Reviewing Intact Financial (OTCMKTS:IFCZF) & Selective Insurance Group (NASDAQ:SIGIP)

Intact Financial (OTCMKTS:IFCZF) and Selective Insurance Group (NASDAQ:SIGIP) are both financial services companies, but which is the better stock? We will compare the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, profitability, valuation, earnings and risk.

Profitability

This table compares Intact Financial and Selective Insurance Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Intact Financial	12.02%	19.25%	5.73%
Selective Insurance Group	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of current ratings for Intact Financial and Selective Insurance Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intact Financial	0	0	5	0	3.00
Selective Insurance Group	0	0	0	0	0.00

Earnings & Valuation

This table compares Intact Financial and Selective Insurance Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intact Financial	$20.46 billion	1.72	$2.41 billion	$13.59	14.66
Selective Insurance Group	$5.41 billion	N/A	N/A	N/A	N/A

Intact Financial has higher revenue and earnings than Selective Insurance Group.

Dividends

Intact Financial pays an annual dividend of $4.26 per share and has a dividend yield of 2.1%. Selective Insurance Group pays an annual dividend of $1.15 per share and has a dividend yield of 7.2%. Intact Financial pays out 31.3% of its earnings in the form of a dividend.

Summary

Intact Financial beats Selective Insurance Group on 6 of the 8 factors compared between the two stocks.

About Intact Financial

Intact Financial Corporation, through its subsidiaries, provides property and casualty insurance products to individuals and businesses in Canada, the United States, the United Kingdom, and internationally. The company offers insurance, such as personal auto which provides coverage from accidents, third party liability, and physical damage; personal property which provides protection for homes and contents from risks, including fire, theft, vandalism, water damages, other damages, and personal liability; and commercial line and specialty line insurance which provides commercial auto, property, and liability coverages. It also provides pet and business insurance, as well as provides risk management solutions. The company serves its products to accident and health, technology, ocean and inland marine, builder's risk, and entertainment, as well as financial services and institutions; and various products to specialty property, surety, tuition reimbursement, management liability, and cyber and environmental institutions. It offers specialty insurance products including travel insurance, brokers, direct to consumer, agencies, wholesalers, affinity group, Intact Prestige, and managing general agent platform. The company was formerly known as ING Canada Inc. and changed its name to Intact Financial Corporation in 2009. Intact Financial Corporation was founded in 1809 and is based in Toronto, Canada.

About Selective Insurance Group

Selective Insurance Group, Inc., together with its subsidiaries, provides insurance products and services in the United States. The company operates through four segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. It offers casualty insurance products that covers the financial consequences of employee injuries in the course of employment and bodily injury and/or property damage to a third party; property insurance products, which covers the accidental loss of an insured's real property, personal property, and/or earnings due to the property's loss; and flood insurance products. The company also invests in fixed income investments and commercial mortgage loans, as well as equity securities, short-term investments, and alternative investments, and other investments. It offers its insurance products and services to businesses, non-profit organizations, local government agencies, and individuals through independent retail agents and wholesale general agents. The company was founded in 1926 and is headquartered in Branchville, New Jersey.