SELECTIVE INSURANCE GROUP (SIGI) Stock Fundamental Analysis
NASDAQ:SIGI • US8163001071
84.04 USD
+0.25 (+0.3%)
At close: Feb 27, 2026
84.04 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
Taking everything into account, SIGI scores 5 out of 10 in our fundamental rating. SIGI was compared to 149 industry peers in the Insurance industry. SIGI has a medium profitability rating, but doesn't score so well on its financial health evaluation. SIGI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year SIGI was profitable.
- SIGI had a positive operating cash flow in the past year.
- In the past 5 years SIGI has always been profitable.
- Each year in the past 5 years SIGI had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of SIGI (3.02%) is better than 64.00% of its industry peers.
- The Return On Equity of SIGI (12.67%) is comparable to the rest of the industry.
- With a decent Return On Invested Capital value of 3.33%, SIGI is doing good in the industry, outperforming 63.33% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for SIGI is significantly below the industry average of 15.11%.
- The last Return On Invested Capital (3.33%) for SIGI is above the 3 year average (2.79%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 12.67% | ||
| ROIC | 3.33% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.79%
ROIC(5y)2.99%
1.3 Margins
- SIGI has a Profit Margin (8.57%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of SIGI has remained more or less at the same level.
- Looking at the Operating Margin, with a value of 11.75%, SIGI is in line with its industry, outperforming 46.00% of the companies in the same industry.
- SIGI's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.75% | ||
| PM (TTM) | 8.57% | ||
| GM | N/A |
OM growth 3Y7.31%
OM growth 5Y-0.14%
PM growth 3Y12.55%
PM growth 5Y0.41%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SIGI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for SIGI has been reduced compared to 1 year ago.
- SIGI has about the same amout of shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SIGI has a worse debt to assets ratio.
2.2 Solvency
- SIGI has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
- The Debt to FCF ratio of SIGI (0.76) is better than 76.00% of its industry peers.
- A Debt/Equity ratio of 0.25 indicates that SIGI is not too dependend on debt financing.
- SIGI has a better Debt to Equity ratio (0.25) than 61.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.41
WACC8.16%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SIGI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.38%, which is quite impressive.
- Measured over the past years, SIGI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
- Looking at the last year, SIGI shows a quite strong growth in Revenue. The Revenue has grown by 9.69% in the last year.
- Measured over the past years, SIGI shows a quite strong growth in Revenue. The Revenue has been growing by 12.70% on average per year.
EPS 1Y (TTM)127.38%
EPS 3Y13.68%
EPS 5Y12.29%
EPS Q2Q%58.64%
Revenue 1Y (TTM)9.69%
Revenue growth 3Y14.13%
Revenue growth 5Y12.7%
Sales Q2Q%25.29%
3.2 Future
- The Earnings Per Share is expected to grow by 8.05% on average over the next years. This is quite good.
- SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
EPS Next Y10.04%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue Next Year10.58%
Revenue Next 2Y7.69%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.37 indicates a reasonable valuation of SIGI.
- SIGI's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of SIGI to the average of the S&P500 Index (27.07), we can say SIGI is valued rather cheaply.
- SIGI is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SIGI is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 28.05. SIGI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SIGI.
- Based on the Price/Free Cash Flow ratio, SIGI is valued a bit cheaper than the industry average as 75.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| EV/EBITDA | 9.03 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.13
PEG (5Y)0.93
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.05%, SIGI has a reasonable but not impressive dividend return.
- SIGI's Dividend Yield is comparable with the industry average which is at 2.46.
- Compared to an average S&P500 Dividend Yield of 1.82, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
5.2 History
- On average, the dividend of SIGI grows each year by 13.01%, which is quite nice.
- SIGI has been paying a dividend for at least 10 years, so it has a reliable track record.
- SIGI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)13.01%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- 22.33% of the earnings are spent on dividend by SIGI. This is a low number and sustainable payout ratio.
- SIGI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.33%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
84.04
+0.25 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-21 2026-04-21
Inst Owners87.31%
Inst Owner Change-1.44%
Ins Owners0.78%
Ins Owner Change0.4%
Market Cap5.05B
Revenue(TTM)5.33B
Net Income(TTM)457.21M
Analysts72.86
Price Target89.93 (7.01%)
Short Float %3.37%
Short Ratio3.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend1.69
Dividend Growth(5Y)13.01%
DP22.33%
Div Incr Years11
Div Non Decr Years34
Ex-Date02-13 2026-02-13 (0.43)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.76%
Min EPS beat(2)-10.25%
Max EPS beat(2)23.76%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-14.75%
Max EPS beat(4)23.76%
EPS beat(8)1
Avg EPS beat(8)-30.87%
EPS beat(12)1
Avg EPS beat(12)-22.4%
EPS beat(16)1
Avg EPS beat(16)-18.8%
Revenue beat(2)2
Avg Revenue beat(2)12.92%
Min Revenue beat(2)7.94%
Max Revenue beat(2)17.89%
Revenue beat(4)2
Avg Revenue beat(4)4.46%
Min Revenue beat(4)-4.76%
Max Revenue beat(4)17.89%
Revenue beat(8)3
Avg Revenue beat(8)1.76%
Revenue beat(12)7
Avg Revenue beat(12)1.83%
Revenue beat(16)8
Avg Revenue beat(16)1.37%
PT rev (1m)4.96%
PT rev (3m)8.18%
EPS NQ rev (1m)1.14%
EPS NQ rev (3m)1.31%
EPS NY rev (1m)0.25%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)4.54%
Revenue NQ rev (3m)4.69%
Revenue NY rev (1m)5.9%
Revenue NY rev (3m)5.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.33 | ||
| P/S | 0.95 | ||
| P/FCF | 4.23 | ||
| P/OCF | 4.1 | ||
| P/B | 1.4 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | 9.03 |
EPS(TTM)7.39
EY8.79%
EPS(NY)8.13
Fwd EY9.68%
FCF(TTM)19.87
FCFY23.65%
OCF(TTM)20.52
OCFY24.41%
SpS88.74
BVpS60.05
TBVpS59.92
PEG (NY)1.13
PEG (5Y)0.93
Graham Number99.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 12.67% | ||
| ROCE | 4.18% | ||
| ROIC | 3.33% | ||
| ROICexc | 3.33% | ||
| ROICexgc | 3.72% | ||
| OM | 11.75% | ||
| PM (TTM) | 8.57% | ||
| GM | N/A | ||
| FCFM | 22.39% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.79%
ROIC(5y)2.99%
ROICexc(3y)2.79%
ROICexc(5y)2.99%
ROICexgc(3y)3.1%
ROICexgc(5y)3.33%
ROCE(3y)3.5%
ROCE(5y)3.76%
ROICexgc growth 3Y9.19%
ROICexgc growth 5Y3.06%
ROICexc growth 3Y9.64%
ROICexc growth 5Y2.98%
OM growth 3Y7.31%
OM growth 5Y-0.14%
PM growth 3Y12.55%
PM growth 5Y0.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Debt/EBITDA | 1.37 | ||
| Cap/Depr | 118.59% | ||
| Cap/Sales | 0.73% | ||
| Interest Coverage | 14.37 | ||
| Cash Conversion | 186.99% | ||
| Profit Quality | 261.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.16%
ROIC/WACC0.41
Cap/Depr(3y)94.15%
Cap/Depr(5y)76.84%
Cap/Sales(3y)0.63%
Cap/Sales(5y)0.66%
Profit Quality(3y)336.15%
Profit Quality(5y)311.66%
High Growth Momentum
Growth
EPS 1Y (TTM)127.38%
EPS 3Y13.68%
EPS 5Y12.29%
EPS Q2Q%58.64%
EPS Next Y10.04%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue 1Y (TTM)9.69%
Revenue growth 3Y14.13%
Revenue growth 5Y12.7%
Sales Q2Q%25.29%
Revenue Next Year10.58%
Revenue Next 2Y7.69%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1Y116.95%
EBIT growth 3Y22.47%
EBIT growth 5Y12.54%
EBIT Next Year11.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.71%
FCF growth 3Y15.44%
FCF growth 5Y17.56%
OCF growth 1Y12.1%
OCF growth 3Y15.4%
OCF growth 5Y17.35%
SELECTIVE INSURANCE GROUP / SIGI FAQ
What is the ChartMill fundamental rating of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SIGI.
What is the valuation status of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a valuation rating of 5 / 10 to SELECTIVE INSURANCE GROUP (SIGI). This can be considered as Fairly Valued.
How profitable is SELECTIVE INSURANCE GROUP (SIGI) stock?
SELECTIVE INSURANCE GROUP (SIGI) has a profitability rating of 5 / 10.
Can you provide the financial health for SIGI stock?
The financial health rating of SELECTIVE INSURANCE GROUP (SIGI) is 3 / 10.
How sustainable is the dividend of SELECTIVE INSURANCE GROUP (SIGI) stock?
The dividend rating of SELECTIVE INSURANCE GROUP (SIGI) is 6 / 10 and the dividend payout ratio is 22.33%.