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Side-by-side financial comparison of SELECTIVE INSURANCE GROUP INC (SIGI) and Toast, Inc. (TOST). Click either name above to swap in a different company.
Toast, Inc. is the larger business by last-quarter revenue ($1.6B vs $1.4B, roughly 1.2× SELECTIVE INSURANCE GROUP INC). SELECTIVE INSURANCE GROUP INC runs the higher net margin — 7.2% vs 6.2%, a 1.0% gap on every dollar of revenue. On growth, Toast, Inc. posted the faster year-over-year revenue change (22.0% vs 5.7%). Over the past eight quarters, Toast, Inc.'s revenue compounded faster (23.3% CAGR vs 6.6%).
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.
Toast, Inc. is an American cloud-based restaurant management software company based in Boston, Massachusetts. The company provides an all-in-one point of sale (POS) system built on the Android operating system.
SIGI vs TOST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.4B | $1.6B |
| Net Profit | $97.7M | $101.0M |
| Gross Margin | — | 25.9% |
| Operating Margin | — | 5.2% |
| Net Margin | 7.2% | 6.2% |
| Revenue YoY | 5.7% | 22.0% |
| Net Profit YoY | — | 215.6% |
| EPS (diluted) | $1.58 | $0.18 |
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 | $1.6B | ||
| Q3 25 | $1.4B | $1.6B | ||
| Q2 25 | $1.3B | $1.6B | ||
| Q1 25 | $1.3B | $1.3B | ||
| Q4 24 | $1.3B | $1.3B | ||
| Q3 24 | $1.2B | $1.3B | ||
| Q2 24 | $1.2B | $1.2B |
| Q1 26 | $97.7M | — | ||
| Q4 25 | $155.2M | $101.0M | ||
| Q3 25 | $115.3M | $105.0M | ||
| Q2 25 | $85.9M | $80.0M | ||
| Q1 25 | $109.9M | $56.0M | ||
| Q4 24 | $95.5M | $32.0M | ||
| Q3 24 | $92.3M | $56.0M | ||
| Q2 24 | $-63.3M | $14.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 25.9% | ||
| Q3 25 | — | 26.5% | ||
| Q2 25 | — | 25.3% | ||
| Q1 25 | — | 25.9% | ||
| Q4 24 | — | 24.9% | ||
| Q3 24 | — | 24.7% | ||
| Q2 24 | — | 23.0% |
| Q1 26 | — | — | ||
| Q4 25 | 14.4% | 5.2% | ||
| Q3 25 | 10.7% | 5.1% | ||
| Q2 25 | 8.2% | 5.2% | ||
| Q1 25 | 10.8% | 3.2% | ||
| Q4 24 | 9.5% | 2.5% | ||
| Q3 24 | 9.4% | 2.6% | ||
| Q2 24 | -6.7% | 0.4% |
| Q1 26 | 7.2% | — | ||
| Q4 25 | 11.4% | 6.2% | ||
| Q3 25 | 8.5% | 6.4% | ||
| Q2 25 | 6.5% | 5.2% | ||
| Q1 25 | 8.6% | 4.2% | ||
| Q4 24 | 7.6% | 2.4% | ||
| Q3 24 | 7.4% | 4.3% | ||
| Q2 24 | -5.3% | 1.1% |
| Q1 26 | $1.58 | — | ||
| Q4 25 | $2.52 | $0.18 | ||
| Q3 25 | $1.85 | $0.16 | ||
| Q2 25 | $1.36 | $0.13 | ||
| Q1 25 | $1.76 | $0.09 | ||
| Q4 24 | $1.53 | $0.09 | ||
| Q3 24 | $1.47 | $0.07 | ||
| Q2 24 | $-1.08 | $0.02 |
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 | $1.4B |
| Total DebtLower is stronger | $901.4M | — |
| Stockholders' EquityBook value | $3.6B | $2.1B |
| Total Assets | $15.3B | $3.1B |
| Debt / EquityLower = less leverage | 0.25× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $451.8M | — | ||
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.4B | ||
| Q2 25 | — | $1.2B | ||
| Q1 25 | — | $1.0B | ||
| Q4 24 | — | $903.0M | ||
| Q3 24 | — | $761.0M | ||
| Q2 24 | — | $691.0M |
| 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 | $2.1B | ||
| Q3 25 | $3.5B | $2.0B | ||
| Q2 25 | $3.4B | $1.8B | ||
| Q1 25 | $3.3B | $1.7B | ||
| Q4 24 | $3.1B | $1.5B | ||
| Q3 24 | $3.2B | $1.4B | ||
| Q2 24 | $2.9B | $1.3B |
| Q1 26 | $15.3B | — | ||
| Q4 25 | $15.2B | $3.1B | ||
| Q3 25 | $15.0B | $3.0B | ||
| Q2 25 | $14.5B | $2.8B | ||
| Q1 25 | $14.2B | $2.6B | ||
| Q4 24 | $13.5B | $2.4B | ||
| Q3 24 | $13.5B | $2.2B | ||
| Q2 24 | $12.6B | $2.2B |
| 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 | — | $194.0M |
| Free Cash FlowOCF − Capex | — | $178.0M |
| FCF MarginFCF / Revenue | — | 10.9% |
| Capex IntensityCapex / Revenue | — | 1.0% |
| Cash ConversionOCF / Net Profit | — | 1.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | $608.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $376.3M | $194.0M | ||
| Q3 25 | $405.8M | $165.0M | ||
| Q2 25 | $166.9M | $223.0M | ||
| Q1 25 | $284.0M | $79.0M | ||
| Q4 24 | $332.2M | $147.0M | ||
| Q3 24 | $387.4M | $109.0M | ||
| Q2 24 | $266.1M | $124.0M |
| Q1 26 | — | — | ||
| Q4 25 | $366.3M | $178.0M | ||
| Q3 25 | $397.3M | $153.0M | ||
| Q2 25 | $159.7M | $208.0M | ||
| Q1 25 | $271.0M | $69.0M | ||
| Q4 24 | $324.7M | $134.0M | ||
| Q3 24 | $378.0M | $97.0M | ||
| Q2 24 | $258.4M | $108.0M |
| Q1 26 | — | — | ||
| Q4 25 | 26.8% | 10.9% | ||
| Q3 25 | 29.2% | 9.4% | ||
| Q2 25 | 12.0% | 13.4% | ||
| Q1 25 | 21.1% | 5.2% | ||
| Q4 24 | 25.8% | 10.0% | ||
| Q3 24 | 30.4% | 7.4% | ||
| Q2 24 | 21.6% | 8.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.7% | 1.0% | ||
| Q3 25 | 0.6% | 0.7% | ||
| Q2 25 | 0.5% | 1.0% | ||
| Q1 25 | 1.0% | 0.7% | ||
| Q4 24 | 0.6% | 1.0% | ||
| Q3 24 | 0.8% | 0.9% | ||
| Q2 24 | 0.6% | 1.3% |
| Q1 26 | — | — | ||
| Q4 25 | 2.42× | 1.92× | ||
| Q3 25 | 3.52× | 1.57× | ||
| Q2 25 | 1.94× | 2.79× | ||
| Q1 25 | 2.58× | 1.41× | ||
| Q4 24 | 3.48× | 4.59× | ||
| Q3 24 | 4.20× | 1.95× | ||
| Q2 24 | — | 8.86× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
SIGI
Segment breakdown not available.
TOST
| Technology Service | $1.3B | 82% |
| License | $256.0M | 16% |
| Product And Professional Services | $43.0M | 3% |
