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Essent Group Ltd.（ESNT）与NMI Holdings, Inc.（NMIH）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NMI Holdings, Inc.的1.7倍（$312.4M vs $180.7M）。NMI Holdings, Inc.净利率更高（52.1% vs 49.6%，领先2.5%）。NMI Holdings, Inc.同比增速更快（8.5% vs -0.8%）。Essent Group Ltd.自由现金流更多（$228.0M vs $60.1M）。过去两年NMI Holdings, Inc.的营收复合增速更高（7.5% 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。
NMI控股是美国头部私人抵押贷款保险服务商，主要为贷款机构提供抵押贷款担保保险产品，降低住房抵押贷款信用风险，服务美国本土住宅市场，助力符合资质的购房者获得购房便利，同时保护放贷机构免受违约损失。
ESNT vs NMIH — 直观对比
营收规模更大
ESNT
是对方的1.7倍
$180.7M
营收增速更快
NMIH
高出9.4%
-0.8%
净利率更高
NMIH
高出2.5%
49.6%
自由现金流更多
ESNT
多$167.9M
$60.1M
两年增速更快
NMIH
近两年复合增速
2.3%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $180.7M |
| 净利润 | $155.0M | $94.2M |
| 毛利率 | — | — |
| 营业利润率 | 59.1% | 67.0% |
| 净利率 | 49.6% | 52.1% |
| 营收同比 | -0.8% | 8.5% |
| 净利润同比 | -7.7% | 9.3% |
| 每股收益（稀释后） | $1.61 | $1.21 |
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ESNTNMIH
| Q4 25 | $312.4M | $180.7M | ||
| Q3 25 | $311.8M | $178.7M | ||
| Q2 25 | $319.1M | $173.8M | ||
| Q1 25 | $317.6M | $173.2M | ||
| Q4 24 | $315.0M | $166.5M | ||
| Q3 24 | $316.6M | $166.1M | ||
| Q2 24 | $312.9M | $162.1M | ||
| Q1 24 | $298.4M | $156.3M |
净利润ESNTNMIH
| Q4 25 | $155.0M | $94.2M | ||
| Q3 25 | $164.2M | $96.0M | ||
| Q2 25 | $195.3M | $96.2M | ||
| Q1 25 | $175.4M | $102.6M | ||
| Q4 24 | $167.9M | $86.2M | ||
| Q3 24 | $176.2M | $92.8M | ||
| Q2 24 | $203.6M | $92.1M | ||
| Q1 24 | $181.7M | $89.0M |
营业利润率ESNTNMIH
| Q4 25 | 59.1% | 67.0% | ||
| Q3 25 | 63.9% | 69.2% | ||
| Q2 25 | 72.4% | 71.1% | ||
| Q1 25 | 65.2% | 75.8% | ||
| Q4 24 | 61.9% | 66.6% | ||
| Q3 24 | 65.6% | 71.8% | ||
| Q2 24 | 76.4% | 73.2% | ||
| Q1 24 | 71.6% | 73.3% |
净利率ESNTNMIH
| Q4 25 | 49.6% | 52.1% | ||
| Q3 25 | 52.7% | 53.7% | ||
| Q2 25 | 61.2% | 55.3% | ||
| Q1 25 | 55.2% | 59.2% | ||
| Q4 24 | 53.3% | 51.8% | ||
| Q3 24 | 55.6% | 55.9% | ||
| Q2 24 | 65.1% | 56.8% | ||
| Q1 24 | 60.9% | 57.0% |
每股收益（稀释后）ESNTNMIH
| Q4 25 | $1.61 | $1.21 | ||
| Q3 25 | $1.67 | $1.22 | ||
| Q2 25 | $1.93 | $1.21 | ||
| Q1 25 | $1.69 | $1.28 | ||
| Q4 24 | $1.59 | $1.07 | ||
| Q3 24 | $1.65 | $1.15 | ||
| Q2 24 | $1.91 | $1.13 | ||
| Q1 24 | $1.70 | $1.08 |
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 | $2.6B |
| 总资产 | $7.4B | $3.8B |
| 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ESNTNMIH
| Q4 25 | $5.8B | $2.6B | ||
| Q3 25 | $5.7B | $2.5B | ||
| Q2 25 | $5.7B | $2.4B | ||
| Q1 25 | $5.7B | $2.3B | ||
| Q4 24 | $5.6B | $2.2B | ||
| Q3 24 | $5.6B | $2.2B | ||
| Q2 24 | $5.4B | $2.0B | ||
| Q1 24 | $5.2B | $2.0B |
总资产ESNTNMIH
| Q4 25 | $7.4B | $3.8B | ||
| Q3 25 | $7.4B | $3.7B | ||
| Q2 25 | $7.2B | $3.6B | ||
| Q1 25 | $7.2B | $3.5B | ||
| Q4 24 | $7.1B | $3.3B | ||
| Q3 24 | $7.1B | $3.3B | ||
| Q2 24 | $6.7B | $3.1B | ||
| Q1 24 | $6.6B | $3.0B |
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 | $61.7M |
| 自由现金流经营现金流 - 资本支出 | $228.0M | $60.1M |
| 自由现金流率自由现金流/营收 | 73.0% | 33.3% |
| 资本支出强度资本支出/营收 | 0.4% | 0.9% |
| 现金转化率经营现金流/净利润 | 1.48× | 0.66× |
| 过去12个月自由现金流最近4个季度 | $848.7M | $412.5M |
8季度趋势，按日历期对齐
经营现金流ESNTNMIH
| Q4 25 | $229.1M | $61.7M | ||
| Q3 25 | $215.9M | $128.0M | ||
| Q2 25 | $189.5M | $128.4M | ||
| Q1 25 | $221.6M | $101.2M | ||
| Q4 24 | $226.7M | $35.8M | ||
| Q3 24 | $229.2M | $128.4M | ||
| Q2 24 | $188.7M | $117.8M | ||
| Q1 24 | $216.9M | $111.6M |
自由现金流ESNTNMIH
| Q4 25 | $228.0M | $60.1M | ||
| Q3 25 | $210.6M | $126.3M | ||
| Q2 25 | $188.8M | $126.7M | ||
| Q1 25 | $221.3M | $99.4M | ||
| Q4 24 | $226.0M | $34.4M | ||
| Q3 24 | $228.7M | $126.9M | ||
| Q2 24 | $187.6M | $115.9M | ||
| Q1 24 | $212.5M | $109.4M |
自由现金流率ESNTNMIH
| Q4 25 | 73.0% | 33.3% | ||
| Q3 25 | 67.5% | 70.7% | ||
| Q2 25 | 59.2% | 72.9% | ||
| Q1 25 | 69.7% | 57.4% | ||
| Q4 24 | 71.7% | 20.7% | ||
| Q3 24 | 72.2% | 76.4% | ||
| Q2 24 | 60.0% | 71.5% | ||
| Q1 24 | 71.2% | 70.0% |
资本支出强度ESNTNMIH
| Q4 25 | 0.4% | 0.9% | ||
| Q3 25 | 1.7% | 1.0% | ||
| Q2 25 | 0.2% | 0.9% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.2% | 0.8% | ||
| Q3 24 | 0.2% | 0.9% | ||
| Q2 24 | 0.3% | 1.1% | ||
| Q1 24 | 1.5% | 1.4% |
现金转化率ESNTNMIH
| Q4 25 | 1.48× | 0.66× | ||
| Q3 25 | 1.31× | 1.33× | ||
| Q2 25 | 0.97× | 1.33× | ||
| Q1 25 | 1.26× | 0.99× | ||
| Q4 24 | 1.35× | 0.42× | ||
| Q3 24 | 1.30× | 1.38× | ||
| Q2 24 | 0.93× | 1.28× | ||
| Q1 24 | 1.19× | 1.25× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
