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Side-by-side financial comparison of Essent Group Ltd. (ESNT) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Essent Group Ltd. is the larger business by last-quarter revenue ($312.4M vs $220.8M, roughly 1.4× UNIVERSAL TECHNICAL INSTITUTE INC). Essent Group Ltd. runs the higher net margin — 49.6% vs 5.8%, a 43.8% gap on every dollar of revenue. On growth, UNIVERSAL TECHNICAL INSTITUTE INC posted the faster year-over-year revenue change (9.6% vs -0.8%). Essent Group Ltd. produced more free cash flow last quarter ($848.7M vs $-19.2M). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (9.5% 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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
ESNT vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $312.4M | $220.8M |
| Net Profit | $155.0M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | 59.1% | 7.1% |
| Net Margin | 49.6% | 5.8% |
| Revenue YoY | -0.8% | 9.6% |
| Net Profit YoY | -7.7% | -42.1% |
| EPS (diluted) | $1.61 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $311.8M | $222.4M | ||
| Q2 25 | $319.1M | $204.3M | ||
| Q1 25 | $317.6M | $207.4M | ||
| Q4 24 | $315.0M | $201.4M | ||
| Q3 24 | $316.6M | $196.4M | ||
| Q2 24 | $312.9M | $177.5M | ||
| Q1 24 | $298.4M | $184.2M |
| Q4 25 | $155.0M | $12.8M | ||
| Q3 25 | $164.2M | $18.8M | ||
| Q2 25 | $195.3M | $10.7M | ||
| Q1 25 | $175.4M | $11.4M | ||
| Q4 24 | $167.9M | $22.2M | ||
| Q3 24 | $176.2M | $18.8M | ||
| Q2 24 | $203.6M | $5.0M | ||
| Q1 24 | $181.7M | $7.8M |
| Q4 25 | 59.1% | 7.1% | ||
| Q3 25 | 63.9% | 11.2% | ||
| Q2 25 | 72.4% | 6.9% | ||
| Q1 25 | 65.2% | 8.1% | ||
| Q4 24 | 61.9% | 13.6% | ||
| Q3 24 | 65.6% | 13.3% | ||
| Q2 24 | 76.4% | 4.2% | ||
| Q1 24 | 71.6% | 6.1% |
| Q4 25 | 49.6% | 5.8% | ||
| Q3 25 | 52.7% | 8.4% | ||
| Q2 25 | 61.2% | 5.2% | ||
| Q1 25 | 55.2% | 5.5% | ||
| Q4 24 | 53.3% | 11.0% | ||
| Q3 24 | 55.6% | 9.6% | ||
| Q2 24 | 65.1% | 2.8% | ||
| Q1 24 | 60.9% | 4.2% |
| Q4 25 | $1.61 | $0.23 | ||
| Q3 25 | $1.67 | $0.33 | ||
| Q2 25 | $1.93 | $0.19 | ||
| Q1 25 | $1.69 | $0.21 | ||
| Q4 24 | $1.59 | $0.40 | ||
| Q3 24 | $1.65 | $0.35 | ||
| Q2 24 | $1.91 | $0.09 | ||
| 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 | — | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $5.8B | $335.9M |
| Total Assets | $7.4B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $162.8M | ||
| Q3 25 | — | $169.1M | ||
| Q2 25 | — | $70.7M | ||
| Q1 25 | — | $96.0M | ||
| Q4 24 | — | $172.0M | ||
| Q3 24 | — | $161.9M | ||
| Q2 24 | — | $115.5M | ||
| Q1 24 | — | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $5.8B | $335.9M | ||
| Q3 25 | $5.7B | $328.1M | ||
| Q2 25 | $5.7B | $306.8M | ||
| Q1 25 | $5.7B | $293.9M | ||
| Q4 24 | $5.6B | $280.0M | ||
| Q3 24 | $5.6B | $260.2M | ||
| Q2 24 | $5.4B | $239.4M | ||
| Q1 24 | $5.2B | $232.6M |
| Q4 25 | $7.4B | $834.0M | ||
| Q3 25 | $7.4B | $826.1M | ||
| Q2 25 | $7.2B | $740.8M | ||
| Q1 25 | $7.2B | $720.4M | ||
| Q4 24 | $7.1B | $753.8M | ||
| Q3 24 | $7.1B | $744.6M | ||
| Q2 24 | $6.7B | $706.0M | ||
| Q1 24 | $6.6B | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $848.7M | $-19.2M |
| FCF MarginFCF / Revenue | 271.7% | -8.7% |
| Capex IntensityCapex / Revenue | 2.4% | 10.1% |
| Cash ConversionOCF / Net Profit | 5.52× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $1.5B | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $856.1M | $3.1M | ||
| Q3 25 | $215.9M | $57.1M | ||
| Q2 25 | $189.5M | $18.1M | ||
| Q1 25 | $221.6M | $-789.0K | ||
| Q4 24 | $861.5M | $23.0M | ||
| Q3 24 | $229.2M | $67.5M | ||
| Q2 24 | $188.7M | $10.0M | ||
| Q1 24 | $216.9M | $-2.5M |
| Q4 25 | $848.7M | $-19.2M | ||
| Q3 25 | $210.6M | $40.6M | ||
| Q2 25 | $188.8M | $6.8M | ||
| Q1 25 | $221.3M | $-11.7M | ||
| Q4 24 | $854.8M | $19.6M | ||
| Q3 24 | $228.7M | $60.0M | ||
| Q2 24 | $187.6M | $3.0M | ||
| Q1 24 | $212.5M | $-8.4M |
| Q4 25 | 271.7% | -8.7% | ||
| Q3 25 | 67.5% | 18.3% | ||
| Q2 25 | 59.2% | 3.4% | ||
| Q1 25 | 69.7% | -5.7% | ||
| Q4 24 | 271.3% | 9.7% | ||
| Q3 24 | 72.2% | 30.6% | ||
| Q2 24 | 60.0% | 1.7% | ||
| Q1 24 | 71.2% | -4.6% |
| Q4 25 | 2.4% | 10.1% | ||
| Q3 25 | 1.7% | 7.4% | ||
| Q2 25 | 0.2% | 5.5% | ||
| Q1 25 | 0.1% | 5.3% | ||
| Q4 24 | 2.1% | 1.7% | ||
| Q3 24 | 0.2% | 3.8% | ||
| Q2 24 | 0.3% | 4.0% | ||
| Q1 24 | 1.5% | 3.2% |
| Q4 25 | 5.52× | 0.24× | ||
| Q3 25 | 1.31× | 3.04× | ||
| Q2 25 | 0.97× | 1.69× | ||
| Q1 25 | 1.26× | -0.07× | ||
| Q4 24 | 5.13× | 1.04× | ||
| Q3 24 | 1.30× | 3.58× | ||
| Q2 24 | 0.93× | 2.01× | ||
| Q1 24 | 1.19× | -0.32× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
