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Essent Group Ltd.（ESNT）与MBIA INC（MBI）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MBIA INC的11.2倍（$312.4M vs $28.0M）。Essent Group Ltd.净利率更高（49.6% vs -182.1%，领先231.8%）。Essent Group Ltd.同比增速更快（-0.8% vs -24.3%）。过去两年MBIA INC的营收复合增速更高（46.8% 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。
MBIA Inc.是一家美国金融服务企业，1973年以市政债券保险协会之名成立，总部位于纽约州帕切斯，是全球规模最大的债券保险公司，截至2015年1月共有约180名员工，深耕债券保险领域多年，在行业内拥有重要影响力。
ESNT vs MBI — 直观对比
营收规模更大
ESNT
是对方的11.2倍
$28.0M
营收增速更快
ESNT
高出23.5%
-24.3%
净利率更高
ESNT
高出231.8%
-182.1%
两年增速更快
MBI
近两年复合增速
2.3%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $28.0M |
| 净利润 | $155.0M | $-51.0M |
| 毛利率 | — | — |
| 营业利润率 | 59.1% | -200.0% |
| 净利率 | 49.6% | -182.1% |
| 营收同比 | -0.8% | -24.3% |
| 净利润同比 | -7.7% | -106.1% |
| 每股收益（稀释后） | $1.61 | $-1.01 |
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ESNTMBI
| Q4 25 | $312.4M | $28.0M | ||
| Q3 25 | $311.8M | $15.0M | ||
| Q2 25 | $319.1M | $23.0M | ||
| Q1 25 | $317.6M | $14.0M | ||
| Q4 24 | $315.0M | $37.0M | ||
| Q3 24 | $316.6M | $29.0M | ||
| Q2 24 | $312.9M | $-37.0M | ||
| Q1 24 | $298.4M | $13.0M |
净利润ESNTMBI
| Q4 25 | $155.0M | $-51.0M | ||
| Q3 25 | $164.2M | $-8.0M | ||
| Q2 25 | $195.3M | $-56.0M | ||
| Q1 25 | $175.4M | $-62.0M | ||
| Q4 24 | $167.9M | $831.0M | ||
| Q3 24 | $176.2M | $-56.0M | ||
| Q2 24 | $203.6M | $-254.0M | ||
| Q1 24 | $181.7M | $-86.0M |
营业利润率ESNTMBI
| Q4 25 | 59.1% | -200.0% | ||
| Q3 25 | 63.9% | -46.7% | ||
| Q2 25 | 72.4% | -243.5% | ||
| Q1 25 | 65.2% | -442.9% | ||
| Q4 24 | 61.9% | -135.1% | ||
| Q3 24 | 65.6% | -175.9% | ||
| Q2 24 | 76.4% | 683.8% | ||
| Q1 24 | 71.6% | -669.2% |
净利率ESNTMBI
| Q4 25 | 49.6% | -182.1% | ||
| Q3 25 | 52.7% | -53.3% | ||
| Q2 25 | 61.2% | -243.5% | ||
| Q1 25 | 55.2% | -442.9% | ||
| Q4 24 | 53.3% | 2245.9% | ||
| Q3 24 | 55.6% | -193.1% | ||
| Q2 24 | 65.1% | 686.5% | ||
| Q1 24 | 60.9% | -661.5% |
每股收益（稀释后）ESNTMBI
| Q4 25 | $1.61 | $-1.01 | ||
| Q3 25 | $1.67 | $-0.17 | ||
| Q2 25 | $1.93 | $-1.12 | ||
| Q1 25 | $1.69 | $-1.28 | ||
| Q4 24 | $1.59 | $-1.07 | ||
| Q3 24 | $1.65 | $-1.18 | ||
| Q2 24 | $1.91 | $-5.34 | ||
| Q1 24 | $1.70 | $-1.84 |
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 | — | — |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.8B | $-2.2B |
| 总资产 | $7.4B | $2.0B |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
股东权益ESNTMBI
| Q4 25 | $5.8B | $-2.2B | ||
| Q3 25 | $5.7B | $-2.2B | ||
| Q2 25 | $5.7B | $-2.2B | ||
| Q1 25 | $5.7B | $-2.1B | ||
| Q4 24 | $5.6B | $-2.1B | ||
| Q3 24 | $5.6B | $-2.0B | ||
| Q2 24 | $5.4B | $-2.0B | ||
| Q1 24 | $5.2B | $-1.7B |
总资产ESNTMBI
| Q4 25 | $7.4B | $2.0B | ||
| Q3 25 | $7.4B | $2.1B | ||
| Q2 25 | $7.2B | $2.1B | ||
| Q1 25 | $7.2B | $2.1B | ||
| Q4 24 | $7.1B | $2.2B | ||
| Q3 24 | $7.1B | $2.2B | ||
| Q2 24 | $6.7B | $2.3B | ||
| Q1 24 | $6.6B | $2.5B |
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 | $229.1M | $-10.0M |
| 自由现金流经营现金流 - 资本支出 | $228.0M | — |
| 自由现金流率自由现金流/营收 | 73.0% | — |
| 资本支出强度资本支出/营收 | 0.4% | — |
| 现金转化率经营现金流/净利润 | 1.48× | — |
| 过去12个月自由现金流最近4个季度 | $848.7M | — |
8季度趋势，按日历期对齐
经营现金流ESNTMBI
| Q4 25 | $229.1M | $-10.0M | ||
| Q3 25 | $215.9M | $90.0M | ||
| Q2 25 | $189.5M | $1.0M | ||
| Q1 25 | $221.6M | $-43.0M | ||
| Q4 24 | $226.7M | $3.0M | ||
| Q3 24 | $229.2M | $-139.0M | ||
| Q2 24 | $188.7M | $-10.0M | ||
| Q1 24 | $216.9M | $-30.0M |
自由现金流ESNTMBI
| Q4 25 | $228.0M | — | ||
| Q3 25 | $210.6M | — | ||
| Q2 25 | $188.8M | — | ||
| Q1 25 | $221.3M | — | ||
| Q4 24 | $226.0M | — | ||
| Q3 24 | $228.7M | — | ||
| Q2 24 | $187.6M | — | ||
| Q1 24 | $212.5M | — |
自由现金流率ESNTMBI
| Q4 25 | 73.0% | — | ||
| Q3 25 | 67.5% | — | ||
| Q2 25 | 59.2% | — | ||
| Q1 25 | 69.7% | — | ||
| Q4 24 | 71.7% | — | ||
| Q3 24 | 72.2% | — | ||
| Q2 24 | 60.0% | — | ||
| Q1 24 | 71.2% | — |
资本支出强度ESNTMBI
| Q4 25 | 0.4% | — | ||
| Q3 25 | 1.7% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.1% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.2% | — | ||
| Q2 24 | 0.3% | — | ||
| Q1 24 | 1.5% | — |
现金转化率ESNTMBI
| Q4 25 | 1.48× | — | ||
| Q3 25 | 1.31× | — | ||
| Q2 25 | 0.97× | — | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | 1.35× | 0.00× | ||
| 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
暂无分部数据
MBI
| US Public Finance Insurance | $15.0M | 54% |
| Corporate Operations | $7.0M | 25% |
| International And Structured Finance Insurance | $5.0M | 18% |
| Other | $1.0M | 4% |
