SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis & Valuation

Name: SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis Rating
Brand: SELECTIVE INSURANCE GROUP

NASDAQ:SIGI • US8163001071

74.68 USD

-0.08 (-0.11%)

At close: Mar 27, 2026

74.68 USD

0 (0%)

After Hours: 3/27/2026, 8:00:03 PM

This SIGI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1. SIGI Profitability Analysis

1.1 Basic Checks

SIGI had positive earnings in the past year.
SIGI had a positive operating cash flow in the past year.
SIGI had positive earnings in each of the past 5 years.
In the past 5 years SIGI always reported a positive cash flow from operatings.

1.2 Ratios

SIGI has a Return On Assets of 3.02%. This is in the better half of the industry: SIGI outperforms 60.81% of its industry peers.
With a decent Return On Equity value of 12.67%, SIGI is doing good in the industry, outperforming 63.51% of the companies in the same industry.
The Return On Invested Capital of SIGI (3.33%) 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 9.34%.
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's Profit Margin of 8.57% is in line compared to the rest of the industry. SIGI outperforms 54.05% of its industry peers.
SIGI's Profit Margin has been stable in the last couple of years.
SIGI has a Operating Margin of 11.75%. This is comparable to the rest of the industry: SIGI outperforms 49.32% of its industry peers.
In the last couple of years the Operating Margin of SIGI has remained more or less at the same level.

		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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. SIGI Health Analysis

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.
Compared to 1 year ago, SIGI has less shares outstanding
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

The Debt to FCF ratio of SIGI is 0.76, which is an excellent value as it means it would take SIGI, only 0.76 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.76, SIGI is in the better half of the industry, outperforming 74.32% of the companies in the same industry.
SIGI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.25, SIGI is doing good in the industry, outperforming 60.81% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	0.76
Altman-Z	N/A

ROIC/WACC0.39

WACC8.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. SIGI Growth Analysis

3.1 Past

The Earnings Per Share has grown by an impressive 127.38% over the past year.
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.
SIGI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.69%.
The Revenue has been growing by 12.70% on average over the past years. This is quite good.

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

SIGI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.05% yearly.
Based on estimates for the next years, SIGI will show a small growth in Revenue. The Revenue will grow by 7.41% on average per year.

EPS Next Y10.45%

EPS Next 2Y10.36%

EPS Next 3Y8.05%

EPS Next 5YN/A

Revenue Next Year9.19%

Revenue Next 2Y6.95%

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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

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4. SIGI Valuation Analysis

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.11, the valuation of SIGI can be described as very reasonable.
SIGI's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 24.88. SIGI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 9.15, which indicates a very decent valuation of SIGI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SIGI is on the same level as its industry peers.
SIGI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.15

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SIGI is on the same level as its industry peers.
SIGI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SIGI is cheaper than 72.30% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	3.76
EV/EBITDA	8.18

4.3 Compensation for Growth

SIGI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.97

PEG (5Y)0.82

EPS Next 2Y10.36%

EPS Next 3Y8.05%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. SIGI Dividend Analysis

5.1 Amount

With a Yearly Dividend Yield of 2.30%, SIGI has a reasonable but not impressive dividend return.
SIGI's Dividend Yield is comparable with the industry average which is at 2.84.
SIGI's Dividend Yield is a higher than the S&P500 average which is at 1.90.

		Industry Rank	Sector Rank
Dividend Yield	2.3%

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

SIGI pays out 22.33% of its income as dividend. This is a sustainable payout ratio.
The dividend of SIGI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP22.33%

EPS Next 2Y10.36%

EPS Next 3Y8.05%

More info and screens

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SIGI Fundamentals: All Metrics, Ratios and Statistics

SELECTIVE INSURANCE GROUP

NASDAQ:SIGI (3/27/2026, 8:00:03 PM)

After market: 74.68 0 (0%)

74.68

-0.08 (-0.11%)

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 Owners89.01%

Inst Owner Change-1.37%

Ins Owners0.82%

Ins Owner Change0.4%

Market Cap4.49B

Revenue(TTM)5.33B

Net Income(TTM)457.21M

Analysts73.85

Price Target90.2 (20.78%)

Short Float %3.71%

Short Ratio3.9

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.3%

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)4.75%

PT rev (3m)5.32%

EPS NQ rev (1m)-5.29%

EPS NQ rev (3m)-4.22%

EPS NY rev (1m)0.38%

EPS NY rev (3m)0.01%

Revenue NQ rev (1m)-0.87%

Revenue NQ rev (3m)3.63%

Revenue NY rev (1m)-1.25%

Revenue NY rev (3m)4.18%

Valuation

		Industry Rank	Sector Rank
PE	10.11
Fwd PE	9.15
P/S	0.84
P/FCF	3.76
P/OCF	3.64
P/B	1.24
P/tB	1.25
EV/EBITDA	8.18

EPS(TTM)7.39

EY9.9%

EPS(NY)8.16

Fwd EY10.93%

FCF(TTM)19.88

FCFY26.62%

OCF(TTM)20.52

OCFY27.48%

SpS88.77

BVpS60.07

TBVpS59.94

PEG (NY)0.97

PEG (5Y)0.82

Graham Number99.94

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

WACC8.52%

ROIC/WACC0.39

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 Y10.45%

EPS Next 2Y10.36%

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 Year9.19%

Revenue Next 2Y6.95%

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 Fundamental Analysis 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%.