 | $0.67 | ||
| Q3 25 | $1.67 | $0.12 | ||
| Q2 25 | $1.93 | $0.11 | ||
| Q1 25 | $1.69 | $0.23 | ||
| Q4 24 | $1.59 | $-0.01 | ||
| Q3 24 | $1.65 | $0.06 | ||
| Q2 24 | $1.91 | $0.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $5.8B | $3.3B |
| Total Assets | $7.4B | $10.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $1.3M | ||
| Q4 25 | — | $1.2M | ||
| Q3 25 | — | $1.2M | ||
| Q2 25 | — | $1.5M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $1.3M | ||
| Q3 24 | — | $2.3M | ||
| Q2 24 | — | $2.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $5.8B | ||
| Q3 25 | — | $5.8B | ||
| Q2 25 | — | $5.8B | ||
| Q1 25 | — | $5.8B | ||
| Q4 24 | — | $5.8B | ||
| Q3 24 | — | $5.9B | ||
| Q2 24 | — | $5.8B |
| Q1 26 | — | $3.3B | ||
| Q4 25 | $5.8B | $3.3B | ||
| Q3 25 | $5.7B | $3.3B | ||
| Q2 25 | $5.7B | $3.3B | ||
| Q1 25 | $5.7B | $3.3B | ||
| Q4 24 | $5.6B | $3.4B | ||
| Q3 24 | $5.6B | $3.5B | ||
| Q2 24 | $5.4B | $3.7B |
| Q1 26 | — | $10.3B | ||
| Q4 25 | $7.4B | $10.6B | ||
| Q3 25 | $7.4B | $10.6B | ||
| Q2 25 | $7.2B | $10.6B | ||
| Q1 25 | $7.2B | $10.7B | ||
| Q4 24 | $7.1B | $10.9B | ||
| Q3 24 | $7.1B | $11.1B | ||
| Q2 24 | $6.7B | $11.1B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.77× | ||
| Q3 25 | — | 1.78× | ||
| Q2 25 | — | 1.74× | ||
| Q1 25 | — | 1.74× | ||
| Q4 24 | — | 1.69× | ||
| Q3 24 | — | 1.67× | ||
| Q2 24 | — | 1.55× |
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 | — |
| Free Cash FlowOCF − Capex | $848.7M | — |
| FCF MarginFCF / Revenue | 271.7% | — |
| Capex IntensityCapex / Revenue | 2.4% | 4.9% |
| Cash ConversionOCF / Net Profit | 5.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $856.1M | $902.9M | ||
| Q3 25 | $215.9M | $234.9M | ||
| Q2 25 | $189.5M | $250.3M | ||
| Q1 25 | $221.6M | $156.2M | ||
| Q4 24 | $861.5M | $876.8M | ||
| Q3 24 | $229.2M | $230.3M | ||
| Q2 24 | $188.7M | $238.5M |
| Q1 26 | — | — | ||
| Q4 25 | $848.7M | $650.0M | ||
| Q3 25 | $210.6M | $164.6M | ||
| Q2 25 | $188.8M | $190.1M | ||
| Q1 25 | $221.3M | $103.2M | ||
| Q4 24 | $854.8M | $627.0M | ||
| Q3 24 | $228.7M | $161.3M | ||
| Q2 24 | $187.6M | $171.1M |
| Q1 26 | — | — | ||
| Q4 25 | 271.7% | 150.1% | ||
| Q3 25 | 67.5% | 38.1% | ||
| Q2 25 | 59.2% | 44.7% | ||
| Q1 25 | 69.7% | 24.5% | ||
| Q4 24 | 271.3% | 148.3% | ||
| Q3 24 | 72.2% | 38.4% | ||
| Q2 24 | 60.0% | 41.2% |
| Q1 26 | — | 4.9% | ||
| Q4 25 | 2.4% | 58.4% | ||
| Q3 25 | 1.7% | 16.3% | ||
| Q2 25 | 0.2% | 14.2% | ||
| Q1 25 | 0.1% | 12.6% | ||
| Q4 24 | 2.1% | 59.1% | ||
| Q3 24 | 0.2% | 16.4% | ||
| Q2 24 | 0.3% | 16.2% |
| Q1 26 | — | — | ||
| Q4 25 | 5.52× | 4.05× | ||
| Q3 25 | 1.31× | 5.81× | ||
| Q2 25 | 0.97× | 6.64× | ||
| Q1 25 | 1.26× | 2.04× | ||
| Q4 24 | 5.13× | — | ||
| Q3 24 | 1.30× | 10.19× | ||
| Q2 24 | 0.93× | 8.26× |
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% |
UDR
| Rental income | $423.3M | 99% |
| Joint venture management and other fees | $2.5M | 1% |
