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

NASDAQ:SIGIP • US8163005031

Current stock price

15.82 USD
-0.29 (-1.8%)
At close:
16.2 USD
+0.38 (+2.4%)
After Hours:

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

5

1. SIGIP Profitability Analysis

1.1 Basic Checks

  • SIGIP had positive earnings in the past year.
  • SIGIP had a positive operating cash flow in the past year.
  • Each year in the past 5 years SIGIP has been profitable.
  • In the past 5 years SIGIP always reported a positive cash flow from operatings.
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 61.22% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 12.67%, SIGIP is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • SIGIP has a Return On Invested Capital of 3.33%. This is comparable to the rest of the industry: SIGIP outperforms 56.46% of its industry peers.
  • SIGIP had an Average Return On Invested Capital over the past 3 years of 2.79%. This is significantly below the industry average of 9.36%.
  • 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

  • The Profit Margin of SIGIP (8.57%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of SIGIP has remained more or less at the same level.
  • SIGIP has a Operating Margin (11.75%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of SIGIP has remained more or less at the same level.
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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3

2. SIGIP Health Analysis

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 reduced compared to 1 year ago.
  • Compared to 5 years ago, SIGIP has about the same amount of shares outstanding.
  • 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

  • The Debt to FCF ratio of SIGIP is 0.76, which is an excellent value as it means it would take SIGIP, only 0.76 years of fcf income to pay off all of its debts.
  • SIGIP's Debt to FCF ratio of 0.76 is fine compared to the rest of the industry. SIGIP outperforms 74.15% of its industry peers.
  • A Debt/Equity ratio of 0.25 indicates that SIGIP is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.25, SIGIP is in the better half of the industry, outperforming 61.22% 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
WACC7.26%
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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5

3. SIGIP Growth Analysis

3.1 Past

  • SIGIP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.38%, which is quite impressive.
  • Measured over the past years, SIGIP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
  • Looking at the last year, SIGIP shows a quite strong growth in Revenue. The Revenue has grown by 9.69% in the last year.
  • Measured over the past years, SIGIP shows a quite strong growth in Revenue. The Revenue has been growing by 12.70% on average per year.
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.
  • Based on estimates for the next years, SIGIP 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

  • 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.
  • 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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8

4. SIGIP Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 2.14, the valuation of SIGIP can be described as very cheap.
  • Based on the Price/Earnings ratio, SIGIP is valued cheaply inside the industry as 87.07% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of SIGIP to the average of the S&P500 Index (25.35), we can say SIGIP is valued rather cheaply.
  • The Price/Forward Earnings ratio is 1.94, which indicates a rather cheap valuation of SIGIP.
  • Based on the Price/Forward Earnings ratio, SIGIP is valued cheaper than 88.44% of the companies in the same industry.
  • SIGIP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.61, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 2.14
Fwd PE 1.94
SIGIP Price Earnings VS Forward Price EarningsSIGIP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SIGIP is valued cheaper than 84.35% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, SIGIP is valued cheaply inside the industry as 95.24% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.8
EV/EBITDA 2.84
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)0.2
PEG (5Y)0.17
EPS Next 2Y10.36%
EPS Next 3Y8.05%

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5

5. SIGIP Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.30%, SIGIP has a reasonable but not impressive dividend return.
  • SIGIP's Dividend Yield is a higher than the industry average which is at 2.50.
  • Compared to an average S&P500 Dividend Yield of 1.89, SIGIP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.3%

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.
  • The dividend of SIGIP decreased 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.
  • SIGIP'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%
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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SIGIP Fundamentals: All Metrics, Ratios and Statistics

SELECTIVE INSURANCE GROU - SIGI 4.6 PERP

NASDAQ:SIGIP (3/31/2026, 8:07:07 PM)

After market: 16.2 +0.38 (+2.4%)

15.82

-0.29 (-1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners89.01%
Inst Owner ChangeN/A
Ins Owners0.82%
Ins Owner ChangeN/A
Market Cap950.47M
Revenue(TTM)5.33B
Net Income(TTM)457.21M
Analysts73.85
Price Target18.8 (18.84%)
Short Float %0.01%
Short Ratio0.99
Dividend
Industry RankSector Rank
Dividend Yield 2.3%
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%
PT rev (3m)10.25%
EPS NQ rev (1m)-5.94%
EPS NQ rev (3m)-4.87%
EPS NY rev (1m)0.38%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)-3.18%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)-1.25%
Revenue NY rev (3m)4.57%
Valuation
Industry RankSector Rank
PE 2.14
Fwd PE 1.94
P/S 0.18
P/FCF 0.8
P/OCF 0.77
P/B 0.26
P/tB 0.26
EV/EBITDA 2.84
EPS(TTM)7.39
EY46.71%
EPS(NY)8.16
Fwd EY51.6%
FCF(TTM)19.88
FCFY125.65%
OCF(TTM)20.52
OCFY129.73%
SpS88.77
BVpS60.07
TBVpS59.94
PEG (NY)0.2
PEG (5Y)0.17
Graham Number99.94
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
WACC7.26%
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 Y10.45%
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 GROU - SIGI 4.6 PERP / SIGIP Fundamental Analysis 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.


What is the profitability of SIGIP stock?

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


What are the PE and PB ratios of SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) stock?

The Price/Earnings (PE) ratio for SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) is 2.14 and the Price/Book (PB) ratio is 0.26.


What is the expected EPS growth for SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) stock?

The Earnings per Share (EPS) of SELECTIVE INSURANCE GROU - SIGI 4.6 PERP (SIGIP) is expected to grow by 10.45% in the next year.