vs
Side-by-side financial comparison of Lennox International (LII) 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 $1.2B, roughly 1.1× Lennox International). Lennox International runs the higher net margin — 13.6% vs 7.2%, a 6.4% gap on every dollar of revenue. On growth, SELECTIVE INSURANCE GROUP INC posted the faster year-over-year revenue change (5.7% vs -11.2%). Over the past eight quarters, Lennox International's revenue compounded faster (6.8% CAGR vs 6.6%).
Lennox International Inc. is an American provider of climate control products for the heating, ventilation, and air conditioning (HVAC) and refrigeration markets. Based in Richardson, Texas, the company is 9.8% owned by John W. Norris, III, a descendant of DW Norris, who acquired the company in 1904. The company's largest production facilities are in Saltillo, Mexico, Marshalltown, Iowa, and Orangeburg, South Carolina.
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.
LII vs SIGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.2B | $1.4B |
| Net Profit | $162.1M | $97.7M |
| Gross Margin | 34.7% | — |
| Operating Margin | 18.6% | — |
| Net Margin | 13.6% | 7.2% |
| Revenue YoY | -11.2% | 5.7% |
| Net Profit YoY | -18.0% | — |
| EPS (diluted) | $4.62 | $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 | $1.2B | $1.4B | ||
| Q3 25 | $1.4B | $1.4B | ||
| Q2 25 | $1.5B | $1.3B | ||
| Q1 25 | $1.1B | $1.3B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.5B | $1.2B | ||
| Q2 24 | $1.5B | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $162.1M | $155.2M | ||
| Q3 25 | $245.8M | $115.3M | ||
| Q2 25 | $277.6M | $85.9M | ||
| Q1 25 | $120.3M | $109.9M | ||
| Q4 24 | $197.7M | $95.5M | ||
| Q3 24 | $239.0M | $92.3M | ||
| Q2 24 | $245.9M | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | 34.7% | — | ||
| Q3 25 | 32.8% | — | ||
| Q2 25 | 34.8% | — | ||
| Q1 25 | 30.6% | — | ||
| Q4 24 | 33.9% | — | ||
| Q3 24 | 32.6% | — | ||
| Q2 24 | 33.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | 18.6% | 14.4% | ||
| Q3 25 | 21.7% | 10.7% | ||
| Q2 25 | 23.6% | 8.2% | ||
| Q1 25 | 14.5% | 10.8% | ||
| Q4 24 | 18.2% | 9.5% | ||
| Q3 24 | 20.2% | 9.4% | ||
| Q2 24 | 22.1% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | 13.6% | 11.4% | ||
| Q3 25 | 17.2% | 8.5% | ||
| Q2 25 | 18.5% | 6.5% | ||
| Q1 25 | 11.2% | 8.6% | ||
| Q4 24 | 14.7% | 7.6% | ||
| Q3 24 | 16.0% | 7.4% | ||
| Q2 24 | 16.9% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $4.62 | $2.52 | ||
| Q3 25 | $6.98 | $1.85 | ||
| Q2 25 | $7.82 | $1.36 | ||
| Q1 25 | $3.37 | $1.76 | ||
| Q4 24 | $5.52 | $1.53 | ||
| Q3 24 | $6.68 | $1.47 | ||
| Q2 24 | $6.87 | $-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 | $34.7M | $451.8M |
| Total DebtLower is stronger | $1.1B | $901.4M |
| Stockholders' EquityBook value | $1.2B | $3.6B |
| Total Assets | $4.1B | $15.3B |
| Debt / EquityLower = less leverage | 0.98× | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | $34.7M | — | ||
| Q3 25 | $59.2M | — | ||
| Q2 25 | $55.1M | — | ||
| Q1 25 | $222.9M | — | ||
| Q4 24 | $422.3M | — | ||
| Q3 24 | $255.7M | — | ||
| Q2 24 | $57.8M | — |
| Q1 26 | — | $901.4M | ||
| Q4 25 | $1.1B | — | ||
| Q3 25 | $838.2M | — | ||
| Q2 25 | $835.7M | — | ||
| Q1 25 | $834.2M | — | ||
| Q4 24 | $833.1M | $507.9M | ||
| Q3 24 | $827.6M | $508.2M | ||
| Q2 24 | $1.1B | $508.8M |
| Q1 26 | — | $3.6B | ||
| Q4 25 | $1.2B | $3.6B | ||
| Q3 25 | $1.1B | $3.5B | ||
| Q2 25 | $900.5M | $3.4B | ||
| Q1 25 | $852.5M | $3.3B | ||
| Q4 24 | $850.2M | $3.1B | ||
| Q3 24 | $754.0M | $3.2B | ||
| Q2 24 | $577.4M | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $4.1B | $15.2B | ||
| Q3 25 | $3.5B | $15.0B | ||
| Q2 25 | $3.7B | $14.5B | ||
| Q1 25 | $3.5B | $14.2B | ||
| Q4 24 | $3.5B | $13.5B | ||
| Q3 24 | $3.3B | $13.5B | ||
| Q2 24 | $3.2B | $12.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | 0.98× | — | ||
| Q3 25 | 0.78× | — | ||
| Q2 25 | 0.93× | — | ||
| Q1 25 | 0.98× | — | ||
| Q4 24 | 0.98× | 0.16× | ||
| Q3 24 | 1.10× | 0.16× | ||
| Q2 24 | 1.95× | 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 | $405.9M | — |
| Free Cash FlowOCF − Capex | $376.7M | — |
| FCF MarginFCF / Revenue | 31.5% | — |
| Capex IntensityCapex / Revenue | 2.4% | — |
| Cash ConversionOCF / Net Profit | 2.50× | — |
| TTM Free Cash FlowTrailing 4 quarters | $638.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $405.9M | $376.3M | ||
| Q3 25 | $300.7M | $405.8M | ||
| Q2 25 | $86.8M | $166.9M | ||
| Q1 25 | $-35.8M | $284.0M | ||
| Q4 24 | $332.4M | $332.2M | ||
| Q3 24 | $452.1M | $387.4M | ||
| Q2 24 | $184.0M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $376.7M | $366.3M | ||
| Q3 25 | $265.1M | $397.3M | ||
| Q2 25 | $58.3M | $159.7M | ||
| Q1 25 | $-61.3M | $271.0M | ||
| Q4 24 | $272.2M | $324.7M | ||
| Q3 24 | $410.9M | $378.0M | ||
| Q2 24 | $151.3M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | 31.5% | 26.8% | ||
| Q3 25 | 18.6% | 29.2% | ||
| Q2 25 | 3.9% | 12.0% | ||
| Q1 25 | -5.7% | 21.1% | ||
| Q4 24 | 20.2% | 25.8% | ||
| Q3 24 | 27.4% | 30.4% | ||
| Q2 24 | 10.4% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 0.7% | ||
| Q3 25 | 2.5% | 0.6% | ||
| Q2 25 | 1.9% | 0.5% | ||
| Q1 25 | 2.4% | 1.0% | ||
| Q4 24 | 4.5% | 0.6% | ||
| Q3 24 | 2.8% | 0.8% | ||
| Q2 24 | 2.3% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.50× | 2.42× | ||
| Q3 25 | 1.22× | 3.52× | ||
| Q2 25 | 0.31× | 1.94× | ||
| Q1 25 | -0.30× | 2.58× | ||
| Q4 24 | 1.68× | 3.48× | ||
| Q3 24 | 1.89× | 4.20× | ||
| Q2 24 | 0.75× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LII
| Residential Heating And Cooling | $699.8M | 59% |
| Commercial Heating And Cooling | $495.2M | 41% |
SIGI
Segment breakdown not available.
