Old Republic International Corporation (ORI) vs Selective Insurance Group, Inc. (SIGI)

Old Republic International Corporation and Selective Insurance Group, Inc. are both Insurance Property & Casualty companies. Old Republic International Corporation is the larger, with a market value of $9.3B against $5.9B — 1.6× the size. Old Republic International Corporation trades at the lower P/E: 8.5× against 12.1×. Old Republic International Corporation grew revenue faster over the last twelve months: 12.5% against 3.99%. Old Republic International Corporation has the higher net margin (11.2% vs 9.23%) and the higher return on invested capital (12.5% vs 10.1%). Both pay a dividend; Old Republic International Corporation yields more (3.19% vs 2.19%). Across the 21 metrics below, Old Republic International Corporation leads on 12 and Selective Insurance Group, Inc. on 9.

Valuation

Metric ORI SIGI Insurance Property & Casualty median
P/E 8.52 12.06 11.87
P/S 0.94 1.09 1.26
P/B 1.58 1.83 1.99
Price to free cash flow 8.12 5.19 8.12
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 11.74% 8.29% 8.04%
Free cash flow yield 12.32% 19.28% 11.85%

Profitability

Metric ORI SIGI Insurance Property & Casualty median
Gross margin 14.85% 41.83% 41.66%
Operating margin 14.85% 12.84% 14.71%
Net margin 11.20% 9.23% 10.84%
Free cash flow margin 11.64% 20.94% 17.46%
Return on equity 17.88% 15.35% 16.87%
Return on assets 3.57% 3.27% 3.57%
Return on invested capital 12.51% 10.07% 12.03%

Growth

Metric ORI SIGI Insurance Property & Casualty median
Revenue growth (TTM) 12.51% 3.99% 5.92%
EPS growth (last fiscal year) 14.81% 131.89% 39.61%
Revenue growth, 5-year CAGR 4.98% 12.80% 9.23%
Net income growth, 5-year CAGR 10.86% 13.16% 10.09%

Health

Metric ORI SIGI Insurance Property & Casualty median
Debt to equity 0.30 0.26 0.25
Current ratio 0.18 0.25 0.42
Net debt to EBITDA 1.04 1.32 0.08

Dividend

Metric ORI SIGI Insurance Property & Casualty median
Dividend yield 3.19% 2.19% 1.44%
Payout ratio 0.28 0.26 0.14

Size

Metric ORI SIGI Insurance Property & Casualty median
Market cap 9.30b 5.93b 2.61b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack