Profitability
This table shows the net margins, return on equity, and return on assets for Employers and Selective Insurance Group.
| Net Margins | Return on Equity | Return on Assets | |
| Employers | 13.76% | 9.95% | 2.79% |
| Selective Insurance Group | 5.12% | 8.75% | 1.96% |
Volatility & Risk
Employers has a beta of 0.24, making it 76% less volatile than the S&P 500. Selective Insurance Group has a beta of 0.56, indicating it is 44% less volatile.
Earnings and Valuation
This table compares the revenue, earnings per share, and valuation of both companies.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Employers | $869.30 million | 1.41 | $118.10 million | $4.72 | 10.21 |
| Selective Insurance Group | $4.23 billion | 1.35 | $365.24 million | $3.66 | 25.67 |
Selective Insurance Group has higher revenue and earnings than Employers. However, Employers has a lower price-to-earnings ratio, making it the cheaper stock.
Analyst Recommendations
Below are the recent ratings for both companies.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Employers | 0 | 2 | 1 | 0 | 2.33 |
| Selective Insurance Group | 1 | 4 | 2 | 0 | 2.14 |
Employers has a target price of $55.00 (14.11% potential upside), while Selective Insurance Group’s target price is $98.50 (4.85% upside). Analysts favor Employers based on its better rating and higher potential gain.
Institutional and Insider Ownership
80.5% of Employers’ shares and 82.9% of Selective Insurance Group’s shares are owned by institutional investors. Both companies have 1.5% of their shares owned by insiders, suggesting strong investor confidence.
Dividends
Employers offers a $1.20 annual dividend per share (2.5% yield), while Selective Insurance Group pays $1.40 (1.5% yield). Employers has a lower payout ratio (25.4% vs. 38.3%), making it a better dividend stock.
Summary
Employers outperforms Selective Insurance Group in 9 out of 15 comparison factors.
About Employers
Employers Holdings, Inc. operates in the U.S. commercial property and casualty insurance sector, providing workers’ compensation insurance to small businesses. Founded in 2000, the company is based in Henderson, Nevada.
About Selective Insurance Group
Selective Insurance Group, founded in 1926 and based in Branchville, New Jersey, provides various insurance products across the U.S., including casualty and property insurance, investing in a range of financial instruments.
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