17.25 USD
+0.23 (+1.35%)
Taking everything into account, SIGIP scores 5 out of 10 in our fundamental rating. SIGIP was compared to 149 industry peers in the Insurance industry. There are concerns on the financial health of SIGIP while its profitability can be described as average. SIGIP may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- In the past year SIGIP was profitable.
- SIGIP had a positive operating cash flow in the past year.
- In the past 5 years SIGIP has always been profitable.
- In the past 5 years SIGIP always reported a positive cash flow from operatings.
1.2 Ratios
- SIGIP has a better Return On Assets (2.65%) than 61.07% of its industry peers.
- SIGIP has a Return On Equity (11.39%) which is in line with its industry peers.
- SIGIP has a Return On Invested Capital of 2.95%. This is comparable to the rest of the industry: SIGIP outperforms 57.72% of its industry peers.
- SIGIP had an Average Return On Invested Capital over the past 3 years of 2.53%. This is significantly below the industry average of 14.92%.
- The 3 year average ROIC (2.53%) for SIGIP 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
- SIGIP has a Profit Margin of 7.61%. This is comparable to the rest of the industry: SIGIP outperforms 47.65% of its industry peers.
- In the last couple of years the Profit Margin of SIGIP has declined.
- SIGIP has a Operating Margin of 10.50%. This is comparable to the rest of the industry: SIGIP outperforms 42.95% of its industry peers.
- In the last couple of years the Operating Margin of SIGIP has declined.
| 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), SIGIP is destroying value.
- The number of shares outstanding for SIGIP has been increased compared to 1 year ago.
- SIGIP has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SIGIP has an improved debt to assets ratio.
2.2 Solvency
- SIGIP 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, SIGIP is in the better half of the industry, outperforming 76.51% of the companies in the same industry.
- SIGIP has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of SIGIP (0.26) is better than 61.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC7.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 80.39% over the past year.
- The Earnings Per Share has been decreasing by -5.88% on average over the past years.
- SIGIP shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.78%.
- SIGIP shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.27% yearly.
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
- Based on estimates for the next years, SIGIP will show a very strong growth in Earnings Per Share. The EPS will grow by 40.04% on average per year.
- SIGIP 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- SIGIP is valuated cheaply with a Price/Earnings ratio of 2.68.
- Based on the Price/Earnings ratio, SIGIP is valued cheaper than 87.25% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, SIGIP is valued rather cheaply.
- With a Price/Forward Earnings ratio of 2.11, the valuation of SIGIP can be described as very cheap.
- Based on the Price/Forward Earnings ratio, SIGIP is valued cheaper than 89.26% of the companies in the same industry.
- SIGIP's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.68 | ||
| Fwd PE | 2.11 |
4.2 Price Multiples
- 85.91% of the companies in the same industry are more expensive than SIGIP, based on the Enterprise Value to EBITDA ratio.
- 95.97% of the companies in the same industry are more expensive than SIGIP, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.9 | ||
| EV/EBITDA | 3.33 |
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.
- SIGIP's earnings are expected to grow with 40.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y58.47%
EPS Next 3Y40.04%
5. Dividend
5.1 Amount
- SIGIP has a Yearly Dividend Yield of 2.07%.
- SIGIP's Dividend Yield is comparable with the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.86, SIGIP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- The dividend of SIGIP is nicely growing with an annual growth rate of 13.90%!
- 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)13.9%
Div Incr Years0
Div Non Decr Years2
5.3 Sustainability
- 25.02% of the earnings are spent on dividend by SIGIP. This is a low number and sustainable payout ratio.
- SIGIP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.02%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
SELECTIVE INSURANCE GROU - SIGI 4.6 PERP
NASDAQ:SIGIP (1/22/2026, 3:46:55 PM)
17.25
+0.23 (+1.35%)
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 ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap1.04B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts72.86
Price Target17.37 (0.7%)
Short Float %0.01%
Short Ratio0.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years0
Div Non Decr Years2
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)-6.93%
PT rev (3m)-16.67%
EPS NQ rev (1m)-4.65%
EPS NQ rev (3m)-16.19%
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 | 2.68 | ||
| Fwd PE | 2.11 | ||
| P/S | 0.2 | ||
| P/FCF | 0.9 | ||
| P/OCF | 0.88 | ||
| P/B | 0.3 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 3.33 |
EPS(TTM)6.44
EY37.33%
EPS(NY)8.16
Fwd EY47.31%
FCF(TTM)19.08
FCFY110.62%
OCF(TTM)19.68
OCFY114.09%
SpS86.49
BVpS57.77
TBVpS57.64
PEG (NY)0.02
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
WACC7.48%
ROIC/WACC0.39
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 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 9 / 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 4 / 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 113.84% in the next year.