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Essent Group Ltd.（ESNT）与Lucid Group, Inc.（LCID）财务数据对比。点击上方公司名可切换其他公司
Lucid Group, Inc.的季度营收约是Essent Group Ltd.的1.7倍（$522.7M vs $312.4M），Essent Group Ltd.净利率更高（49.6% vs -155.7%，领先205.3%），Lucid Group, Inc.同比增速更快（122.9% vs -0.8%），Essent Group Ltd.自由现金流更多（$848.7M vs $-1.2B），过去两年Lucid Group, Inc.的营收复合增速更高（74.0% vs 2.3%）
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。
Lucid Group, Inc.是总部位于美国加利福尼亚州纽瓦克的汽车科技企业，专注于电动汽车制造及先进电动汽车动力系统供应。2021年9月，公司在亚利桑那州卡萨格兰德的工厂开始生产Lucid Air豪华轿车，第二款车型Lucid Gravity SUV于2024年12月投产，同时也为阿斯顿·马丁等其他车企供应和研发动力总成技术。
ESNT vs LCID — 直观对比
营收规模更大
LCID
是对方的1.7倍
$312.4M
营收增速更快
LCID
高出123.8%
-0.8%
净利率更高
ESNT
高出205.3%
-155.7%
自由现金流更多
ESNT
多$2.1B
$-1.2B
两年增速更快
LCID
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $522.7M |
| 净利润 | $155.0M | $-814.0M |
| 毛利率 | — | -80.7% |
| 营业利润率 | 59.1% | -203.7% |
| 净利率 | 49.6% | -155.7% |
| 营收同比 | -0.8% | 122.9% |
| 净利润同比 | -7.7% | -104.9% |
| 每股收益（稀释后） | $1.61 | $-8.26 |
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ESNTLCID
| Q4 25 | $312.4M | $522.7M | ||
| Q3 25 | $311.8M | $336.6M | ||
| Q2 25 | $319.1M | $259.4M | ||
| Q1 25 | $317.6M | $235.0M | ||
| Q4 24 | $315.0M | $234.5M | ||
| Q3 24 | $316.6M | $200.0M | ||
| Q2 24 | $312.9M | $200.6M | ||
| Q1 24 | $298.4M | $172.7M |
净利润ESNTLCID
| Q4 25 | $155.0M | $-814.0M | ||
| Q3 25 | $164.2M | $-978.4M | ||
| Q2 25 | $195.3M | $-539.4M | ||
| Q1 25 | $175.4M | $-366.2M | ||
| Q4 24 | $167.9M | $-397.2M | ||
| Q3 24 | $176.2M | $-992.5M | ||
| Q2 24 | $203.6M | $-643.4M | ||
| Q1 24 | $181.7M | $-680.9M |
毛利率ESNTLCID
| Q4 25 | — | -80.7% | ||
| Q3 25 | — | -99.1% | ||
| Q2 25 | — | -105.0% | ||
| Q1 25 | — | -97.2% | ||
| Q4 24 | — | -89.0% | ||
| Q3 24 | — | -106.2% | ||
| Q2 24 | — | -134.5% | ||
| Q1 24 | — | -134.3% |
营业利润率ESNTLCID
| Q4 25 | 59.1% | -203.7% | ||
| Q3 25 | 63.9% | -279.9% | ||
| Q2 25 | 72.4% | -309.5% | ||
| Q1 25 | 65.2% | -294.4% | ||
| Q4 24 | 61.9% | -312.6% | ||
| Q3 24 | 65.6% | -385.2% | ||
| Q2 24 | 76.4% | -392.6% | ||
| Q1 24 | 71.6% | -422.6% |
净利率ESNTLCID
| Q4 25 | 49.6% | -155.7% | ||
| Q3 25 | 52.7% | -290.7% | ||
| Q2 25 | 61.2% | -207.9% | ||
| Q1 25 | 55.2% | -155.8% | ||
| Q4 24 | 53.3% | -169.4% | ||
| Q3 24 | 55.6% | -496.1% | ||
| Q2 24 | 65.1% | -320.8% | ||
| Q1 24 | 60.9% | -394.2% |
每股收益（稀释后）ESNTLCID
| Q4 25 | $1.61 | $-8.26 | ||
| Q3 25 | $1.67 | $-3.31 | ||
| Q2 25 | $1.93 | $-0.28 | ||
| Q1 25 | $1.69 | $-0.24 | ||
| Q4 24 | $1.59 | $-0.20 | ||
| Q3 24 | $1.65 | $-0.41 | ||
| Q2 24 | $1.91 | $-0.34 | ||
| Q1 24 | $1.70 | $-0.30 |
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 | — | $1.6B |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.8B | $717.3M |
| 总资产 | $7.4B | $8.4B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资ESNTLCID
| Q4 25 | — | $1.6B | ||
| Q3 25 | — | $2.3B | ||
| Q2 25 | — | $2.8B | ||
| Q1 25 | — | $3.6B | ||
| Q4 24 | — | $4.0B | ||
| Q3 24 | — | $3.5B | ||
| Q2 24 | — | $3.2B | ||
| Q1 24 | — | $4.0B |
股东权益ESNTLCID
| Q4 25 | $5.8B | $717.3M | ||
| Q3 25 | $5.7B | $1.8B | ||
| Q2 25 | $5.7B | $2.4B | ||
| Q1 25 | $5.7B | $3.2B | ||
| Q4 24 | $5.6B | $3.9B | ||
| Q3 24 | $5.6B | $2.7B | ||
| Q2 24 | $5.4B | $3.5B | ||
| Q1 24 | $5.2B | $4.2B |
总资产ESNTLCID
| Q4 25 | $7.4B | $8.4B | ||
| Q3 25 | $7.4B | $8.8B | ||
| Q2 25 | $7.2B | $8.9B | ||
| Q1 25 | $7.2B | $9.2B | ||
| Q4 24 | $7.1B | $9.6B | ||
| Q3 24 | $7.1B | $8.5B | ||
| Q2 24 | $6.7B | $8.2B | ||
| Q1 24 | $6.6B | $8.9B |
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 | $-916.4M |
| 自由现金流经营现金流 - 资本支出 | $848.7M | $-1.2B |
| 自由现金流率自由现金流/营收 | 271.7% | -237.6% |
| 资本支出强度资本支出/营收 | 2.4% | 62.3% |
| 现金转化率经营现金流/净利润 | 5.52× | — |
| 过去12个月自由现金流最近4个季度 | $1.5B | $-3.8B |
8季度趋势，按日历期对齐
经营现金流ESNTLCID
| Q4 25 | $856.1M | $-916.4M | ||
| Q3 25 | $215.9M | $-756.6M | ||
| Q2 25 | $189.5M | $-830.2M | ||
| Q1 25 | $221.6M | $-428.6M | ||
| Q4 24 | $861.5M | $-533.1M | ||
| Q3 24 | $229.2M | $-462.8M | ||
| Q2 24 | $188.7M | $-507.0M | ||
| Q1 24 | $216.9M | $-516.7M |
自由现金流ESNTLCID
| Q4 25 | $848.7M | $-1.2B | ||
| Q3 25 | $210.6M | $-955.5M | ||
| Q2 25 | $188.8M | $-1.0B | ||
| Q1 25 | $221.3M | $-589.9M | ||
| Q4 24 | $854.8M | $-824.8M | ||
| Q3 24 | $228.7M | $-622.5M | ||
| Q2 24 | $187.6M | $-741.3M | ||
| Q1 24 | $212.5M | $-714.9M |
自由现金流率ESNTLCID
| Q4 25 | 271.7% | -237.6% | ||
| Q3 25 | 67.5% | -283.9% | ||
| Q2 25 | 59.2% | -390.4% | ||
| Q1 25 | 69.7% | -251.0% | ||
| Q4 24 | 271.3% | -351.8% | ||
| Q3 24 | 72.2% | -311.2% | ||
| Q2 24 | 60.0% | -369.6% | ||
| Q1 24 | 71.2% | -413.9% |
资本支出强度ESNTLCID
| Q4 25 | 2.4% | 62.3% | ||
| Q3 25 | 1.7% | 59.1% | ||
| Q2 25 | 0.2% | 70.4% | ||
| Q1 25 | 0.1% | 68.6% | ||
| Q4 24 | 2.1% | 124.4% | ||
| Q3 24 | 0.2% | 79.8% | ||
| Q2 24 | 0.3% | 116.8% | ||
| Q1 24 | 1.5% | 114.7% |
现金转化率ESNTLCID
| 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× | — |
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% |
LCID
| LCNRV | $287.2M | 55% |
| Other | $80.4M | 15% |
| Related Party | $74.4M | 14% |
| Regulatory Credits | $34.2M | 7% |
| Warranty Provision | $26.2M | 5% |
| Sale And Leaseback Transactions | $15.2M | 3% |
| Other International | $5.0M | 1% |
