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Essent Group Ltd.（ESNT）与RBC Bearings INC（RBC）财务数据对比。点击上方公司名可切换其他公司
RBC Bearings INC的季度营收约是Essent Group Ltd.的1.5倍（$461.6M vs $312.4M），Essent Group Ltd.净利率更高（49.6% vs 14.6%，领先35.0%），RBC Bearings INC同比增速更快（17.0% vs -0.8%），Essent Group Ltd.自由现金流更多（$848.7M vs $99.1M），过去两年RBC Bearings INC的营收复合增速更高（5.6% 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。
该文本实际介绍的并非RBC Bearings，而是美国多佛公司。多佛是一家工业产品综合制造商，1955年成立，总部位于伊利诺伊州当纳斯格罗夫。2021年其业务分为五大板块：工程产品、清洁能源与加注、成像与识别、泵与工艺解决方案、气候与可持续技术，是标普500成分股，在纽约证券交易所上市。
ESNT vs RBC — 直观对比
营收规模更大
RBC
是对方的1.5倍
$312.4M
营收增速更快
RBC
高出17.9%
-0.8%
净利率更高
ESNT
高出35.0%
14.6%
自由现金流更多
ESNT
多$749.6M
$99.1M
两年增速更快
RBC
近两年复合增速
2.3%
损益表 — Q4 FY2025 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $461.6M |
| 净利润 | $155.0M | $67.4M |
| 毛利率 | — | 44.3% |
| 营业利润率 | 59.1% | 22.3% |
| 净利率 | 49.6% | 14.6% |
| 营收同比 | -0.8% | 17.0% |
| 净利润同比 | -7.7% | 16.4% |
| 每股收益（稀释后） | $1.61 | $2.13 |
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ESNTRBC
| Q4 25 | $312.4M | $461.6M | ||
| Q3 25 | $311.8M | $455.3M | ||
| Q2 25 | $319.1M | $436.0M | ||
| Q1 25 | $317.6M | $437.7M | ||
| Q4 24 | $315.0M | $394.4M | ||
| Q3 24 | $316.6M | $397.9M | ||
| Q2 24 | $312.9M | $406.3M | ||
| Q1 24 | $298.4M | $413.7M |
净利润ESNTRBC
| Q4 25 | $155.0M | $67.4M | ||
| Q3 25 | $164.2M | $60.0M | ||
| Q2 25 | $195.3M | $68.5M | ||
| Q1 25 | $175.4M | $72.7M | ||
| Q4 24 | $167.9M | $57.9M | ||
| Q3 24 | $176.2M | $54.2M | ||
| Q2 24 | $203.6M | $61.4M | ||
| Q1 24 | $181.7M | — |
毛利率ESNTRBC
| Q4 25 | — | 44.3% | ||
| Q3 25 | — | 44.1% | ||
| Q2 25 | — | 44.8% | ||
| Q1 25 | — | 44.2% | ||
| Q4 24 | — | 44.3% | ||
| Q3 24 | — | 43.7% | ||
| Q2 24 | — | 45.3% | ||
| Q1 24 | — | 43.1% |
营业利润率ESNTRBC
| Q4 25 | 59.1% | 22.3% | ||
| Q3 25 | 63.9% | 21.5% | ||
| Q2 25 | 72.4% | 23.2% | ||
| Q1 25 | 65.2% | 23.0% | ||
| Q4 24 | 61.9% | 21.7% | ||
| Q3 24 | 65.6% | 21.6% | ||
| Q2 24 | 76.4% | 24.0% | ||
| Q1 24 | 71.6% | 22.8% |
净利率ESNTRBC
| Q4 25 | 49.6% | 14.6% | ||
| Q3 25 | 52.7% | 13.2% | ||
| Q2 25 | 61.2% | 15.7% | ||
| Q1 25 | 55.2% | 16.6% | ||
| Q4 24 | 53.3% | 14.7% | ||
| Q3 24 | 55.6% | 13.6% | ||
| Q2 24 | 65.1% | 15.1% | ||
| Q1 24 | 60.9% | — |
每股收益（稀释后）ESNTRBC
| Q4 25 | $1.61 | $2.13 | ||
| Q3 25 | $1.67 | $1.90 | ||
| Q2 25 | $1.93 | $2.17 | ||
| Q1 25 | $1.69 | $2.33 | ||
| Q4 24 | $1.59 | $1.82 | ||
| Q3 24 | $1.65 | $1.65 | ||
| Q2 24 | $1.91 | $1.90 | ||
| Q1 24 | $1.70 | $1.92 |
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 | — | $107.6M |
| 总债务越低越好 | — | $990.2M |
| 股东权益账面价值 | $5.8B | $3.3B |
| 总资产 | $7.4B | $5.1B |
| 负债/权益比越低杠杆越低 | — | 0.30× |
8季度趋势，按日历期对齐
现金及短期投资ESNTRBC
| Q4 25 | — | $107.6M | ||
| Q3 25 | — | $91.2M | ||
| Q2 25 | — | $132.9M | ||
| Q1 25 | — | $36.8M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $76.8M | ||
| Q1 24 | — | $63.5M |
总债务ESNTRBC
| Q4 25 | — | $990.2M | ||
| Q3 25 | — | $1.1B | ||
| Q2 25 | — | $915.6M | ||
| Q1 25 | — | $920.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | $1.2B |
股东权益ESNTRBC
| Q4 25 | $5.8B | $3.3B | ||
| Q3 25 | $5.7B | $3.2B | ||
| Q2 25 | $5.7B | $3.1B | ||
| Q1 25 | $5.7B | $3.0B | ||
| Q4 24 | $5.6B | $2.9B | ||
| Q3 24 | $5.6B | $2.9B | ||
| Q2 24 | $5.4B | $2.8B | ||
| Q1 24 | $5.2B | $2.8B |
总资产ESNTRBC
| Q4 25 | $7.4B | $5.1B | ||
| Q3 25 | $7.4B | $5.1B | ||
| Q2 25 | $7.2B | $4.8B | ||
| Q1 25 | $7.2B | $4.7B | ||
| Q4 24 | $7.1B | $4.7B | ||
| Q3 24 | $7.1B | $4.7B | ||
| Q2 24 | $6.7B | $4.7B | ||
| Q1 24 | $6.6B | $4.7B |
负债/权益比ESNTRBC
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.34× | ||
| Q2 25 | — | 0.29× | ||
| Q1 25 | — | 0.30× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 0.43× |
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 | $122.1M |
| 自由现金流经营现金流 - 资本支出 | $848.7M | $99.1M |
| 自由现金流率自由现金流/营收 | 271.7% | 21.5% |
| 资本支出强度资本支出/营收 | 2.4% | 5.0% |
| 现金转化率经营现金流/净利润 | 5.52× | 1.81× |
| 过去12个月自由现金流最近4个季度 | $1.5B | — |
8季度趋势，按日历期对齐
经营现金流ESNTRBC
| Q4 25 | $856.1M | $122.1M | ||
| Q3 25 | $215.9M | $88.4M | ||
| Q2 25 | $189.5M | $120.0M | ||
| Q1 25 | $221.6M | — | ||
| Q4 24 | $861.5M | $84.0M | ||
| Q3 24 | $229.2M | — | ||
| Q2 24 | $188.7M | $97.4M | ||
| Q1 24 | $216.9M | — |
自由现金流ESNTRBC
| Q4 25 | $848.7M | $99.1M | ||
| Q3 25 | $210.6M | $71.7M | ||
| Q2 25 | $188.8M | $104.3M | ||
| Q1 25 | $221.3M | — | ||
| Q4 24 | $854.8M | $73.6M | ||
| Q3 24 | $228.7M | — | ||
| Q2 24 | $187.6M | $88.4M | ||
| Q1 24 | $212.5M | — |
自由现金流率ESNTRBC
| Q4 25 | 271.7% | 21.5% | ||
| Q3 25 | 67.5% | 15.7% | ||
| Q2 25 | 59.2% | 23.9% | ||
| Q1 25 | 69.7% | — | ||
| Q4 24 | 271.3% | 18.7% | ||
| Q3 24 | 72.2% | — | ||
| Q2 24 | 60.0% | 21.8% | ||
| Q1 24 | 71.2% | — |
资本支出强度ESNTRBC
| Q4 25 | 2.4% | 5.0% | ||
| Q3 25 | 1.7% | 3.7% | ||
| Q2 25 | 0.2% | 3.6% | ||
| Q1 25 | 0.1% | 3.2% | ||
| Q4 24 | 2.1% | 2.6% | ||
| Q3 24 | 0.2% | 4.1% | ||
| Q2 24 | 0.3% | 2.2% | ||
| Q1 24 | 1.5% | — |
现金转化率ESNTRBC
| Q4 25 | 5.52× | 1.81× | ||
| Q3 25 | 1.31× | 1.47× | ||
| Q2 25 | 0.97× | 1.75× | ||
| Q1 25 | 1.26× | — | ||
| Q4 24 | 5.13× | 1.45× | ||
| Q3 24 | 1.30× | — | ||
| Q2 24 | 0.93× | 1.59× | ||
| 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% |
RBC
| Domestic | $413.3M | 90% |
| Foreign | $48.3M | 10% |
