SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) Stock Fundamental Analysis

NASDAQ:SIGIP • US8163005031

17.32 USD
0 (0%)
Last: Feb 25, 2026, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to SIGIP. SIGIP was compared to 150 industry peers in the Insurance industry. There are concerns on the financial health of SIGIP while its profitability can be described as average. SIGIP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year SIGIP was profitable.
  • In the past year SIGIP had a positive cash flow from operations.
  • Each year in the past 5 years SIGIP has been profitable.
  • SIGIP had a positive operating cash flow in each of the past 5 years.
SIGIP Yearly Net Income VS EBIT VS OCF VS FCFSIGIP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

1.2 Ratios

  • With a decent Return On Assets value of 3.02%, SIGIP is doing good in the industry, outperforming 65.33% of the companies in the same industry.
  • The Return On Equity of SIGIP (12.67%) is comparable to the rest of the industry.
  • SIGIP's Return On Invested Capital of 3.33% is fine compared to the rest of the industry. SIGIP outperforms 63.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SIGIP is significantly below the industry average of 15.13%.
  • The 3 year average ROIC (2.79%) for SIGIP is below the current ROIC(3.33%), indicating increased profibility in the last year.
Industry RankSector 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%
SIGIP Yearly ROA, ROE, ROICSIGIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • SIGIP has a Profit Margin (8.57%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of SIGIP has remained more or less at the same level.
  • The Operating Margin of SIGIP (11.75%) is comparable to the rest of the industry.
  • SIGIP's Operating Margin has been stable in the last couple of years.
Industry RankSector 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
SIGIP Yearly Profit, Operating, Gross MarginsSIGIP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • SIGIP 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, SIGIP has less shares outstanding
  • The number of shares outstanding for SIGIP remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for SIGIP is higher compared to a year ago.
SIGIP Yearly Shares OutstandingSIGIP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
SIGIP Yearly Total Debt VS Total AssetsSIGIP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • SIGIP 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.
  • SIGIP has a Debt to FCF ratio of 0.76. This is in the better half of the industry: SIGIP outperforms 76.67% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that SIGIP is not too dependend on debt financing.
  • With a decent Debt to Equity ratio value of 0.25, SIGIP is doing good in the industry, outperforming 62.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 0.76
Altman-Z N/A
ROIC/WACC0.46
WACC7.17%
SIGIP Yearly LT Debt VS Equity VS FCFSIGIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SIGIP Yearly Current Assets VS Current LiabilitesSIGIP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 127.38% over the past year.
  • SIGIP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.29% yearly.
  • Looking at the last year, SIGIP shows a quite strong growth in Revenue. The Revenue has grown by 9.69% in the last year.
  • 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

  • SIGIP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.05% yearly.
  • SIGIP 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.
SIGIP Yearly Revenue VS EstimatesSIGIP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
SIGIP Yearly EPS VS EstimatesSIGIP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2 4 6 8

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • SIGIP is valuated cheaply with a Price/Earnings ratio of 2.34.
  • Based on the Price/Earnings ratio, SIGIP is valued cheaply inside the industry as 87.33% of the companies are valued more expensively.
  • SIGIP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.05.
  • The Price/Forward Earnings ratio is 2.13, which indicates a rather cheap valuation of SIGIP.
  • 89.33% of the companies in the same industry are more expensive than SIGIP, based on the Price/Forward Earnings ratio.
  • SIGIP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 2.34
Fwd PE 2.13
SIGIP Price Earnings VS Forward Price EarningsSIGIP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SIGIP is valued cheaper than 88.00% of the companies in the same industry.
  • SIGIP's Price/Free Cash Flow ratio is rather cheap when compared to the industry. SIGIP is cheaper than 96.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.87
EV/EBITDA 2.95
SIGIP Per share dataSIGIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • SIGIP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.23
PEG (5Y)0.19
EPS Next 2Y10.12%
EPS Next 3Y8.05%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • SIGIP has a Yearly Dividend Yield of 2.02%. Purely for dividend investing, there may be better candidates out there.
  • SIGIP's Dividend Yield is comparable with the industry average which is at 2.63.
  • Compared to an average S&P500 Dividend Yield of 1.80, SIGIP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.02%

5.2 History

  • On average, the dividend of SIGIP grows each year by 13.01%, which is quite nice.
  • SIGIP has been paying a dividend for over 5 years, so it has already some track record.
  • SIGIP has decreased its dividend in the last 3 years.
Dividend Growth(5Y)13.01%
Div Incr Years0
Div Non Decr Years2
SIGIP Yearly Dividends per shareSIGIP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 22.33% of the earnings are spent on dividend by SIGIP. This is a low number and sustainable payout ratio.
  • The dividend of SIGIP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.33%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
SIGIP Yearly Income VS Free CF VS DividendSIGIP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
SIGIP Dividend Payout.SIGIP Dividend Payout, showing the Payout Ratio.SIGIP Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SELECTIVE INSURANCE GROU - SIGI 4.6 PERP

NASDAQ:SIGIP (2/25/2026, 8:00:02 PM)

17.32

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners87.31%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap1.04B
Revenue(TTM)5.33B
Net Income(TTM)457.21M
Analysts72.86
Price Target17.35 (0.17%)
Short Float %0.01%
Short Ratio0.62
Dividend
Industry RankSector Rank
Dividend Yield 2.02%
Yearly Dividend1.69
Dividend Growth(5Y)13.01%
DP22.33%
Div Incr Years0
Div Non Decr Years2
Ex-Date02-27
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)-0.08%
PT rev (3m)-4.63%
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 RankSector Rank
PE 2.34
Fwd PE 2.13
P/S 0.2
P/FCF 0.87
P/OCF 0.84
P/B 0.29
P/tB 0.29
EV/EBITDA 2.95
EPS(TTM)7.39
EY42.67%
EPS(NY)8.13
Fwd EY46.95%
FCF(TTM)19.87
FCFY114.73%
OCF(TTM)20.52
OCFY118.45%
SpS88.74
BVpS60.05
TBVpS59.92
PEG (NY)0.23
PEG (5Y)0.19
Graham Number99.92
Profitability
Industry RankSector 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 RankSector 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
WACC7.17%
ROIC/WACC0.46
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 GROU - SIGI 4.6 PERP / SIGIP FAQ

What is the fundamental rating for SIGIP stock?

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


What is the valuation status of SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) stock?

ChartMill assigns a valuation rating of 8 / 10 to SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP). This can be considered as Undervalued.


Can you provide the profitability details for SELECTIVE INSURANCE GROU - SIGI 4.6 PERP?

SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) has a profitability rating of 5 / 10.


How financially healthy is SELECTIVE INSURANCE GROU - SIGI 4.6 PERP?

The financial health rating of SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) is 3 / 10.


Can you provide the expected EPS growth for SIGIP stock?

The Earnings per Share (EPS) of SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) is expected to grow by 10.04% in the next year.