16.75 USD
+0.06 (+0.36%)
We assign a fundamental rating of 5 out of 10 to SIGIP. SIGIP was compared to 147 industry peers in the Insurance industry. While SIGIP is still in line with the averages on profitability rating, there are concerns on its financial health. SIGIP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
SIGIP had positive earnings in the past year.
In the past year SIGIP had a positive cash flow from operations.
SIGIP had positive earnings in each of the past 5 years.
SIGIP had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SIGIP (2.65%) is better than 60.54% of its industry peers.
With a Return On Equity value of 11.39%, SIGIP perfoms like the industry average, outperforming 53.06% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.95%, SIGIP is in line with its industry, outperforming 57.14% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SIGIP is significantly below the industry average of 14.89%.
The last Return On Invested Capital (2.95%) for SIGIP is above the 3 year average (2.53%), which is a sign of increasing profitability.
| 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 46.94% of its industry peers.
In the last couple of years the Profit Margin of SIGIP has declined.
Looking at the Operating Margin, with a value of 10.50%, SIGIP is in line with its industry, outperforming 42.18% of the companies in the same industry.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SIGIP is destroying value.
SIGIP has more shares outstanding than it did 1 year ago.
SIGIP has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SIGIP has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of SIGIP is 0.78, which is an excellent value as it means it would take SIGIP, only 0.78 years of fcf income to pay off 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 76.19% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that SIGIP is not too dependend on debt financing.
The Debt to Equity ratio of SIGIP (0.26) is better than 61.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.4
WACC7.39%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SIGIP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 80.39%, which is quite impressive.
SIGIP shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.88% yearly.
The Revenue has grown by 10.78% in the past year. This is quite good.
The Revenue has been growing by 11.27% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 40.04% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.34% on average over the next years.
EPS Next Y113.84%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
EPS Next 5YN/A
Revenue Next Year7.15%
Revenue Next 2Y5.71%
Revenue Next 3Y5.34%
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
Based on the Price/Earnings ratio of 2.60, 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.
The average S&P500 Price/Earnings ratio is at 26.55. SIGIP is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 2.05, which indicates a rather cheap valuation of SIGIP.
Based on the Price/Forward Earnings ratio, SIGIP is valued cheaper than 89.12% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, SIGIP is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.6 | ||
| Fwd PE | 2.05 |
4.2 Price Multiples
87.76% of the companies in the same industry are more expensive than SIGIP, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, SIGIP is valued cheaply inside the industry as 96.60% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.88 | ||
| EV/EBITDA | 3.3 |
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 2.12%.
Compared to an average industry Dividend Yield of 2.64, SIGIP has a dividend in line with its industry peers.
SIGIP's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
5.2 History
On average, the dividend of SIGIP grows each year by 13.90%, 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)13.9%
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.
The dividend of SIGIP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.02%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
SELECTIVE INSURANCE GROU - SIGI 4.6 PERP
NASDAQ:SIGIP (12/16/2025, 11:26:20 AM)
16.75
+0.06 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.38%
Inst Owner ChangeN/A
Ins Owners0.78%
Ins Owner ChangeN/A
Market Cap1.01B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts72.86
Price Target18.66 (11.4%)
Short Float %0%
Short Ratio0.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years0
Div Non Decr Years2
Ex-Date
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)-10.08%
PT rev (3m)-9.69%
EPS NQ rev (1m)-8.6%
EPS NQ rev (3m)-12.04%
EPS NY rev (1m)-2.67%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.6 | ||
| Fwd PE | 2.05 | ||
| P/S | 0.19 | ||
| P/FCF | 0.88 | ||
| P/OCF | 0.85 | ||
| P/B | 0.29 | ||
| P/tB | 0.29 | ||
| EV/EBITDA | 3.3 |
EPS(TTM)6.44
EY38.45%
EPS(NY)8.16
Fwd EY48.72%
FCF(TTM)19.08
FCFY113.92%
OCF(TTM)19.68
OCFY117.5%
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
WACC7.39%
ROIC/WACC0.4
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 Year7.15%
Revenue Next 2Y5.71%
Revenue Next 3Y5.34%
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.
Can you provide the valuation status for SELECTIVE INSURANCE GROU - SIGI 4.6 PERP?
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.
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 2.6 and the Price/Book (PB) ratio is 0.29.
What is the earnings growth outlook for SELECTIVE INSURANCE GROU - SIGI 4.6 PERP?
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.