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Essent Group Ltd.（ESNT）与Forestar Group Inc.（FOR）财务数据对比。点击上方公司名可切换其他公司
Essent Group Ltd.的季度营收约是Forestar Group Inc.的1.1倍（$312.4M vs $273.0M），Essent Group Ltd.净利率更高（49.6% vs 5.6%，领先44.0%），Forestar Group Inc.同比增速更快（9.0% vs -0.8%），Essent Group Ltd.自由现金流更多（$848.7M vs $-157.1M），过去两年Essent Group Ltd.的营收复合增速更高（2.3% vs -9.6%）
Essentra PLC是一家面向全球市场的塑料及纤维产品供应商，总部位于英国牛津郡基德灵顿，业务网络覆盖全球多个区域，目前在伦敦证券交易所上市，可面向各行业客户提供多元化的相关产品及配套服务，在所属细分领域拥有较高的市场认可度。
福雷斯特集团是一家住宅地块开发企业，总部位于得克萨斯州阿灵顿，业务覆盖美国21个州的51个市场。截至2020年12月31日的12个月内，该公司交付了11518块住宅地块，目前在纽约证券交易所上市，自2002年起就是美国规模最大的住宅建筑商D.R. Horton的控股子公司。
ESNT vs FOR — 直观对比
营收规模更大
ESNT
是对方的1.1倍
$273.0M
营收增速更快
FOR
高出9.9%
-0.8%
净利率更高
ESNT
高出44.0%
5.6%
自由现金流更多
ESNT
多$1.0B
$-157.1M
两年增速更快
ESNT
近两年复合增速
-9.6%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $273.0M |
| 净利润 | $155.0M | $15.4M |
| 毛利率 | — | 20.1% |
| 营业利润率 | 59.1% | 7.6% |
| 净利率 | 49.6% | 5.6% |
| 营收同比 | -0.8% | 9.0% |
| 净利润同比 | -7.7% | -6.7% |
| 每股收益（稀释后） | $1.61 | $0.30 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收ESNTFOR
| Q4 25 | $312.4M | $273.0M | ||
| Q3 25 | $311.8M | $670.5M | ||
| Q2 25 | $319.1M | $390.5M | ||
| Q1 25 | $317.6M | $351.0M | ||
| Q4 24 | $315.0M | $250.4M | ||
| Q3 24 | $316.6M | $551.3M | ||
| Q2 24 | $312.9M | $318.4M | ||
| Q1 24 | $298.4M | $333.8M |
净利润ESNTFOR
| Q4 25 | $155.0M | $15.4M | ||
| Q3 25 | $164.2M | $86.9M | ||
| Q2 25 | $195.3M | $32.9M | ||
| Q1 25 | $175.4M | $31.6M | ||
| Q4 24 | $167.9M | $16.5M | ||
| Q3 24 | $176.2M | $81.5M | ||
| Q2 24 | $203.6M | $38.7M | ||
| Q1 24 | $181.7M | $45.0M |
毛利率ESNTFOR
| Q4 25 | — | 20.1% | ||
| Q3 25 | — | 22.3% | ||
| Q2 25 | — | 20.4% | ||
| Q1 25 | — | 22.6% | ||
| Q4 24 | — | 22.0% | ||
| Q3 24 | — | 23.9% | ||
| Q2 24 | — | 22.5% | ||
| Q1 24 | — | 24.9% |
营业利润率ESNTFOR
| Q4 25 | 59.1% | 7.6% | ||
| Q3 25 | 63.9% | 16.9% | ||
| Q2 25 | 72.4% | 11.2% | ||
| Q1 25 | 65.2% | 11.6% | ||
| Q4 24 | 61.9% | 8.7% | ||
| Q3 24 | 65.6% | 19.7% | ||
| Q2 24 | 76.4% | 16.2% | ||
| Q1 24 | 71.6% | 17.6% |
净利率ESNTFOR
| Q4 25 | 49.6% | 5.6% | ||
| Q3 25 | 52.7% | 13.0% | ||
| Q2 25 | 61.2% | 8.4% | ||
| Q1 25 | 55.2% | 9.0% | ||
| Q4 24 | 53.3% | 6.6% | ||
| Q3 24 | 55.6% | 14.8% | ||
| Q2 24 | 65.1% | 12.2% | ||
| Q1 24 | 60.9% | 13.5% |
每股收益（稀释后）ESNTFOR
| Q4 25 | $1.61 | $0.30 | ||
| Q3 25 | $1.67 | $1.70 | ||
| Q2 25 | $1.93 | $0.65 | ||
| Q1 25 | $1.69 | $0.62 | ||
| Q4 24 | $1.59 | $0.32 | ||
| Q3 24 | $1.65 | $1.59 | ||
| Q2 24 | $1.91 | $0.76 | ||
| Q1 24 | $1.70 | $0.89 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $211.7M |
| 总债务越低越好 | — | $793.2M |
| 股东权益账面价值 | $5.8B | $1.8B |
| 总资产 | $7.4B | $3.2B |
| 负债/权益比越低杠杆越低 | — | 0.44× |
8季度趋势，按日历期对齐
现金及短期投资ESNTFOR
| Q4 25 | — | $211.7M | ||
| Q3 25 | — | $379.2M | ||
| Q2 25 | — | $189.2M | ||
| Q1 25 | — | $174.3M | ||
| Q4 24 | — | $132.0M | ||
| Q3 24 | — | $481.2M | ||
| Q2 24 | — | $359.2M | ||
| Q1 24 | — | $416.2M |
总债务ESNTFOR
| Q4 25 | — | $793.2M | ||
| Q3 25 | — | $802.7M | ||
| Q2 25 | — | $872.8M | ||
| Q1 25 | — | $872.5M | ||
| Q4 24 | — | $806.8M | ||
| Q3 24 | — | $706.4M | ||
| Q2 24 | — | $706.1M | ||
| Q1 24 | — | $705.7M |
股东权益ESNTFOR
| Q4 25 | $5.8B | $1.8B | ||
| Q3 25 | $5.7B | $1.8B | ||
| Q2 25 | $5.7B | $1.7B | ||
| Q1 25 | $5.7B | $1.6B | ||
| Q4 24 | $5.6B | $1.6B | ||
| Q3 24 | $5.6B | $1.6B | ||
| Q2 24 | $5.4B | $1.5B | ||
| Q1 24 | $5.2B | $1.5B |
总资产ESNTFOR
| Q4 25 | $7.4B | $3.2B | ||
| Q3 25 | $7.4B | $3.1B | ||
| Q2 25 | $7.2B | $3.1B | ||
| Q1 25 | $7.2B | $3.0B | ||
| Q4 24 | $7.1B | $3.0B | ||
| Q3 24 | $7.1B | $2.8B | ||
| Q2 24 | $6.7B | $2.7B | ||
| Q1 24 | $6.6B | $2.6B |
负债/权益比ESNTFOR
| Q4 25 | — | 0.44× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.52× | ||
| Q1 25 | — | 0.53× | ||
| Q4 24 | — | 0.50× | ||
| Q3 24 | — | 0.44× | ||
| Q2 24 | — | 0.47× | ||
| Q1 24 | — | 0.48× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $856.1M | $-157.0M |
| 自由现金流经营现金流 - 资本支出 | $848.7M | $-157.1M |
| 自由现金流率自由现金流/营收 | 271.7% | -57.5% |
| 资本支出强度资本支出/营收 | 2.4% | 0.0% |
| 现金转化率经营现金流/净利润 | 5.52× | -10.19× |
| 过去12个月自由现金流最近4个季度 | $1.5B | $93.0M |
8季度趋势，按日历期对齐
经营现金流ESNTFOR
| Q4 25 | $856.1M | $-157.0M | ||
| Q3 25 | $215.9M | $256.3M | ||
| Q2 25 | $189.5M | $15.8M | ||
| Q1 25 | $221.6M | $-19.8M | ||
| Q4 24 | $861.5M | $-450.0M | ||
| Q3 24 | $229.2M | $119.2M | ||
| Q2 24 | $188.7M | $-61.7M | ||
| Q1 24 | $216.9M | $-59.2M |
自由现金流ESNTFOR
| Q4 25 | $848.7M | $-157.1M | ||
| Q3 25 | $210.6M | $255.6M | ||
| Q2 25 | $188.8M | $15.0M | ||
| Q1 25 | $221.3M | $-20.5M | ||
| Q4 24 | $854.8M | — | ||
| Q3 24 | $228.7M | $118.4M | ||
| Q2 24 | $187.6M | $-62.3M | ||
| Q1 24 | $212.5M | $-59.8M |
自由现金流率ESNTFOR
| Q4 25 | 271.7% | -57.5% | ||
| Q3 25 | 67.5% | 38.1% | ||
| Q2 25 | 59.2% | 3.8% | ||
| Q1 25 | 69.7% | -5.8% | ||
| Q4 24 | 271.3% | — | ||
| Q3 24 | 72.2% | 21.5% | ||
| Q2 24 | 60.0% | -19.6% | ||
| Q1 24 | 71.2% | -17.9% |
资本支出强度ESNTFOR
| Q4 25 | 2.4% | 0.0% | ||
| Q3 25 | 1.7% | 0.1% | ||
| Q2 25 | 0.2% | 0.2% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 2.1% | 0.0% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.3% | 0.2% | ||
| Q1 24 | 1.5% | 0.2% |
现金转化率ESNTFOR
| Q4 25 | 5.52× | -10.19× | ||
| Q3 25 | 1.31× | 2.95× | ||
| Q2 25 | 0.97× | 0.48× | ||
| Q1 25 | 1.26× | -0.63× | ||
| Q4 24 | 5.13× | -27.27× | ||
| Q3 24 | 1.30× | 1.46× | ||
| Q2 24 | 0.93× | -1.59× | ||
| Q1 24 | 1.19× | -1.32× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
ESNT
| Mortgage Insurance Segment | $192.4M | 62% |
| Other | $120.0M | 38% |
FOR
| D.R.Horton Inc. | $183.8M | 67% |
| Other | $89.2M | 33% |
