Essent Group
ESNT · Commercial & Residential Mortgage Finance
$66.80
1.7%Glacier Bancorp
GBCI · Regional Banks
$47.81
4.0%The short version
- Essent Group is the larger business, with $1.3B of revenue in fiscal 2025 against $1.0B for Glacier Bancorp.
- Glacier Bancorp grew revenue faster (23.7%, against 1.5%).
- Essent Group turned more of its sales into free cash flow (67.3% FCF margin, against 33.7% FCF margin).
- Investors pay more for each dollar of Glacier Bancorp’s earnings: a P/E of 19.7x against 9.3x for Essent Group.
| Latest fiscal year | ESNT · FY25 | GBCI · FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.1B | $6.2B |
| Revenue | $1.3B | $1.0B |
| Free cash flow | $849M | $348M |
| Net income | $690M | $239M |
| Growth | ||
| Revenue growth | 1.5% | 23.7% |
| 5-year growth | 5.7% | 5.9% |
| Share count change | −6.1% | 5.9% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 54.7% | 23.2% |
| FCF margin | 67.3% | 33.7% |
| Return on capital | — | — |
| Return on equity | 12.2% | 6.4% |
| Balance sheet | ||
| Net debt | — | — |
| Net debt / EBITDA | — | — |
| Dividends and buybacks | $710M | $163M |
| Valuation & quality | ||
| P/E | 9.3x | 19.7x |
| Piotroski F-score | — | — |
FY16
ESNT $458M
GBCI $422M
FY17
ESNT $577M
GBCI $457M
FY18
ESNT $719M
GBCI $552M
FY19
ESNT $868M
GBCI $634M
FY20
ESNT $955M
GBCI $773M
FY21
ESNT $1.0B
GBCI $807M
FY22
ESNT $1.0B
GBCI $909M
FY23
ESNT $1.1B
GBCI $810M
FY24
ESNT $1.2B
GBCI $833M
FY25
ESNT $1.3B
GBCI $1.0B
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FY16
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FY17
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FY18
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FY19
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FY20
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FY21
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FY22
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FY23
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FY24
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FY25
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ESNT
GBCI
FY16
ESNT $271M
GBCI —
FY17
ESNT $366M
GBCI —
FY18
ESNT $621M
GBCI —
FY19
ESNT $586M
GBCI —
FY20
ESNT $725M
GBCI —
FY21
ESNT $707M
GBCI —
FY22
ESNT $585M
GBCI $437M
FY23
ESNT $759M
GBCI $451M
FY24
ESNT $855M
GBCI $210M
FY25
ESNT $849M
GBCI $348M
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FY20
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FY21
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FY22
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FY23
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FY24
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FY25
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ESNT
GBCI
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.