American Financial vs Selective Insurance
AFG and SIGI side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How AFG and SIGI compare
American Financial is the larger company, worth 2.2 times as much as Selective Insurance ($12.8B against $5.9B).
On earnings, Selective Insurance is cheaper: it trades at 12.3× trailing earnings, against 13.4× for American Financial.
Selective Insurance grew revenue faster over the last twelve months (7.0% versus −0.24% for American Financial).
American Financial keeps more of each dollar of sales as profit, with a net margin of 11.5% compared with 9.1% at Selective Insurance.
Both pay dividends: American Financial yields 2.3% and Selective Insurance 1.7%.
Selective Insurance scores higher on the StockData Score (14 against 9 for American Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | AFG | SIGI |
|---|---|---|
| Size and price | ||
| Market cap | $12.8B | $5.9B |
| Share price | $153.87 | $98.83 |
| Change, 1 year | 18.5% | 32.4% |
| Change, 5 years | 7.6% | 21.3% |
| Beta (5Y) | 0.56 | 0.40 |
| Employees | 8,500 | 2,800 |
| StockData Score | ||
| Total score | 9 | 14 (better) |
| Valuation score | 0 | 3 (better) |
| Growth score | 2 | 4 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 1 (better) | 0 |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 13.4× | 12.3× (better) |
| P/S | 1.5× | 1.1× (better) |
| P/B | 2.6× | 1.6× (better) |
| EV/EBITDA | 8.8× | 8.2× (better) |
| P/FCF | – | 5.0× |
| PEG | – | 0.43 |
| FCF yield | – | 20.2% |
| Fair value | $123.84 | $110.60 |
| Margin of safety | −24.2% | 10.6% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.24% | 7.0% (better) |
| Revenue growth, 5Y average | 7.2% | 12.8% (better) |
| Net income growth (TTM) | 24.7% | 29.7% (better) |
| EPS growth (TTM) | 25.7% | 31.9% (better) |
| EPS growth, 5Y average | 4.2% | 12.9% (better) |
| Profitability | ||
| Operating margin | 14.5% | – |
| Net margin | 11.5% (better) | 9.1% |
| FCF margin | – | 21.7% |
| Return on equity | 20.4% (better) | 14.2% |
| Return on invested capital | 28.6% | – |
| Financial health | ||
| Interest coverage | 13.5× | – |
| Altman Z-score | 0.64 | 0.98 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.3% (better) | 1.7% |
| Payout ratio | 60.4% | 19.6% |
| Years of dividend growth | 0 | 12 (better) |
| Dividend growth, 5Y average | 13.6% (better) | 10.8% |
| Buyback yield | 0.61% | 2.3% (better) |
| Shareholder yield | 3.0% | 4.0% (better) |
| Ownership | ||
| Held by institutions | 69.9% | 89.2% |
| Held by insiders | 13.7% | 0.92% |
| Insider net buying, 12 months | −$16.0M | −$1.7M (better) |
Go deeper
- AFG stock overview
- AFG income statement
- AFG valuation and score
- SIGI stock overview
- SIGI income statement
- SIGI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.