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Side-by-side financial comparison of RH (RH) 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 $883.8M, roughly 1.5× RH). SELECTIVE INSURANCE GROUP INC runs the higher net margin — 7.2% vs 4.1%, a 3.1% gap on every dollar of revenue. On growth, RH posted the faster year-over-year revenue change (8.9% vs 5.7%). Over the past eight quarters, RH's revenue compounded faster (9.4% CAGR vs 6.6%).
RH is an upscale American home-furnishings company headquartered in Corte Madera, California. The company sells its merchandise through its retail stores, catalog, and online. As of August 2018, the company operated a total of 70 galleries, 18 full-line design galleries, and 3 baby-and-child galleries. The company also has 36 outlet stores in the United States and Canada.
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.
RH vs SIGI — Head-to-Head
Income Statement — Q3 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $883.8M | $1.4B |
| Net Profit | $36.3M | $97.7M |
| Gross Margin | 44.1% | — |
| Operating Margin | 12.0% | — |
| Net Margin | 4.1% | 7.2% |
| Revenue YoY | 8.9% | 5.7% |
| Net Profit YoY | 9.3% | -37.0% |
| EPS (diluted) | $1.83 | $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 | $883.8M | $1.4B | ||
| Q3 25 | $899.2M | $1.4B | ||
| Q2 25 | $814.0M | $1.3B | ||
| Q1 25 | $812.4M | $1.3B | ||
| Q4 24 | $811.7M | $1.3B | ||
| Q3 24 | $829.7M | $1.2B | ||
| Q2 24 | $727.0M | $1.2B |
| Q1 26 | — | $97.7M | ||
| Q4 25 | $36.3M | $155.2M | ||
| Q3 25 | $51.7M | $115.3M | ||
| Q2 25 | $8.0M | $85.9M | ||
| Q1 25 | $13.9M | $109.9M | ||
| Q4 24 | $33.2M | $95.5M | ||
| Q3 24 | $29.0M | $92.3M | ||
| Q2 24 | $-3.6M | $-63.3M |
| Q1 26 | — | — | ||
| Q4 25 | 44.1% | — | ||
| Q3 25 | 45.5% | — | ||
| Q2 25 | 43.7% | — | ||
| Q1 25 | 44.7% | — | ||
| Q4 24 | 44.5% | — | ||
| Q3 24 | 45.2% | — | ||
| Q2 24 | 43.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | 12.0% | 14.4% | ||
| Q3 25 | 14.3% | 10.7% | ||
| Q2 25 | 6.9% | 8.2% | ||
| Q1 25 | 8.7% | 10.8% | ||
| Q4 24 | 12.5% | 9.5% | ||
| Q3 24 | 11.6% | 9.4% | ||
| Q2 24 | 7.5% | -6.7% |
| Q1 26 | — | 7.2% | ||
| Q4 25 | 4.1% | 11.4% | ||
| Q3 25 | 5.8% | 8.5% | ||
| Q2 25 | 1.0% | 6.5% | ||
| Q1 25 | 1.7% | 8.6% | ||
| Q4 24 | 4.1% | 7.6% | ||
| Q3 24 | 3.5% | 7.4% | ||
| Q2 24 | -0.5% | -5.3% |
| Q1 26 | — | $1.58 | ||
| Q4 25 | $1.83 | $2.52 | ||
| Q3 25 | $2.62 | $1.85 | ||
| Q2 25 | $0.40 | $1.36 | ||
| Q1 25 | $0.71 | $1.76 | ||
| Q4 24 | $1.66 | $1.53 | ||
| Q3 24 | $1.45 | $1.47 | ||
| Q2 24 | $-0.20 | $-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 | $43.1M | $451.8M |
| Total DebtLower is stronger | — | $901.4M |
| Stockholders' EquityBook value | $3.3M | $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 | $43.1M | — | ||
| Q3 25 | $34.6M | — | ||
| Q2 25 | $46.1M | — | ||
| Q1 25 | $30.4M | — | ||
| Q4 24 | $87.0M | — | ||
| Q3 24 | $78.3M | — | ||
| Q2 24 | $101.8M | — |
| 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 | $3.3M | $3.6B | ||
| Q3 25 | $-40.9M | $3.5B | ||
| Q2 25 | $-110.8M | $3.4B | ||
| Q1 25 | $-163.6M | $3.3B | ||
| Q4 24 | $-183.0M | $3.1B | ||
| Q3 24 | $-234.7M | $3.2B | ||
| Q2 24 | $-289.9M | $2.9B |
| Q1 26 | — | $15.3B | ||
| Q4 25 | $4.8B | $15.2B | ||
| Q3 25 | $4.7B | $15.0B | ||
| Q2 25 | $4.7B | $14.5B | ||
| Q1 25 | $4.6B | $14.2B | ||
| Q4 24 | $4.5B | $13.5B | ||
| Q3 24 | $4.4B | $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 | $131.9M | — |
| Free Cash FlowOCF − Capex | $83.0M | — |
| FCF MarginFCF / Revenue | 9.4% | — |
| Capex IntensityCapex / Revenue | 5.5% | — |
| Cash ConversionOCF / Net Profit | 3.64× | — |
| TTM Free Cash FlowTrailing 4 quarters | $128.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $131.9M | $376.3M | ||
| Q3 25 | $137.7M | $405.8M | ||
| Q2 25 | $86.6M | $166.9M | ||
| Q1 25 | $-18.8M | $284.0M | ||
| Q4 24 | $-31.4M | $332.2M | ||
| Q3 24 | $11.2M | $387.4M | ||
| Q2 24 | $56.1M | $266.1M |
| Q1 26 | — | — | ||
| Q4 25 | $83.0M | $366.3M | ||
| Q3 25 | $80.7M | $397.3M | ||
| Q2 25 | $34.1M | $159.7M | ||
| Q1 25 | $-69.7M | $271.0M | ||
| Q4 24 | $-96.0M | $324.7M | ||
| Q3 24 | $-37.9M | $378.0M | ||
| Q2 24 | $-10.1M | $258.4M |
| Q1 26 | — | — | ||
| Q4 25 | 9.4% | 26.8% | ||
| Q3 25 | 9.0% | 29.2% | ||
| Q2 25 | 4.2% | 12.0% | ||
| Q1 25 | -8.6% | 21.1% | ||
| Q4 24 | -11.8% | 25.8% | ||
| Q3 24 | -4.6% | 30.4% | ||
| Q2 24 | -1.4% | 21.6% |
| Q1 26 | — | — | ||
| Q4 25 | 5.5% | 0.7% | ||
| Q3 25 | 6.3% | 0.6% | ||
| Q2 25 | 6.5% | 0.5% | ||
| Q1 25 | 6.3% | 1.0% | ||
| Q4 24 | 8.0% | 0.6% | ||
| Q3 24 | 5.9% | 0.8% | ||
| Q2 24 | 9.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 3.64× | 2.42× | ||
| Q3 25 | 2.66× | 3.52× | ||
| Q2 25 | 10.78× | 1.94× | ||
| Q1 25 | -1.35× | 2.58× | ||
| Q4 24 | -0.95× | 3.48× | ||
| Q3 24 | 0.39× | 4.20× | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RH
| RH Segment | $835.8M | 95% |
| Waterworks Segment | $48.0M | 5% |
| Gift Card And Merchandise Credit | $4.5M | 1% |
SIGI
Segment breakdown not available.
