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Essent Group Ltd.（ESNT）与RADIAN GROUP INC（RDN）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RADIAN GROUP INC的1.2倍（$312.4M vs $257.8M）。RADIAN GROUP INC净利率更高（60.1% vs 49.6%，领先10.5%）。Essent Group Ltd.同比增速更快（-0.8% vs -18.4%）。RADIAN GROUP INC自由现金流更多（$406.1M vs $228.0M）。过去两年Essent Group Ltd.的营收复合增速更高（2.3% vs -10.2%）
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。
瑞迪安集团（Radian Group Inc.）是一家专业的 mortgage 保险公司，业务涵盖抵押贷款保险、风险管控、房地产服务及产权服务等多个板块，为住房金融市场提供完善的配套服务支持，助力行业降低信贷相关风险。
ESNT vs RDN — 直观对比
营收规模更大
ESNT
是对方的1.2倍
$257.8M
营收增速更快
ESNT
高出17.6%
-18.4%
净利率更高
RDN
高出10.5%
49.6%
自由现金流更多
RDN
多$178.2M
$228.0M
两年增速更快
ESNT
近两年复合增速
-10.2%
损益表 — Q4 2025 vs Q4 2025
| 指标 | | |
|---|---|---|
| 营收 | $312.4M | $257.8M |
| 净利润 | $155.0M | $154.8M |
| 毛利率 | — | — |
| 营业利润率 | 59.1% | 88.9% |
| 净利率 | 49.6% | 60.1% |
| 营收同比 | -0.8% | -18.4% |
| 净利润同比 | -7.7% | 4.4% |
| 每股收益（稀释后） | $1.61 | $1.11 |
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ESNTRDN
| Q4 25 | $312.4M | $257.8M | ||
| Q3 25 | $311.8M | $303.2M | ||
| Q2 25 | $319.1M | $318.0M | ||
| Q1 25 | $317.6M | $318.1M | ||
| Q4 24 | $315.0M | $315.9M | ||
| Q3 24 | $316.6M | $333.9M | ||
| Q2 24 | $312.9M | $321.1M | ||
| Q1 24 | $298.4M | $319.4M |
净利润ESNTRDN
| Q4 25 | $155.0M | $154.8M | ||
| Q3 25 | $164.2M | $141.4M | ||
| Q2 25 | $195.3M | $141.8M | ||
| Q1 25 | $175.4M | $144.6M | ||
| Q4 24 | $167.9M | $148.3M | ||
| Q3 24 | $176.2M | $151.9M | ||
| Q2 24 | $203.6M | $151.9M | ||
| Q1 24 | $181.7M | $152.4M |
毛利率ESNTRDN
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 97.4% | ||
| Q1 25 | — | 97.2% | ||
| Q4 24 | — | 96.9% | ||
| Q3 24 | — | 97.1% | ||
| Q2 24 | — | 97.0% | ||
| Q1 24 | — | 97.1% |
营业利润率ESNTRDN
| Q4 25 | 59.1% | 88.9% | ||
| Q3 25 | 63.9% | 65.5% | ||
| Q2 25 | 72.4% | 55.0% | ||
| Q1 25 | 65.2% | 59.2% | ||
| Q4 24 | 61.9% | 59.9% | ||
| Q3 24 | 65.6% | 58.5% | ||
| Q2 24 | 76.4% | 58.6% | ||
| Q1 24 | 71.6% | 62.2% |
净利率ESNTRDN
| Q4 25 | 49.6% | 60.1% | ||
| Q3 25 | 52.7% | 46.7% | ||
| Q2 25 | 61.2% | 44.6% | ||
| Q1 25 | 55.2% | 45.4% | ||
| Q4 24 | 53.3% | 46.9% | ||
| Q3 24 | 55.6% | 45.5% | ||
| Q2 24 | 65.1% | 47.3% | ||
| Q1 24 | 60.9% | 47.7% |
每股收益（稀释后）ESNTRDN
| Q4 25 | $1.61 | $1.11 | ||
| Q3 25 | $1.67 | $1.03 | ||
| Q2 25 | $1.93 | $1.02 | ||
| Q1 25 | $1.69 | $0.98 | ||
| Q4 24 | $1.59 | $0.97 | ||
| Q3 24 | $1.65 | $0.99 | ||
| Q2 24 | $1.91 | $0.98 | ||
| Q1 24 | $1.70 | $0.98 |
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 | — | $24.8M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.8B | $4.8B |
| 总资产 | $7.4B | $8.1B |
| 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ESNTRDN
| Q4 25 | — | $24.8M | ||
| Q3 25 | — | $15.3M | ||
| Q2 25 | — | $22.1M | ||
| Q1 25 | — | $24.2M | ||
| Q4 24 | — | $38.8M | ||
| Q3 24 | — | $28.1M | ||
| Q2 24 | — | $13.8M | ||
| Q1 24 | — | $27.0M |
股东权益ESNTRDN
| Q4 25 | $5.8B | $4.8B | ||
| Q3 25 | $5.7B | $4.7B | ||
| Q2 25 | $5.7B | $4.5B | ||
| Q1 25 | $5.7B | $4.6B | ||
| Q4 24 | $5.6B | $4.6B | ||
| Q3 24 | $5.6B | $4.7B | ||
| Q2 24 | $5.4B | $4.5B | ||
| Q1 24 | $5.2B | $4.4B |
总资产ESNTRDN
| Q4 25 | $7.4B | $8.1B | ||
| Q3 25 | $7.4B | $8.2B | ||
| Q2 25 | $7.2B | $9.6B | ||
| Q1 25 | $7.2B | $8.8B | ||
| Q4 24 | $7.1B | $8.7B | ||
| Q3 24 | $7.1B | $8.4B | ||
| Q2 24 | $6.7B | $8.1B | ||
| Q1 24 | $6.6B | $7.8B |
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 | $407.0M |
| 自由现金流经营现金流 - 资本支出 | $228.0M | $406.1M |
| 自由现金流率自由现金流/营收 | 73.0% | 157.5% |
| 资本支出强度资本支出/营收 | 0.4% | 0.3% |
| 现金转化率经营现金流/净利润 | 1.48× | 2.63× |
| 过去12个月自由现金流最近4个季度 | $848.7M | $115.7M |
8季度趋势，按日历期对齐
经营现金流ESNTRDN
| Q4 25 | $229.1M | $407.0M | ||
| Q3 25 | $215.9M | $358.4M | ||
| Q2 25 | $189.5M | $-713.3M | ||
| Q1 25 | $221.6M | $67.8M | ||
| Q4 24 | $226.7M | $-269.4M | ||
| Q3 24 | $229.2M | $-237.9M | ||
| Q2 24 | $188.7M | $-207.3M | ||
| Q1 24 | $216.9M | $51.0M |
自由现金流ESNTRDN
| Q4 25 | $228.0M | $406.1M | ||
| Q3 25 | $210.6M | $357.6M | ||
| Q2 25 | $188.8M | $-714.6M | ||
| Q1 25 | $221.3M | $66.6M | ||
| Q4 24 | $226.0M | $-269.8M | ||
| Q3 24 | $228.7M | $-238.1M | ||
| Q2 24 | $187.6M | $-208.3M | ||
| Q1 24 | $212.5M | $49.5M |
自由现金流率ESNTRDN
| Q4 25 | 73.0% | 157.5% | ||
| Q3 25 | 67.5% | 117.9% | ||
| Q2 25 | 59.2% | -224.7% | ||
| Q1 25 | 69.7% | 20.9% | ||
| Q4 24 | 71.7% | -85.4% | ||
| Q3 24 | 72.2% | -71.3% | ||
| Q2 24 | 60.0% | -64.9% | ||
| Q1 24 | 71.2% | 15.5% |
资本支出强度ESNTRDN
| Q4 25 | 0.4% | 0.3% | ||
| Q3 25 | 1.7% | 0.3% | ||
| Q2 25 | 0.2% | 0.4% | ||
| Q1 25 | 0.1% | 0.4% | ||
| Q4 24 | 0.2% | 0.1% | ||
| Q3 24 | 0.2% | 0.1% | ||
| Q2 24 | 0.3% | 0.3% | ||
| Q1 24 | 1.5% | 0.5% |
现金转化率ESNTRDN
| Q4 25 | 1.48× | 2.63× | ||
| Q3 25 | 1.31× | 2.53× | ||
| Q2 25 | 0.97× | -5.03× | ||
| Q1 25 | 1.26× | 0.47× | ||
| Q4 24 | 1.35× | -1.82× | ||
| Q3 24 | 1.30× | -1.57× | ||
| Q2 24 | 0.93× | -1.36× | ||
| Q1 24 | 1.19× | 0.34× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
