COMP <GO>
SIGI vs ESNT // NET PROFIT MARGIN
Selective Insurance Group Inc. (NASDAQ) VS. Essent Group Ltd. (NYSE) • 15-METRIC TALLY: SIGI 5
— ESNT 7
▲ NET PROFIT MARGIN LEADER: ESNT
LAST: $100.76 (+1.95%) • MKT CAP: $5.83B
net-margins
8.70%
LAST: $68.24 (+1.82%) • MKT CAP: $6.02B
net-margins
54.70%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SIGI VS. ESNT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SIGI | ESNT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.80% | 11.90% | -5.10 | ESNT | /roic <GO> |
| EV/EBITDA & P/E Valuation | 14.8x | 6.9x | +7.90 | ESNT | /valuation <GO> |
| Free Cash Flow Yield | 20.38% | 13.97% | +6.41 | SIGI | /fcf-yield <GO> |
| Operating Margin | 10.70% | 66.80% | -56.10 | ESNT | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 8.70% | 54.70% | -46.00 | ESNT | /net-margins <GO> |
| Revenue Growth (YoY) | 9.80% | 1.50% | +8.30 | SIGI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.59% | 2.01% | -0.42 | ESNT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | SIGI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 73.0 | 57.0 | +16.00 | SIGI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.96 | +0.20 | SIGI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 8.2x | +3.50 | ESNT | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.83B | $6.02B | -$192.9M | ESNT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SIGI REV | ESNT REV | SIGI GROSS % | ESNT GROSS % | SIGI FCF | ESNT FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.34B | $1.26B | — | — | $1.19B | $848.7M |
| FY 2024 | $4.86B | $1.24B | — | — | $1.07B | $854.8M |
| FY 2023 | $4.23B | $1.11B | — | — | $568.5M | $713.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SIGI // BETA 1.16
ESNT // BETA 0.96