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Side-by-side financial comparison of Atour Lifestyle Holdings Ltd (ATAT) 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 $789.6M, roughly 1.7× Atour Lifestyle Holdings Ltd). Atour Lifestyle Holdings Ltd runs the higher net margin — 17.6% vs 7.2%, a 10.4% gap on every dollar of revenue. On growth, Atour Lifestyle Holdings Ltd posted the faster year-over-year revenue change (252.5% vs 5.7%).
Atour Lifestyle Holdings Ltd is a leading China-based hospitality and lifestyle enterprise. It operates a wide portfolio of mid-to-premium hotel brands for business and leisure travelers, and offers complementary lifestyle retail products and experience services, catering primarily to middle-class consumers across domestic and selected overseas markets.
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.
ATAT vs SIGI — Head-to-Head
Income Statement — Q3 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $789.6M | $1.4B |
| Net Profit | $139.1M | $97.7M |
| Gross Margin | — | — |
| Operating Margin | 22.5% | — |
| Net Margin | 17.6% | 7.2% |
| Revenue YoY | 252.5% | 5.7% |
| Net Profit YoY | 322.2% | -37.0% |
| EPS (diluted) | $0.33 | $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 | — | $1.4B | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | $789.6M | $1.4B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.3B | ||
| Q4 24 | — | $1.3B | ||
| Q3 24 | $224.0M | $1.2B | ||
| Q2 24 | — | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | — | $155.2M | ||
| Q3 25 | $139.1M | $115.3M | ||
| Q2 25 | — | $85.9M | ||
| Q1 25 | — | $109.9M | ||
| Q4 24 | — | $95.5M | ||
| Q3 24 | $33.0M | $92.3M | ||
| Q2 24 | — | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.4% | ||
| Q3 25 | 22.5% | 10.7% | ||
| Q2 25 | — | 8.2% | ||
| Q1 25 | — | 10.8% | ||
| Q4 24 | — | 9.5% | ||
| Q3 24 | 14.7% | 9.4% | ||
| Q2 24 | — | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | — | 11.4% | ||
| Q3 25 | 17.6% | 8.5% | ||
| Q2 25 | — | 6.5% | ||
| Q1 25 | — | 8.6% | ||
| Q4 24 | — | 7.6% | ||
| Q3 24 | 14.7% | 7.4% | ||
| Q2 24 | — | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | — | $2.52 | ||
| Q3 25 | $0.33 | $1.85 | ||
| Q2 25 | — | $1.36 | ||
| Q1 25 | — | $1.76 | ||
| Q4 24 | — | $1.53 | ||
| Q3 24 | $0.08 | $1.47 | ||
| Q2 24 | — | $-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 | $669.2M | $451.8M |
| Total DebtLower is stronger | — | $901.4M |
| Stockholders' EquityBook value | $405.0M | $3.6B |
| Total Assets | $1.1B | $15.3B |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | $669.2M | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | $506.0M | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $901.4M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $507.9M | ||
| Q3 24 | — | $508.2M | ||
| Q2 24 | — | $508.8M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | — | $3.6B | ||
| Q3 25 | $405.0M | $3.5B | ||
| Q2 25 | — | $3.4B | ||
| Q1 25 | — | $3.3B | ||
| Q4 24 | — | $3.1B | ||
| Q3 24 | $291.3M | $3.2B | ||
| Q2 24 | — | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | — | $15.2B | ||
| Q3 25 | $1.1B | $15.0B | ||
| Q2 25 | — | $14.5B | ||
| Q1 25 | — | $14.2B | ||
| Q4 24 | — | $13.5B | ||
| Q3 24 | $927.8M | $13.5B | ||
| Q2 24 | — | $12.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.16× | ||
| Q2 24 | — | 0.17× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $216.6M | — |
| Free Cash FlowOCF − Capex | $210.7M | — |
| FCF MarginFCF / Revenue | 26.7% | — |
| Capex IntensityCapex / Revenue | 0.8% | — |
| Cash ConversionOCF / Net Profit | 1.56× | — |
| TTM Free Cash FlowTrailing 4 quarters | $359.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $376.3M | ||
| Q3 25 | $216.6M | $405.8M | ||
| Q2 25 | — | $166.9M | ||
| Q1 25 | — | $284.0M | ||
| Q4 24 | — | $332.2M | ||
| Q3 24 | $84.8M | $387.4M | ||
| Q2 24 | — | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $366.3M | ||
| Q3 25 | $210.7M | $397.3M | ||
| Q2 25 | — | $159.7M | ||
| Q1 25 | — | $271.0M | ||
| Q4 24 | — | $324.7M | ||
| Q3 24 | $83.3M | $378.0M | ||
| Q2 24 | — | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 26.8% | ||
| Q3 25 | 26.7% | 29.2% | ||
| Q2 25 | — | 12.0% | ||
| Q1 25 | — | 21.1% | ||
| Q4 24 | — | 25.8% | ||
| Q3 24 | 37.2% | 30.4% | ||
| Q2 24 | — | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.7% | ||
| Q3 25 | 0.8% | 0.6% | ||
| Q2 25 | — | 0.5% | ||
| Q1 25 | — | 1.0% | ||
| Q4 24 | — | 0.6% | ||
| Q3 24 | 0.7% | 0.8% | ||
| Q2 24 | — | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | 2.42× | ||
| Q3 25 | 1.56× | 3.52× | ||
| Q2 25 | — | 1.94× | ||
| Q1 25 | — | 2.58× | ||
| Q4 24 | — | 3.48× | ||
| Q3 24 | 2.57× | 4.20× | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
