SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis & Valuation

Q: What is the ChartMill fundamental rating of SELECTIVE INSURANCE GROUP (SIGI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SIGI.

NASDAQ:SIGI • US8163001071

79.08 USD

+1.37 (+1.76%)

Last: Apr 7, 2026, 02:56 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

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.
SIGI had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 3.02%, SIGI is doing good in the industry, outperforming 60.81% of the companies in the same industry.
SIGI's Return On Equity of 12.67% is fine compared to the rest of the industry. SIGI outperforms 63.51% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.33%, SIGI is in line with its industry, outperforming 57.43% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 9.46%.
The 3 year average ROIC (2.79%) for SIGI is below the current ROIC(3.33%), indicating increased profibility in the last year.

		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 of 8.57%. This is comparable to the rest of the industry: SIGI outperforms 54.05% of its industry peers.
In the last couple of years the Profit Margin of SIGI has remained more or less at the same level.
The Operating Margin of SIGI (11.75%) is comparable to the rest of the 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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

2. SIGI Health Analysis

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SIGI is destroying value.
The number of shares outstanding for SIGI has been reduced compared to 1 year ago.
Compared to 5 years ago, SIGI has about the same amount of shares outstanding.
The debt/assets ratio for SIGI is higher compared to a year ago.

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.
With a decent Debt to FCF ratio value of 0.76, SIGI is doing good in the industry, outperforming 73.65% 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.
SIGI has a Debt to Equity ratio of 0.25. This is in the better half of the industry: SIGI outperforms 60.81% of its industry peers.

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

ROIC/WACC0.39

WACC8.46%

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

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.
The Earnings Per Share has been growing by 12.29% on average over the past years. This is quite good.
The Revenue has grown by 9.69% in the past year. This is quite good.
SIGI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.70% yearly.

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

Based on estimates for the next years, SIGI will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.05% on average per year.
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 Year5.8%

Revenue Next 2Y5.33%

Revenue Next 3Y7.41%

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 decreasing.
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 10.70, the valuation of SIGI can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of SIGI is on the same level as its industry peers.
When comparing the Price/Earnings ratio of SIGI to the average of the S&P500 Index (26.21), we can say SIGI is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 9.69, the valuation of SIGI can be described as reasonable.
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 23.13. SIGI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	9.69

4.2 Price Multiples

SIGI's Enterprise Value to EBITDA is on the same level as the industry average.
70.95% of the companies in the same industry are more expensive than SIGI, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	3.98
EV/EBITDA	8.45

4.3 Compensation for Growth

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

PEG (NY)1.02

PEG (5Y)0.87

EPS Next 2Y10.36%

EPS Next 3Y8.05%

More info and screens

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5. SIGI Dividend Analysis

5.1 Amount

SIGI has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.55, SIGI has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.89, SIGI pays a bit more dividend than the S&P500 average.

		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 paid a dividend for at least 10 years, which is 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 Years12

Div Non Decr Years34

5.3 Sustainability

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

DP22.33%

EPS Next 2Y10.36%

EPS Next 3Y8.05%

More info and screens

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SIGI Fundamentals: All Metrics, Ratios and Statistics

SELECTIVE INSURANCE GROUP

NASDAQ:SIGI (4/7/2026, 2:56:09 PM)

79.08

+1.37 (+1.76%)

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 Change0%

Ins Owners0.82%

Ins Owner Change0.4%

Market Cap4.75B

Revenue(TTM)5.33B

Net Income(TTM)457.21M

Analysts72.86

Price Target90.2 (14.06%)

Short Float %3.22%

Short Ratio3.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.3%

Yearly Dividend1.69

Dividend Growth(5Y)13.01%

DP22.33%

Div Incr Years12

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)0.3%

PT rev (3m)5.63%

EPS NQ rev (1m)-5.94%

EPS NQ rev (3m)-4.87%

EPS NY rev (1m)0%

EPS NY rev (3m)0.01%

Revenue NQ rev (1m)-3.18%

Revenue NQ rev (3m)1.21%

Revenue NY rev (1m)-4.32%

Revenue NY rev (3m)1.32%

Valuation

		Industry Rank	Sector Rank
PE	10.7
Fwd PE	9.69
P/S	0.89
P/FCF	3.98
P/OCF	3.85
P/B	1.32
P/tB	1.32
EV/EBITDA	8.45

EPS(TTM)7.39

EY9.34%

EPS(NY)8.16

Fwd EY10.32%

FCF(TTM)19.88

FCFY25.14%

OCF(TTM)20.52

OCFY25.95%

SpS88.77

BVpS60.07

TBVpS59.94

PEG (NY)1.02

PEG (5Y)0.87

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

WACC8.46%

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 Year5.8%

Revenue Next 2Y5.33%

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 for SIGI stock?

ChartMill assigns a valuation rating of 5 / 10 to SELECTIVE INSURANCE GROUP (SIGI). This can be considered as Fairly Valued.

Can you provide the profitability details for SELECTIVE INSURANCE GROUP?

SELECTIVE INSURANCE GROUP (SIGI) has a profitability rating of 5 / 10.

How financially healthy is SELECTIVE INSURANCE GROUP?

The financial health rating of SELECTIVE INSURANCE GROUP (SIGI) is 3 / 10.

What is the earnings growth outlook for SELECTIVE INSURANCE GROUP?

The Earnings per Share (EPS) of SELECTIVE INSURANCE GROUP (SIGI) is expected to grow by 10.45% in the next year.