COMP <GO>
SIGI vs V // ALTMAN Z-SCORE & DEBT/EQUITY
Selective Insurance Group Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: SIGI 6
— V 6
■ METRIC PARITY
LAST: $100.76 (+1.95%) • MKT CAP: $5.83B
balance-sheet
—
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SIGI VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SIGI | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.80% | 32.30% | -25.50 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 14.8x | 28.9x | -14.10 | SIGI | /valuation <GO> |
| Free Cash Flow Yield | 20.38% | 2.90% | +17.48 | SIGI | /fcf-yield <GO> |
| Operating Margin | 10.70% | 60.00% | -49.30 | V | /operating-margins <GO> |
| Net Profit Margin | 8.70% | 50.10% | -41.40 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 9.80% | 11.30% | -1.50 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.59% | 0.63% | +0.96 | SIGI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 73.0 | 67.7 | +5.30 | SIGI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.06 | +0.10 | SIGI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 34.0x | -22.30 | SIGI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.83B | $738.98B | -$733.15B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SIGI REV | V REV | SIGI GROSS % | V GROSS % | SIGI FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.34B | $40.00B | — | — | $1.19B | $21.26B |
| FY 2024 | $4.86B | $35.93B | — | — | $1.07B | $18.33B |
| FY 2023 | $4.23B | $32.65B | — | — | $568.5M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SIGI // BETA 1.16
V // BETA 1.06