81.89 USD
-1.08 (-1.3%)
81.89 USD
0 (0%)
Taking everything into account, SIGI scores 5 out of 10 in our fundamental rating. SIGI was compared to 146 industry peers in the Insurance industry. There are concerns on the financial health of SIGI while its profitability can be described as average. SIGI has a decent growth rate and is not valued too expensively. Finally SIGI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year SIGI was profitable.
- In the past year SIGI had a positive cash flow from operations.
- Each year in the past 5 years SIGI has been profitable.
- SIGI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- The Return On Assets of SIGI (2.65%) is better than 60.27% of its industry peers.
- With a Return On Equity value of 11.39%, SIGI perfoms like the industry average, outperforming 52.74% of the companies in the same industry.
- The Return On Invested Capital of SIGI (2.95%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 15.11%.
- The 3 year average ROIC (2.53%) for SIGI is below the current ROIC(2.95%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 11.39% | ||
| ROIC | 2.95% |
ROA(3y)2.16%
ROA(5y)2.56%
ROE(3y)8.97%
ROE(5y)9.83%
ROIC(3y)2.53%
ROIC(5y)2.91%
1.3 Margins
- Looking at the Profit Margin, with a value of 7.61%, SIGI is in line with its industry, outperforming 46.58% of the companies in the same industry.
- SIGI's Profit Margin has declined in the last couple of years.
- SIGI has a Operating Margin (10.50%) which is in line with its industry peers.
- SIGI's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.5% | ||
| PM (TTM) | 7.61% | ||
| GM | N/A |
OM growth 3Y-27.44%
OM growth 5Y-14.64%
PM growth 3Y-29.7%
PM growth 5Y-15.65%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SIGI is destroying value.
- The number of shares outstanding for SIGI has been increased compared to 1 year ago.
- The number of shares outstanding for SIGI has been increased compared to 5 years ago.
- SIGI has a better debt/assets ratio than last year.
2.2 Solvency
- SIGI has a debt to FCF ratio of 0.78. This is a very positive value and a sign of high solvency as it would only need 0.78 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.78, SIGI is in the better half of the industry, outperforming 75.34% of the companies in the same industry.
- A Debt/Equity ratio of 0.26 indicates that SIGI is not too dependend on debt financing.
- SIGI has a better Debt to Equity ratio (0.26) than 60.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC8.47%
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 80.39%, which is quite impressive.
- SIGI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.88% yearly.
- Looking at the last year, SIGI shows a quite strong growth in Revenue. The Revenue has grown by 10.78% in the last year.
- Measured over the past years, SIGI shows a quite strong growth in Revenue. The Revenue has been growing by 11.27% on average per year.
EPS 1Y (TTM)80.39%
EPS 3Y-19.76%
EPS 5Y-5.88%
EPS Q2Q%25%
Revenue 1Y (TTM)10.78%
Revenue growth 3Y13.01%
Revenue growth 5Y11.27%
Sales Q2Q%17.49%
3.2 Future
- The Earnings Per Share is expected to grow by 40.04% on average over the next years. This is a very strong growth
- SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
EPS Next Y113.84%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
EPS Next 5YN/A
Revenue Next Year6.6%
Revenue Next 2Y5.51%
Revenue Next 3Y5.31%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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
- SIGI is valuated correctly with a Price/Earnings ratio of 12.72.
- Compared to the rest of the industry, the Price/Earnings ratio of SIGI is on the same level as its industry peers.
- SIGI is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- SIGI is valuated reasonably with a Price/Forward Earnings ratio of 10.03.
- The rest of the industry has a similar Price/Forward Earnings ratio as SIGI.
- SIGI is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SIGI.
- SIGI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SIGI is cheaper than 75.34% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.29 | ||
| EV/EBITDA | 10.2 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as SIGI's earnings are expected to grow with 40.04% in the coming years.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y58.47%
EPS Next 3Y40.04%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 2.07%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.42, SIGI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- The dividend of SIGI is nicely growing with an annual growth rate of 13.90%!
- SIGI has been paying a dividend for at least 10 years, so it has a reliable track record.
- SIGI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.9%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- 25.02% of the earnings are spent on dividend by SIGI. This is a low number and sustainable payout ratio.
- The dividend of SIGI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.02%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
81.89
-1.08 (-1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners87.31%
Inst Owner Change0.05%
Ins Owners0.78%
Ins Owner Change-0.53%
Market Cap4.95B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.68 (4.63%)
Short Float %2.88%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years11
Div Non Decr Years34
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.5%
Min EPS beat(2)-14.75%
Max EPS beat(2)-10.25%
EPS beat(4)0
Avg EPS beat(4)-12.9%
Min EPS beat(4)-20.05%
Max EPS beat(4)-6.55%
EPS beat(8)0
Avg EPS beat(8)-34.08%
EPS beat(12)0
Avg EPS beat(12)-24.55%
EPS beat(16)1
Avg EPS beat(16)-19.77%
Revenue beat(2)1
Avg Revenue beat(2)1.59%
Min Revenue beat(2)-4.76%
Max Revenue beat(2)7.94%
Revenue beat(4)1
Avg Revenue beat(4)-0.34%
Min Revenue beat(4)-4.76%
Max Revenue beat(4)7.94%
Revenue beat(8)3
Avg Revenue beat(8)-0.29%
Revenue beat(12)7
Avg Revenue beat(12)1.26%
Revenue beat(16)8
Avg Revenue beat(16)1.08%
PT rev (1m)0%
PT rev (3m)-5.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-12.04%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 10.03 | ||
| P/S | 0.95 | ||
| P/FCF | 4.29 | ||
| P/OCF | 4.16 | ||
| P/B | 1.42 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 10.2 |
EPS(TTM)6.44
EY7.86%
EPS(NY)8.16
Fwd EY9.97%
FCF(TTM)19.08
FCFY23.3%
OCF(TTM)19.68
OCFY24.03%
SpS86.49
BVpS57.77
TBVpS57.64
PEG (NY)0.11
PEG (5Y)N/A
Graham Number91.49
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 11.39% | ||
| ROCE | 3.69% | ||
| ROIC | 2.95% | ||
| ROICexc | 2.95% | ||
| ROICexgc | 3.3% | ||
| OM | 10.5% | ||
| PM (TTM) | 7.61% | ||
| GM | N/A | ||
| FCFM | 22.06% |
ROA(3y)2.16%
ROA(5y)2.56%
ROE(3y)8.97%
ROE(5y)9.83%
ROIC(3y)2.53%
ROIC(5y)2.91%
ROICexc(3y)2.53%
ROICexc(5y)2.91%
ROICexgc(3y)2.82%
ROICexgc(5y)3.24%
ROCE(3y)3.16%
ROCE(5y)3.64%
ROICexgc growth 3Y-24.16%
ROICexgc growth 5Y-12.63%
ROICexc growth 3Y-24.74%
ROICexc growth 5Y-12.9%
OM growth 3Y-27.44%
OM growth 5Y-14.64%
PM growth 3Y-29.7%
PM growth 5Y-15.65%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Debt/EBITDA | 1.56 | ||
| Cap/Depr | 115.85% | ||
| Cap/Sales | 0.69% | ||
| Interest Coverage | 38.35 | ||
| Cash Conversion | 205.11% | ||
| Profit Quality | 289.98% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.47%
ROIC/WACC0.35
Cap/Depr(3y)75.11%
Cap/Depr(5y)60.57%
Cap/Sales(3y)0.63%
Cap/Sales(5y)0.66%
Profit Quality(3y)369.06%
Profit Quality(5y)302.6%
High Growth Momentum
Growth
EPS 1Y (TTM)80.39%
EPS 3Y-19.76%
EPS 5Y-5.88%
EPS Q2Q%25%
EPS Next Y113.84%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
EPS Next 5YN/A
Revenue 1Y (TTM)10.78%
Revenue growth 3Y13.01%
Revenue growth 5Y11.27%
Sales Q2Q%17.49%
Revenue Next Year6.6%
Revenue Next 2Y5.51%
Revenue Next 3Y5.31%
Revenue Next 5YN/A
EBIT growth 1Y70.89%
EBIT growth 3Y-18%
EBIT growth 5Y-5.02%
EBIT Next Year86.17%
EBIT Next 3Y49%
EBIT Next 5YN/A
FCF growth 1Y40.52%
FCF growth 3Y12.58%
FCF growth 5Y19.08%
OCF growth 1Y41.66%
OCF growth 3Y12.55%
OCF growth 5Y18.16%
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 6 / 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 4 / 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 7 / 10 and the dividend payout ratio is 25.02%.