Selective Insurance vs Hanover Insurance
SIGI and THG 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 SIGI and THG compare
Hanover Insurance is the larger company, worth 1.4 times as much as Selective Insurance ($8.4B against $5.9B).
On earnings, Hanover Insurance is cheaper: it trades at 11.6× trailing earnings, against 12.3× for Selective Insurance.
Selective Insurance grew revenue faster over the last twelve months (7.0% versus 5.6% for Hanover Insurance).
Hanover Insurance keeps more of each dollar of sales as profit, with a net margin of 11.2% compared with 9.1% at Selective Insurance.
Both pay dividends: Selective Insurance yields 1.7% and Hanover Insurance 1.6%.
Selective Insurance scores higher on the StockData Score (14 against 13 for Hanover Insurance), 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 | SIGI | THG |
|---|---|---|
| Size and price | ||
| Market cap | $5.9B | $8.4B |
| Share price | $98.83 | $242.09 |
| Change, 1 year | 32.4% | 43.8% |
| Change, 5 years | 21.3% | 92.6% |
| Beta (5Y) | 0.40 | 0.40 |
| Employees | 2,800 | 4,900 |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 3 (better) | 1 |
| Growth score | 4 (better) | 2 |
| Performance score | 3 | 4 (better) |
| Health score | 0 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 12.3× | 11.6× (better) |
| P/S | 1.1× (better) | 1.2× |
| P/B | 1.6× (better) | 2.3× |
| EV/EBITDA | 8.2× | 7.9× (better) |
| P/FCF | 5.0× (better) | 6.7× |
| PEG | 0.43 | 0.15 (better) |
| FCF yield | 20.2% (better) | 14.9% |
| Fair value | $110.60 | $220.44 |
| Margin of safety | 10.6% (better) | −9.8% |
| Growth | ||
| Revenue growth (TTM) | 7.0% (better) | 5.6% |
| Revenue growth, 5Y average | 12.8% (better) | 6.4% |
| Net income growth (TTM) | 29.7% | 36.1% (better) |
| EPS growth (TTM) | 31.9% | 37.5% (better) |
| EPS growth, 5Y average | 12.9% | 14.0% (better) |
| Profitability | ||
| Operating margin | – | 15.4% |
| Net margin | 9.1% | 11.2% (better) |
| FCF margin | 21.7% (better) | 18.5% |
| Return on equity | 14.2% | 21.9% (better) |
| Return on invested capital | – | 23.6% |
| Financial health | ||
| Debt / equity | – | 0.01 |
| Net debt / EBITDA | – | −0.21 |
| Interest coverage | – | 22.1× |
| Altman Z-score | 0.98 | 1.32 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 1.7% (better) | 1.6% |
| Payout ratio | 19.6% | 17.5% |
| Years of dividend growth | 12 | – |
| Dividend growth, 5Y average | 10.8% | – |
| Buyback yield | 2.3% | 2.8% (better) |
| Shareholder yield | 4.0% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 89.2% | 92.0% |
| Held by insiders | 0.92% | 1.2% |
| Insider net buying, 12 months | −$1.7M (better) | −$16.2M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 3.0% |
Go deeper
- SIGI stock overview
- SIGI income statement
- SIGI valuation and score
- THG stock overview
- THG income statement
- THG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.