RLI
RLI · Property & Casualty Insurance
$64.83
3.3%Selective Insurance Group
SIGI · Property & Casualty Insurance
$96.61
5.3%The short version
- Selective Insurance Group is the larger business, with $5.3B of revenue in fiscal 2025 against $1.9B for RLI, about 2.8 times as much.
- Selective Insurance Group grew revenue faster (9.8%, against 6.3%).
- RLI turned more of its sales into free cash flow (32.3% FCF margin, against 22.4% FCF margin).
- Investors pay more for each dollar of RLI’s earnings: a P/E of 15.1x against 11.6x for Selective Insurance Group.
| Latest fiscal year | RLI · FY25 | SIGI · FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.0B | $5.8B |
| Revenue | $1.9B | $5.3B |
| Free cash flow | $609M | $1.2B |
| Net income | $403M | $466M |
| Growth | ||
| Revenue growth | 6.3% | 9.8% |
| 5-year growth | 13.9% | 12.8% |
| Share count change | −0.1% | −0.4% |
| Profitability | ||
| Gross margin | — | — |
| Operating margin | — | — |
| Net margin | 21.4% | 8.7% |
| FCF margin | 32.3% | 22.4% |
| Return on capital | — | 14.6% |
| Return on equity | 24.4% | 13.9% |
| Balance sheet | ||
| Net debt | — | $235M |
| Net debt / EBITDA | — | 0.4x |
| Dividends and buybacks | $242M | $186M |
| Valuation & quality | ||
| P/E | 15.1x | 11.6x |
| Piotroski F-score | — | — |
FY16
RLI $816M
SIGI $2.3B
FY17
RLI $797M
SIGI $2.5B
FY18
RLI $818M
SIGI $2.6B
FY19
RLI $1.0B
SIGI $2.8B
FY20
RLI $984M
SIGI $2.9B
FY21
RLI $1.2B
SIGI $3.4B
FY22
RLI $1.7B
SIGI $3.6B
FY23
RLI $1.5B
SIGI $4.2B
FY24
RLI $1.8B
SIGI $4.9B
FY25
RLI $1.9B
SIGI $5.3B
RLI
SIGI
FY16
RLI —
SIGI —
FY17
RLI —
SIGI —
FY18
RLI —
SIGI —
FY19
RLI —
SIGI —
FY20
RLI —
SIGI —
FY21
RLI —
SIGI —
FY22
RLI —
SIGI —
FY23
RLI —
SIGI —
FY24
RLI —
SIGI —
FY25
RLI —
SIGI —
RLI
SIGI
FY16
RLI $158M
SIGI —
FY17
RLI $188M
SIGI —
FY18
RLI $211M
SIGI $439M
FY19
RLI $270M
SIGI $447M
FY20
RLI $257M
SIGI $532M
FY21
RLI $377M
SIGI $749M
FY22
RLI $245M
SIGI $776M
FY23
RLI $458M
SIGI $736M
FY24
RLI $556M
SIGI $1.1B
FY25
RLI $609M
SIGI $1.2B
RLI
SIGI
FY16
RLI 12.6%
SIGI 10.6%
FY17
RLI 9.6%
SIGI 10.1%
FY18
RLI 7.6%
SIGI 10.4%
FY19
RLI 19.7%
SIGI 13.8%
FY20
RLI 14.1%
SIGI 10.2%
FY21
RLI 22.3%
SIGI 14.6%
FY22
RLI 43.8%
SIGI 8.9%
FY23
RLI 21.2%
SIGI 13.6%
FY24
RLI —
SIGI 7.4%
FY25
RLI —
SIGI 14.6%
RLI
SIGI
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Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.