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Side-by-side financial comparison of A. O. Smith (AOS) and SELECTIVE INSURANCE GROUP INC (SIGI). Click either name above to swap in a different company.
SELECTIVE INSURANCE GROUP INC is the larger business by last-quarter revenue ($1.4B vs $945.6M, roughly 1.4× A. O. Smith). A. O. Smith runs the higher net margin — 12.5% vs 7.2%, a 5.3% gap on every dollar of revenue. On growth, SELECTIVE INSURANCE GROUP INC posted the faster year-over-year revenue change (5.7% vs -2.0%). Over the past eight quarters, SELECTIVE INSURANCE GROUP INC's revenue compounded faster (6.6% CAGR vs -3.9%).
A. O. Smith Corporation is an American manufacturer of both residential and commercial water heaters and boilers, and the largest manufacturer and marketer of water heaters in North America. It also supplies water treatment and purification products in the Asian market. The company has 27 locations worldwide, including five manufacturing facilities in North America, as well as plants in Bengaluru in India, Nanjing in China and Veldhoven in The Netherlands.
Selective Insurance Group Inc. is a U.S.-based insurance holding company that provides a comprehensive portfolio of property and casualty insurance products, including personal auto, home insurance, commercial property, liability, and workers' compensation coverage. It primarily serves small and medium-sized businesses, individual consumers, and nonprofits across the U.S., distributing offerings via a network of independent insurance agents.
AOS vs SIGI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $945.6M | $1.4B |
| Net Profit | $118.0M | $97.7M |
| Gross Margin | 38.7% | — |
| Operating Margin | — | — |
| Net Margin | 12.5% | 7.2% |
| Revenue YoY | -2.0% | 5.7% |
| Net Profit YoY | -14.0% | — |
| EPS (diluted) | $0.85 | $1.58 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $945.6M | $1.4B | ||
| Q4 25 | $912.5M | $1.4B | ||
| Q3 25 | $942.5M | $1.4B | ||
| Q2 25 | $1.0B | $1.3B | ||
| Q1 25 | $963.9M | $1.3B | ||
| Q4 24 | $912.4M | $1.3B | ||
| Q3 24 | $902.6M | $1.2B | ||
| Q2 24 | $1.0B | $1.2B |
| Q1 26 | $118.0M | $97.7M | ||
| Q4 25 | $125.4M | $155.2M | ||
| Q3 25 | $132.0M | $115.3M | ||
| Q2 25 | $152.2M | $85.9M | ||
| Q1 25 | $136.6M | $109.9M | ||
| Q4 24 | $109.7M | $95.5M | ||
| Q3 24 | $120.1M | $92.3M | ||
| Q2 24 | $156.2M | $-63.3M |
| Q1 26 | 38.7% | — | ||
| Q4 25 | 38.4% | — | ||
| Q3 25 | 38.7% | — | ||
| Q2 25 | 39.3% | — | ||
| Q1 25 | 38.9% | — | ||
| Q4 24 | 37.1% | — | ||
| Q3 24 | 37.4% | — | ||
| Q2 24 | 38.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 17.9% | 14.4% | ||
| Q3 25 | 18.6% | 10.7% | ||
| Q2 25 | 20.4% | 8.2% | ||
| Q1 25 | 19.1% | 10.8% | ||
| Q4 24 | 10.1% | 9.5% | ||
| Q3 24 | 19.5% | 9.4% | ||
| Q2 24 | 21.9% | -6.7% |
| Q1 26 | 12.5% | 7.2% | ||
| Q4 25 | 13.7% | 11.4% | ||
| Q3 25 | 14.0% | 8.5% | ||
| Q2 25 | 15.0% | 6.5% | ||
| Q1 25 | 14.2% | 8.6% | ||
| Q4 24 | 12.0% | 7.6% | ||
| Q3 24 | 13.3% | 7.4% | ||
| Q2 24 | 15.2% | -5.3% |
| Q1 26 | $0.85 | $1.58 | ||
| Q4 25 | $0.89 | $2.52 | ||
| Q3 25 | $0.94 | $1.85 | ||
| Q2 25 | $1.07 | $1.36 | ||
| Q1 25 | $0.95 | $1.76 | ||
| Q4 24 | $0.75 | $1.53 | ||
| Q3 24 | $0.82 | $1.47 | ||
| Q2 24 | $1.06 | $-1.08 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $185.2M | $451.8M |
| Total DebtLower is stronger | $574.2M | $901.4M |
| Stockholders' EquityBook value | $1.9B | $3.6B |
| Total Assets | $3.7B | $15.3B |
| Debt / EquityLower = less leverage | 0.31× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $185.2M | $451.8M | ||
| Q4 25 | $193.2M | — | ||
| Q3 25 | $172.8M | — | ||
| Q2 25 | $177.9M | — | ||
| Q1 25 | $200.2M | — | ||
| Q4 24 | $276.1M | — | ||
| Q3 24 | $255.6M | — | ||
| Q2 24 | $233.3M | — |
| Q1 26 | $574.2M | $901.4M | ||
| Q4 25 | $155.0M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $193.2M | $507.9M | ||
| Q3 24 | — | $508.2M | ||
| Q2 24 | — | $508.8M |
| Q1 26 | $1.9B | $3.6B | ||
| Q4 25 | $1.9B | $3.6B | ||
| Q3 25 | $1.8B | $3.5B | ||
| Q2 25 | $1.8B | $3.4B | ||
| Q1 25 | $1.9B | $3.3B | ||
| Q4 24 | $1.9B | $3.1B | ||
| Q3 24 | $1.9B | $3.2B | ||
| Q2 24 | $1.9B | $2.9B |
| Q1 26 | $3.7B | $15.3B | ||
| Q4 25 | $3.1B | $15.2B | ||
| Q3 25 | $3.2B | $15.0B | ||
| Q2 25 | $3.2B | $14.5B | ||
| Q1 25 | $3.3B | $14.2B | ||
| Q4 24 | $3.2B | $13.5B | ||
| Q3 24 | $3.2B | $13.5B | ||
| Q2 24 | $3.2B | $12.6B |
| Q1 26 | 0.31× | 0.25× | ||
| Q4 25 | 0.08× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.10× | 0.16× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.17× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
