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Side-by-side financial comparison of M/I HOMES, INC. (MHO) 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 $1.1B, roughly 1.2× M/I HOMES, INC.). SELECTIVE INSURANCE GROUP INC runs the higher net margin — 7.2% vs 5.6%, a 1.6% gap on every dollar of revenue. On growth, SELECTIVE INSURANCE GROUP INC posted the faster year-over-year revenue change (5.7% vs -4.8%). Over the past eight quarters, SELECTIVE INSURANCE GROUP INC's revenue compounded faster (6.6% CAGR vs 4.7%).
M/I Homes, Inc. is a leading U.S. residential construction company that designs, builds and sells single-family homes, townhomes and duplexes across multiple U.S. states. It caters to entry-level, move-up and luxury homebuyers, offering energy-efficient designs, flexible floor plans and personalized customization options.
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.
MHO vs SIGI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $1.4B |
| Net Profit | $64.0M | $97.7M |
| Gross Margin | 17.4% | — |
| Operating Margin | 6.5% | — |
| Net Margin | 5.6% | 7.2% |
| Revenue YoY | -4.8% | 5.7% |
| Net Profit YoY | -52.1% | — |
| EPS (diluted) | $2.42 | $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 | $1.1B | $1.4B | ||
| Q3 25 | $1.1B | $1.4B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $976.1M | $1.3B | ||
| Q4 24 | $1.2B | $1.3B | ||
| Q3 24 | $1.1B | $1.2B | ||
| Q2 24 | $1.1B | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $64.0M | $155.2M | ||
| Q3 25 | $106.5M | $115.3M | ||
| Q2 25 | $121.2M | $85.9M | ||
| Q1 25 | $111.2M | $109.9M | ||
| Q4 24 | $133.5M | $95.5M | ||
| Q3 24 | $145.4M | $92.3M | ||
| Q2 24 | $146.7M | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | 17.4% | — | ||
| Q3 25 | 24.5% | — | ||
| Q2 25 | 24.7% | — | ||
| Q1 25 | 25.9% | — | ||
| Q4 24 | 24.6% | — | ||
| Q3 24 | 27.1% | — | ||
| Q2 24 | 27.9% | — |
| Q1 26 | — | — | ||
| Q4 25 | 6.5% | 14.4% | ||
| Q3 25 | 12.0% | 10.7% | ||
| Q2 25 | 13.4% | 8.2% | ||
| Q1 25 | 14.4% | 10.8% | ||
| Q4 24 | 13.6% | 9.5% | ||
| Q3 24 | 15.9% | 9.4% | ||
| Q2 24 | 16.8% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | 5.6% | 11.4% | ||
| Q3 25 | 9.4% | 8.5% | ||
| Q2 25 | 10.4% | 6.5% | ||
| Q1 25 | 11.4% | 8.6% | ||
| Q4 24 | 11.1% | 7.6% | ||
| Q3 24 | 12.7% | 7.4% | ||
| Q2 24 | 13.2% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $2.42 | $2.52 | ||
| Q3 25 | $3.92 | $1.85 | ||
| Q2 25 | $4.42 | $1.36 | ||
| Q1 25 | $3.98 | $1.76 | ||
| Q4 24 | $4.71 | $1.53 | ||
| Q3 24 | $5.10 | $1.47 | ||
| Q2 24 | $5.12 | $-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 | — | $451.8M |
| Total DebtLower is stronger | — | $901.4M |
| Stockholders' EquityBook value | $3.2B | $3.6B |
| Total Assets | $4.8B | $15.3B |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $451.8M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| 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 | $3.2B | $3.6B | ||
| Q3 25 | $3.1B | $3.5B | ||
| Q2 25 | $3.1B | $3.4B | ||
| Q1 25 | $3.0B | $3.3B | ||
| Q4 24 | $2.9B | $3.1B | ||
| Q3 24 | $2.8B | $3.2B | ||
| Q2 24 | $2.7B | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $4.8B | $15.2B | ||
| Q3 25 | $4.8B | $15.0B | ||
| Q2 25 | $4.7B | $14.5B | ||
| Q1 25 | $4.6B | $14.2B | ||
| Q4 24 | $4.5B | $13.5B | ||
| Q3 24 | $4.5B | $13.5B | ||
| Q2 24 | $4.3B | $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 | $-8.7M | — |
| Free Cash FlowOCF − Capex | $-13.0M | — |
| FCF MarginFCF / Revenue | -1.1% | — |
| Capex IntensityCapex / Revenue | 0.4% | — |
| Cash ConversionOCF / Net Profit | -0.14× | — |
| TTM Free Cash FlowTrailing 4 quarters | $127.7M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-8.7M | $376.3M | ||
| Q3 25 | $43.4M | $405.8M | ||
| Q2 25 | $37.8M | $166.9M | ||
| Q1 25 | $64.9M | $284.0M | ||
| Q4 24 | $104.4M | $332.2M | ||
| Q3 24 | $-67.9M | $387.4M | ||
| Q2 24 | $27.5M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-13.0M | $366.3M | ||
| Q3 25 | $42.0M | $397.3M | ||
| Q2 25 | $35.1M | $159.7M | ||
| Q1 25 | $63.5M | $271.0M | ||
| Q4 24 | $102.3M | $324.7M | ||
| Q3 24 | $-68.5M | $378.0M | ||
| Q2 24 | $22.0M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | -1.1% | 26.8% | ||
| Q3 25 | 3.7% | 29.2% | ||
| Q2 25 | 3.0% | 12.0% | ||
| Q1 25 | 6.5% | 21.1% | ||
| Q4 24 | 8.5% | 25.8% | ||
| Q3 24 | -6.0% | 30.4% | ||
| Q2 24 | 2.0% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.4% | 0.7% | ||
| Q3 25 | 0.1% | 0.6% | ||
| Q2 25 | 0.2% | 0.5% | ||
| Q1 25 | 0.1% | 1.0% | ||
| Q4 24 | 0.2% | 0.6% | ||
| Q3 24 | 0.1% | 0.8% | ||
| Q2 24 | 0.5% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | -0.14× | 2.42× | ||
| Q3 25 | 0.41× | 3.52× | ||
| Q2 25 | 0.31× | 1.94× | ||
| Q1 25 | 0.58× | 2.58× | ||
| Q4 24 | 0.78× | 3.48× | ||
| Q3 24 | -0.47× | 4.20× | ||
| Q2 24 | 0.19× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MHO
| Southern Homebuilding | $615.6M | 54% |
| Northern Homebuilding | $503.9M | 44% |
| Financial Service | $27.8M | 2% |
| Land | $4.7M | 0% |
SIGI
Segment breakdown not available.
