COMP <GO>
SIGI vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Selective Insurance Group Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SIGI 9
— BAC 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: SIGI
LAST: $98.83 (-0.49%) • MKT CAP: $5.86B
balance-sheet
1.26
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
balance-sheet
0.45
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SIGI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SIGI | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.80% | 2.50% | +4.30 | SIGI | /roic <GO> |
| EV/EBITDA & P/E Valuation | 14.8x | 30.2x | -15.40 | SIGI | /valuation <GO> |
| Free Cash Flow Yield | 20.38% | 2.10% | +18.28 | SIGI | /fcf-yield <GO> |
| Operating Margin | 10.70% | 32.90% | -22.20 | BAC | /operating-margins <GO> |
| Net Profit Margin | 8.70% | 27.00% | -18.30 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 9.80% | 6.80% | +3.00 | SIGI | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.59% | 0.00% | +1.59 | SIGI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.26 | 0.45 | +0.81 | SIGI | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | SIGI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 6.60% | +0.80 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 74.9 | 27.7 | +47.26 | SIGI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.90 | +0.26 | SIGI | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.7x | 10.9x | +0.80 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.86B | $357.61B | -$351.75B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SIGI REV | BAC REV | SIGI GROSS % | BAC GROSS % | SIGI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $5.34B | $113.10B | 44.0% | 44.0% | $1.19B | $7.52B |
| FY 2024 | $4.86B | $105.86B | 44.0% | 44.0% | $1.07B | -$13.57B |
| FY 2023 | $4.23B | $102.77B | 44.0% | 44.0% | $568.5M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SIGI // BETA 1.16
BAC // BETA 0.90