Old Republic International vs Selective Insurance Group
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KIRAβs take AI analyst
I put Old Republic International and Selective Insurance Group side by side, using each oneβs latest annual report. Here is what stands out:
- Old Republic International is the larger business, with $9.1B of revenue in fiscal 2025 against $5.3B for Selective Insurance Group, about 1.7 times as much.
- Old Republic International grew revenue faster (11.0%, against 9.8%).
- Investors pay more for each dollar of Selective Insurance Groupβs earnings: a P/E of 11.9x against 8.4x for Old Republic International.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
Old Republic International
ORI
4/5
Revenue growthNet marginReturn on equityShare count change
Selective Insurance Group
SIGI
1/5
5-year growth
Side by side
Best in the row
| Latest fiscal year | ORI FY25 | SIGI FY25 |
|---|---|---|
| Size | ||
| Market cap | $9.5B | $5.9B |
| Revenue | $9.1B | $5.3B |
| Free cash flow | β | $1.2B |
| Net income | $935M | $466M |
| Growth | ||
| Revenue growth | 11.0% | 9.8% |
| 5-year growth | 5.0% | 12.8% |
| Share count change | β4.4% | β0.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 10.2% | 8.7% |
| FCF margin | β | 22.4% |
| Return on capital | β | 14.6% |
| Return on equity | 16.2% | 13.9% |
| Balance sheet | ||
| Net debt | β | $235M |
| Net debt / EBITDA | β | 0.4x |
| Dividends and buybacks | $906M | $186M |
| Valuation & quality | ||
| P/E | 8.4x | 11.9x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
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.