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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and Wheels Up Experience Inc. (UP). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $183.8M, roughly 1.7× Wheels Up Experience Inc.). Essent Group Ltd. runs the higher net margin — 49.6% vs -15.7%, a 65.3% gap on every dollar of revenue. On growth, Essent Group Ltd. posted the faster year-over-year revenue change (-0.8% vs -10.2%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-58.3M). Over the past eight quarters, Essent Group Ltd.'s revenue compounded faster (2.3% CAGR vs -3.4%).
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.
Wheels Up is a provider of "on demand" private aviation in the United States and one of the largest private aviation companies in the world. It was founded in 2013 by Kenny Dichter, using a membership/on-demand business model. Wheels Up members can book private aircraft from the company fleet and third-party operators using a mobile application.
ESNT vs UP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $183.8M |
| Net Profit | $155.0M | $-28.9M |
| Gross Margin | — | 14.3% |
| Operating Margin | 59.1% | -0.9% |
| Net Margin | 49.6% | -15.7% |
| Revenue YoY | -0.8% | -10.2% |
| Net Profit YoY | -7.7% | 67.0% |
| EPS (diluted) | $1.61 | $-0.04 |
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 | $183.8M | ||
| Q3 25 | $311.8M | $185.5M | ||
| Q2 25 | $319.1M | $189.6M | ||
| Q1 25 | $317.6M | $177.5M | ||
| Q4 24 | $315.0M | $204.8M | ||
| Q3 24 | $316.6M | $193.9M | ||
| Q2 24 | $312.9M | $196.3M | ||
| Q1 24 | $298.4M | $197.1M |
| Q4 25 | $155.0M | $-28.9M | ||
| Q3 25 | $164.2M | $-83.7M | ||
| Q2 25 | $195.3M | $-82.3M | ||
| Q1 25 | $175.4M | $-99.3M | ||
| Q4 24 | $167.9M | $-87.5M | ||
| Q3 24 | $176.2M | $-57.7M | ||
| Q2 24 | $203.6M | $-97.0M | ||
| Q1 24 | $181.7M | $-97.4M |
| Q4 25 | — | 14.3% | ||
| Q3 25 | — | 6.8% | ||
| Q2 25 | — | 8.3% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 13.9% | ||
| Q3 24 | — | 13.9% | ||
| Q2 24 | — | 2.3% | ||
| Q1 24 | — | -0.6% |
| Q4 25 | 59.1% | -0.9% | ||
| Q3 25 | 63.9% | -33.1% | ||
| Q2 25 | 72.4% | -31.4% | ||
| Q1 25 | 65.2% | -45.5% | ||
| Q4 24 | 61.9% | -26.0% | ||
| Q3 24 | 65.6% | -21.6% | ||
| Q2 24 | 76.4% | -40.3% | ||
| Q1 24 | 71.6% | -42.9% |
| Q4 25 | 49.6% | -15.7% | ||
| Q3 25 | 52.7% | -45.1% | ||
| Q2 25 | 61.2% | -43.4% | ||
| Q1 25 | 55.2% | -55.9% | ||
| Q4 24 | 53.3% | -42.7% | ||
| Q3 24 | 55.6% | -29.8% | ||
| Q2 24 | 65.1% | -49.4% | ||
| Q1 24 | 60.9% | -49.4% |
| Q4 25 | $1.61 | $-0.04 | ||
| Q3 25 | $1.67 | $-0.12 | ||
| Q2 25 | $1.93 | $-0.12 | ||
| Q1 25 | $1.69 | $-0.14 | ||
| Q4 24 | $1.59 | $-0.13 | ||
| Q3 24 | $1.65 | $-0.08 | ||
| Q2 24 | $1.91 | $-0.14 | ||
| Q1 24 | $1.70 | $-0.14 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $133.9M |
| Total DebtLower is stronger | — | $671.3M |
| Stockholders' EquityBook value | $5.8B | $-392.1M |
| Total Assets | $7.4B | $968.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $133.9M | ||
| Q3 25 | — | $125.3M | ||
| Q2 25 | — | $107.0M | ||
| Q1 25 | — | $171.8M | ||
| Q4 24 | — | $216.4M | ||
| Q3 24 | — | $115.9M | ||
| Q2 24 | — | $141.5M | ||
| Q1 24 | — | $180.9M |
| Q4 25 | — | $671.3M | ||
| Q3 25 | — | $766.5M | ||
| Q2 25 | — | $770.5M | ||
| Q1 25 | — | $765.8M | ||
| Q4 24 | — | $761.3M | ||
| Q3 24 | — | $596.9M | ||
| Q2 24 | — | $597.4M | ||
| Q1 24 | — | $603.2M |
| Q4 25 | $5.8B | $-392.1M | ||
| Q3 25 | $5.7B | $-374.5M | ||
| Q2 25 | $5.7B | $-347.8M | ||
| Q1 25 | $5.7B | $-288.1M | ||
| Q4 24 | $5.6B | $-202.1M | ||
| Q3 24 | $5.6B | $-117.7M | ||
| Q2 24 | $5.4B | $-72.2M | ||
| Q1 24 | $5.2B | $936.0K |
| Q4 25 | $7.4B | $968.8M | ||
| Q3 25 | $7.4B | $973.0M | ||
| Q2 25 | $7.2B | $1.0B | ||
| Q1 25 | $7.2B | $1.1B | ||
| Q4 24 | $7.1B | $1.2B | ||
| Q3 24 | $7.1B | $1.0B | ||
| Q2 24 | $6.7B | $1.1B | ||
| Q1 24 | $6.6B | $1.2B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 644.43× |
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 | $-18.4M |
| Free Cash FlowOCF − Capex | $848.7M | $-58.3M |
| FCF MarginFCF / Revenue | 271.7% | -31.7% |
| Capex IntensityCapex / Revenue | 2.4% | 21.7% |
| Cash ConversionOCF / Net Profit | 5.52× | — |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $-259.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $-18.4M | ||
| Q3 25 | $215.9M | $-37.1M | ||
| Q2 25 | $189.5M | $-62.9M | ||
| Q1 25 | $221.6M | $-47.9M | ||
| Q4 24 | $861.5M | $37.9M | ||
| Q3 24 | $229.2M | $-16.9M | ||
| Q2 24 | $188.7M | $-25.2M | ||
| Q1 24 | $216.9M | $-73.8M |
| Q4 25 | $848.7M | $-58.3M | ||
| Q3 25 | $210.6M | $-60.4M | ||
| Q2 25 | $188.8M | $-78.6M | ||
| Q1 25 | $221.3M | $-62.6M | ||
| Q4 24 | $854.8M | $-70.2M | ||
| Q3 24 | $228.7M | $-21.9M | ||
| Q2 24 | $187.6M | $-30.8M | ||
| Q1 24 | $212.5M | $-77.8M |
| Q4 25 | 271.7% | -31.7% | ||
| Q3 25 | 67.5% | -32.6% | ||
| Q2 25 | 59.2% | -41.5% | ||
| Q1 25 | 69.7% | -35.3% | ||
| Q4 24 | 271.3% | -34.3% | ||
| Q3 24 | 72.2% | -11.3% | ||
| Q2 24 | 60.0% | -15.7% | ||
| Q1 24 | 71.2% | -39.5% |
| Q4 25 | 2.4% | 21.7% | ||
| Q3 25 | 1.7% | 12.5% | ||
| Q2 25 | 0.2% | 8.3% | ||
| Q1 25 | 0.1% | 8.3% | ||
| Q4 24 | 2.1% | 52.8% | ||
| Q3 24 | 0.2% | 2.6% | ||
| Q2 24 | 0.3% | 2.9% | ||
| Q1 24 | 1.5% | 2.0% |
| 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% |
UP
Segment breakdown not available.
