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Side-by-side financial comparison of EPAM Systems (EPAM) and SELECTIVE INSURANCE GROUP INC (SIGI). Click either name above to swap in a different company.
EPAM Systems is the larger business by last-quarter revenue ($1.4B vs $1.4B, roughly 1.0× SELECTIVE INSURANCE GROUP INC). EPAM Systems runs the higher net margin — 7.8% vs 7.2%, a 0.6% gap on every dollar of revenue. On growth, EPAM Systems posted the faster year-over-year revenue change (12.8% vs 5.7%). Over the past eight quarters, EPAM Systems's revenue compounded faster (9.9% CAGR vs 6.6%).
EPAM Systems, Inc. is an American company that specializes in software engineering services, digital platform engineering, and digital product design, operating out of Newtown, Pennsylvania. EPAM is a founding member of the MACH Alliance.
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.
EPAM vs SIGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.4B |
| Net Profit | $109.4M | $97.7M |
| Gross Margin | 30.1% | — |
| Operating Margin | 10.6% | — |
| Net Margin | 7.8% | 7.2% |
| Revenue YoY | 12.8% | 5.7% |
| Net Profit YoY | 5.9% | -37.0% |
| EPS (diluted) | $1.97 | $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 | $1.4B | ||
| Q3 25 | $1.4B | $1.4B | ||
| Q2 25 | $1.4B | $1.3B | ||
| Q1 25 | $1.3B | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.2B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $109.4M | $155.2M | ||
| Q3 25 | $106.8M | $115.3M | ||
| Q2 25 | $88.0M | $85.9M | ||
| Q1 25 | $73.5M | $109.9M | ||
| Q4 24 | $103.3M | $95.5M | ||
| Q3 24 | $136.3M | $92.3M | ||
| Q2 24 | $98.6M | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | 30.1% | — | ||
| Q3 25 | 29.5% | — | ||
| Q2 25 | 28.8% | — | ||
| Q1 25 | 26.9% | — | ||
| Q4 24 | 30.4% | — | ||
| Q3 24 | 34.6% | — | ||
| Q2 24 | 29.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | 10.6% | 14.4% | ||
| Q3 25 | 10.4% | 10.7% | ||
| Q2 25 | 9.3% | 8.2% | ||
| Q1 25 | 7.6% | 10.8% | ||
| Q4 24 | 10.9% | 9.5% | ||
| Q3 24 | 15.2% | 9.4% | ||
| Q2 24 | 10.5% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | 7.8% | 11.4% | ||
| Q3 25 | 7.7% | 8.5% | ||
| Q2 25 | 6.5% | 6.5% | ||
| Q1 25 | 5.6% | 8.6% | ||
| Q4 24 | 8.3% | 7.6% | ||
| Q3 24 | 11.7% | 7.4% | ||
| Q2 24 | 8.6% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $1.97 | $2.52 | ||
| Q3 25 | $1.91 | $1.85 | ||
| Q2 25 | $1.56 | $1.36 | ||
| Q1 25 | $1.28 | $1.76 | ||
| Q4 24 | $1.80 | $1.53 | ||
| Q3 24 | $2.37 | $1.47 | ||
| Q2 24 | $1.70 | $-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 | $1.3B | $451.8M |
| Total DebtLower is stronger | — | $901.4M |
| Stockholders' EquityBook value | $3.7B | $3.6B |
| Total Assets | $4.9B | $15.3B |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | $1.3B | — | ||
| Q3 25 | $1.2B | — | ||
| Q2 25 | $1.0B | — | ||
| Q1 25 | $1.2B | — | ||
| Q4 24 | $1.3B | — | ||
| Q3 24 | $2.1B | — | ||
| Q2 24 | $1.8B | — |
| 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 | $3.7B | $3.6B | ||
| Q3 25 | $3.7B | $3.5B | ||
| Q2 25 | $3.7B | $3.4B | ||
| Q1 25 | $3.6B | $3.3B | ||
| Q4 24 | $3.6B | $3.1B | ||
| Q3 24 | $3.6B | $3.2B | ||
| Q2 24 | $3.4B | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $4.9B | $15.2B | ||
| Q3 25 | $4.8B | $15.0B | ||
| Q2 25 | $4.7B | $14.5B | ||
| Q1 25 | $4.7B | $14.2B | ||
| Q4 24 | $4.8B | $13.5B | ||
| Q3 24 | $4.5B | $13.5B | ||
| Q2 24 | $4.2B | $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 | $282.9M | — |
| Free Cash FlowOCF − Capex | $268.1M | — |
| FCF MarginFCF / Revenue | 19.0% | — |
| Capex IntensityCapex / Revenue | 1.1% | — |
| Cash ConversionOCF / Net Profit | 2.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | $612.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $282.9M | $376.3M | ||
| Q3 25 | $294.7M | $405.8M | ||
| Q2 25 | $53.2M | $166.9M | ||
| Q1 25 | $24.2M | $284.0M | ||
| Q4 24 | $130.3M | $332.2M | ||
| Q3 24 | $242.0M | $387.4M | ||
| Q2 24 | $57.0M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $268.1M | $366.3M | ||
| Q3 25 | $286.4M | $397.3M | ||
| Q2 25 | $43.4M | $159.7M | ||
| Q1 25 | $14.8M | $271.0M | ||
| Q4 24 | $114.5M | $324.7M | ||
| Q3 24 | $237.0M | $378.0M | ||
| Q2 24 | $52.3M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | 19.0% | 26.8% | ||
| Q3 25 | 20.5% | 29.2% | ||
| Q2 25 | 3.2% | 12.0% | ||
| Q1 25 | 1.1% | 21.1% | ||
| Q4 24 | 9.2% | 25.8% | ||
| Q3 24 | 20.3% | 30.4% | ||
| Q2 24 | 4.6% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.1% | 0.7% | ||
| Q3 25 | 0.6% | 0.6% | ||
| Q2 25 | 0.7% | 0.5% | ||
| Q1 25 | 0.7% | 1.0% | ||
| Q4 24 | 1.3% | 0.6% | ||
| Q3 24 | 0.4% | 0.8% | ||
| Q2 24 | 0.4% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.59× | 2.42× | ||
| Q3 25 | 2.76× | 3.52× | ||
| Q2 25 | 0.60× | 1.94× | ||
| Q1 25 | 0.33× | 2.58× | ||
| Q4 24 | 1.26× | 3.48× | ||
| Q3 24 | 1.77× | 4.20× | ||
| Q2 24 | 0.58× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
