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Essent Group Ltd.（ESNT）与MGIC INVESTMENT CORP（MTG）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MGIC INVESTMENT CORP的1.0倍（$312.4M vs $298.7M）。MGIC INVESTMENT CORP净利率更高（56.7% vs 49.6%，领先7.1%）。Essent Group Ltd.同比增速更快（-0.8% vs -0.9%）。MGIC INVESTMENT CORP自由现金流更多（$230.2M vs $228.0M）。过去两年Essent Group Ltd.的营收复合增速更高（2.3% vs 0.7%）
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。
MGIC投资集团（纽交所代码：MTG）是美国专业的私人抵押贷款保险服务商，总部位于威斯康星州密尔沃基市，主要为美国本土住房抵押贷款业务提供保险解决方案，帮助贷款机构管控信用风险，助力普通消费者顺利获得购房贷款支持。
ESNT vs MTG — 直观对比
营收规模更大
ESNT
是对方的1.0倍
$298.7M
营收增速更快
ESNT
高出0.1%
-0.9%
净利率更高
MTG
高出7.1%
49.6%
自由现金流更多
MTG
多$2.2M
$228.0M
两年增速更快
ESNT
近两年复合增速
0.7%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $298.7M |
| 净利润 | $155.0M | $169.3M |
| 毛利率 | — | — |
| 营业利润率 | 59.1% | 71.2% |
| 净利率 | 49.6% | 56.7% |
| 营收同比 | -0.8% | -0.9% |
| 净利润同比 | -7.7% | -8.3% |
| 每股收益（稀释后） | $1.61 | $0.75 |
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ESNTMTG
| Q4 25 | $312.4M | $298.7M | ||
| Q3 25 | $311.8M | $304.5M | ||
| Q2 25 | $319.1M | $304.2M | ||
| Q1 25 | $317.6M | $306.2M | ||
| Q4 24 | $315.0M | $301.4M | ||
| Q3 24 | $316.6M | $306.6M | ||
| Q2 24 | $312.9M | $305.3M | ||
| Q1 24 | $298.4M | $294.4M |
净利润ESNTMTG
| Q4 25 | $155.0M | $169.3M | ||
| Q3 25 | $164.2M | $191.1M | ||
| Q2 25 | $195.3M | $192.5M | ||
| Q1 25 | $175.4M | $185.5M | ||
| Q4 24 | $167.9M | $184.7M | ||
| Q3 24 | $176.2M | $200.0M | ||
| Q2 24 | $203.6M | $204.2M | ||
| Q1 24 | $181.7M | $174.1M |
营业利润率ESNTMTG
| Q4 25 | 59.1% | 71.2% | ||
| Q3 25 | 63.9% | 77.2% | ||
| Q2 25 | 72.4% | 80.9% | ||
| Q1 25 | 65.2% | 76.6% | ||
| Q4 24 | 61.9% | 77.9% | ||
| Q3 24 | 65.6% | 82.9% | ||
| Q2 24 | 76.4% | 85.1% | ||
| Q1 24 | 71.6% | 74.7% |
净利率ESNTMTG
| Q4 25 | 49.6% | 56.7% | ||
| Q3 25 | 52.7% | 62.8% | ||
| Q2 25 | 61.2% | 63.3% | ||
| Q1 25 | 55.2% | 60.6% | ||
| Q4 24 | 53.3% | 61.3% | ||
| Q3 24 | 55.6% | 65.2% | ||
| Q2 24 | 65.1% | 66.9% | ||
| Q1 24 | 60.9% | 59.1% |
每股收益（稀释后）ESNTMTG
| Q4 25 | $1.61 | $0.75 | ||
| Q3 25 | $1.67 | $0.83 | ||
| Q2 25 | $1.93 | $0.81 | ||
| Q1 25 | $1.69 | $0.75 | ||
| Q4 24 | $1.59 | $0.71 | ||
| Q3 24 | $1.65 | $0.77 | ||
| Q2 24 | $1.91 | $0.77 | ||
| Q1 24 | $1.70 | $0.64 |
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 | — | $369.0M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.8B | $5.1B |
| 总资产 | $7.4B | $6.6B |
| 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ESNTMTG
| Q4 25 | — | $369.0M | ||
| Q3 25 | — | $266.9M | ||
| Q2 25 | — | $294.9M | ||
| Q1 25 | — | $207.0M | ||
| Q4 24 | — | $229.5M | ||
| Q3 24 | — | $288.6M | ||
| Q2 24 | — | $281.8M | ||
| Q1 24 | — | $431.3M |
股东权益ESNTMTG
| Q4 25 | $5.8B | $5.1B | ||
| Q3 25 | $5.7B | $5.2B | ||
| Q2 25 | $5.7B | $5.2B | ||
| Q1 25 | $5.7B | $5.1B | ||
| Q4 24 | $5.6B | $5.2B | ||
| Q3 24 | $5.6B | $5.3B | ||
| Q2 24 | $5.4B | $5.1B | ||
| Q1 24 | $5.2B | $5.1B |
总资产ESNTMTG
| Q4 25 | $7.4B | $6.6B | ||
| Q3 25 | $7.4B | $6.6B | ||
| Q2 25 | $7.2B | $6.5B | ||
| Q1 25 | $7.2B | $6.5B | ||
| Q4 24 | $7.1B | $6.5B | ||
| Q3 24 | $7.1B | $6.7B | ||
| Q2 24 | $6.7B | $6.5B | ||
| Q1 24 | $6.6B | $6.5B |
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 | $230.8M |
| 自由现金流经营现金流 - 资本支出 | $228.0M | $230.2M |
| 自由现金流率自由现金流/营收 | 73.0% | 77.1% |
| 资本支出强度资本支出/营收 | 0.4% | 0.2% |
| 现金转化率经营现金流/净利润 | 1.48× | 1.36× |
| 过去12个月自由现金流最近4个季度 | $848.7M | $851.8M |
8季度趋势，按日历期对齐
经营现金流ESNTMTG
| Q4 25 | $229.1M | $230.8M | ||
| Q3 25 | $215.9M | $215.4M | ||
| Q2 25 | $189.5M | $183.0M | ||
| Q1 25 | $221.6M | $223.7M | ||
| Q4 24 | $226.7M | $182.4M | ||
| Q3 24 | $229.2M | $182.9M | ||
| Q2 24 | $188.7M | $169.2M | ||
| Q1 24 | $216.9M | $190.5M |
自由现金流ESNTMTG
| Q4 25 | $228.0M | $230.2M | ||
| Q3 25 | $210.6M | $215.1M | ||
| Q2 25 | $188.8M | $183.0M | ||
| Q1 25 | $221.3M | $223.5M | ||
| Q4 24 | $226.0M | $181.9M | ||
| Q3 24 | $228.7M | $182.5M | ||
| Q2 24 | $187.6M | $169.0M | ||
| Q1 24 | $212.5M | — |
自由现金流率ESNTMTG
| Q4 25 | 73.0% | 77.1% | ||
| Q3 25 | 67.5% | 70.6% | ||
| Q2 25 | 59.2% | 60.1% | ||
| Q1 25 | 69.7% | 73.0% | ||
| Q4 24 | 71.7% | 60.3% | ||
| Q3 24 | 72.2% | 59.5% | ||
| Q2 24 | 60.0% | 55.3% | ||
| Q1 24 | 71.2% | — |
资本支出强度ESNTMTG
| Q4 25 | 0.4% | 0.2% | ||
| Q3 25 | 1.7% | 0.1% | ||
| Q2 25 | 0.2% | 0.0% | ||
| Q1 25 | 0.1% | 0.0% | ||
| Q4 24 | 0.2% | 0.2% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.3% | 0.1% | ||
| Q1 24 | 1.5% | 0.0% |
现金转化率ESNTMTG
| Q4 25 | 1.48× | 1.36× | ||
| Q3 25 | 1.31× | 1.13× | ||
| Q2 25 | 0.97× | 0.95× | ||
| Q1 25 | 1.26× | 1.21× | ||
| Q4 24 | 1.35× | 0.99× | ||
| Q3 24 | 1.30× | 0.91× | ||
| Q2 24 | 0.93× | 0.83× | ||
| Q1 24 | 1.19× | 1.09× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
