HCI [HCI] vs Selective Insurance [SIGI] Detailed Stock Comparison
HCI
NYSE
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Selective Insurance
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: HCI wins in 7 metrics, Selective Insurance wins in 11 metrics, with 0 ties. Selective Insurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | HCI | Selective Insurance | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.94 | 13.73 | Selective Insurance |
| Price-to-Book Ratio | 4.49 | 1.61 | Selective Insurance |
| Debt-to-Equity Ratio | 27.57 | 26.79 | Selective Insurance |
| PEG Ratio | 2.25 | -0.06 | Selective Insurance |
| EV/EBITDA | 3.46 | 9.66 | HCI |
| Profit Margin (TTM) | 18.58% | 7.50% | HCI |
| Operating Margin (TTM) | -3.60% | 9.21% | Selective Insurance |
| EBITDA Margin (TTM) | N/A | 9.21% | N/A |
| Return on Equity | 25.47% | 12.20% | HCI |
| Return on Assets (TTM) | 6.73% | 2.56% | HCI |
| Free Cash Flow (TTM) | $327.76M | $1.07B | Selective Insurance |
| Dividend Yield | 0.81% | 2.41% | Selective Insurance |
| 1-Year Return | 67.69% | -11.01% | HCI |
| Price-to-Sales Ratio (TTM) | 3.23 | 1.00 | Selective Insurance |
| Enterprise Value | $820.68M | $5.65B | Selective Insurance |
| EV/Revenue Ratio | 1.06 | 1.11 | HCI |
| Revenue per Share (TTM) | $74 | $84 | Selective Insurance |
| Earnings per Share (Diluted) | $11.42 | $6.11 | HCI |
| Beta (Stock Volatility) | 1.16 | 0.39 | Selective Insurance |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
HCI vs Selective Insurance Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| HCI | 1.95% | 3.16% | 13.49% | 31.83% | 30.51% | 69.02% |
| Selective Insurance | 1.61% | 4.60% | 5.42% | -3.27% | -10.04% | -9.38% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| HCI | 67.69% | 481.89% | 305.19% | 384.43% | 2,818.25% | 2,995.68% |
| Selective Insurance | -11.01% | -0.94% | 55.54% | 147.00% | 397.38% | 238.10% |
News Based Sentiment: HCI vs Selective Insurance
HCI
News based Sentiment: POSITIVE
HCI Group experienced a very positive month, highlighted by a new 52-week high, strong Q2 earnings that beat expectations, and optimistic analyst projections. The filing for an IPO of its subsidiary, Exzeo, while carrying some risk, signals a strategic move to unlock value and capitalize on its technology assets, making this a significant month for the company.
Selective Insurance
News based Sentiment: MIXED
Selective Insurance is demonstrating positive financial performance with increased investment income and strong growth in premiums, supported by insider and institutional buying. However, mixed analyst ratings and technical indicators suggest potential short-term headwinds, creating a complex investment picture that requires careful consideration.
Performance & Financial Health Analysis: HCI vs Selective Insurance
| Metric | HCI | SIGI |
|---|---|---|
| Market Information | ||
| Market Cap | $2.51B | $5.11B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 136,390 | 402,450 |
| 90 Day Avg. Volume | 153,947 | 521,363 |
| Last Close | $193.48 | $83.51 |
| 52 Week Range | $91.06 - $194.19 | $71.75 - $103.56 |
| % from 52W High | -0.37% | -19.36% |
| All-Time High | $194.35 (Oct 03, 2025) | $109.58 (Mar 25, 2024) |
| % from All-Time High | -0.45% | -23.79% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.48% | 0.11% |
| Quarterly Earnings Growth | 0.08% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | 0.08% |
| Operating Margin (TTM) | -0.04% | 0.09% |
| Return on Equity (TTM) | 0.25% | 0.12% |
| Debt to Equity (MRQ) | 27.57 | 26.79 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $43.12 | $52.09 |
| Cash per Share (MRQ) | $84.18 | $8.74 |
| Operating Cash Flow (TTM) | $485.84M | $1.17B |
| Levered Free Cash Flow (TTM) | $485.27M | $1.04B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.81% | 2.41% |
| Last 12-Month Dividend | $1.20 | $1.87 |
Valuation & Enterprise Metrics Analysis: HCI vs Selective Insurance
| Metric | HCI | SIGI |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.94 | 13.73 |
| Forward P/E | 15.28 | 10.77 |
| PEG Ratio | 2.25 | -0.06 |
| Price to Sales (TTM) | 3.23 | 1.00 |
| Price to Book (MRQ) | 4.49 | 1.61 |
| Market Capitalization | ||
| Market Capitalization | $2.51B | $5.11B |
| Enterprise Value | $820.68M | $5.65B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.06 | 1.11 |
| Enterprise to EBITDA | 3.46 | 9.66 |
| Risk & Other Metrics | ||
| Beta | 1.16 | 0.39 |
| Book Value per Share (MRQ) | $43.12 | $52.09 |
Financial Statements Comparison: HCI vs Selective Insurance
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | HCI | SIGI |
|---|---|---|
| Revenue/Sales | $221.95M | $1.33B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $94.39M | $108.91M |
| Income Tax | $24.11M | $22.96M |
| Net Income (Profit) | $70.28M | $85.94M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | HCI | SIGI |
|---|---|---|
| Cash & Equivalents | $754.48M | $124,000 |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $185.33M | $903.23M |
| Total Shareholders Equity | $544.47M | $3.26B |
| Retained Earnings | $397.17M | $3.22B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | HCI | SIGI |
|---|---|---|
| Operating Cash Flow | $128.33M | $67.40M |
| Capital Expenditures | $-1.73M | $-13.01M |
| Free Cash Flow | $160.27M | $270.97M |
| Debt Repayment | $-133,000 | $-701,000 |
| Common Stock Repurchase | $-639,000 | $-25.20M |
Short Interest & Institutional Ownership Analysis
| Metric | HCI | SIGI |
|---|---|---|
| Shares Short | 497,926 | 1.40M |
| Short Ratio | 3.70 | 2.71 |
| Short % of Float | 0.05% | 0.03% |
| Average Daily Volume (10 Day) | 136,390 | 402,450 |
| Average Daily Volume (90 Day) | 153,947 | 521,363 |
| Shares Outstanding | 10.77M | 60.85M |
| Float Shares | 5.16M | 60.23M |
| % Held by Insiders | 0.18% | 0.01% |
| % Held by Institutions | 0.80% | 0.87% |
Dividend Analysis & Yield Comparison: HCI vs Selective Insurance
| Metric | HCI | SIGI |
|---|---|---|
| Last 12-Month Dividend | $1.20 | $1.87 |
| Last 12-Month Dividend Yield | 0.81% | 2.41% |
| 3-Year Avg Annual Dividend | $1.33 | $1.47 |
| 3-Year Avg Dividend Yield | 0.57% | 0.37% |
| 3-Year Total Dividends | $4.00 | $4.40 |
| Ex-Dividend Date | Feb 21, 2025 | Aug 15, 2025 |