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

USA - NASDAQ:SIGIP - US8163005031

18.65 USD
+0.19 (+1%)
Last: 9/19/2025, 8:00:02 PM
Fundamental Rating

5

Overall SIGIP gets a fundamental rating of 5 out of 10. We evaluated SIGIP against 146 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on SIGIP. SIGIP also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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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.
In the past 5 years SIGIP has always 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

1.2 Ratios

SIGIP has a better Return On Assets (2.59%) than 63.01% of its industry peers.
SIGIP has a Return On Equity (11.11%) which is comparable to the rest of the industry.
The Return On Invested Capital of SIGIP (2.89%) is better than 63.70% of its industry peers.
SIGIP had an Average Return On Invested Capital over the past 3 years of 2.53%. This is in line with the industry average of 4.47%.
The 3 year average ROIC (2.53%) for SIGIP is below the current ROIC(2.89%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 2.59%
ROE 11.11%
ROIC 2.89%
ROA(3y)2.16%
ROA(5y)2.56%
ROE(3y)8.97%
ROE(5y)9.83%
ROIC(3y)2.53%
ROIC(5y)2.91%
SIGIP Yearly ROA, ROE, ROICSIGIP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

SIGIP has a Profit Margin (7.33%) which is in line with its industry peers.
SIGIP's Profit Margin has declined in the last couple of years.
SIGIP has a Operating Margin (10.15%) which is comparable to the rest of the industry.
SIGIP's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 10.15%
PM (TTM) 7.33%
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
SIGIP Yearly Profit, Operating, Gross MarginsSIGIP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SIGIP is destroying value.
The number of shares outstanding for SIGIP has been increased compared to 1 year ago.
The number of shares outstanding for SIGIP has been increased compared to 5 years ago.
Compared to 1 year ago, SIGIP has an improved debt to assets ratio.
SIGIP Yearly Shares OutstandingSIGIP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
SIGIP Yearly Total Debt VS Total AssetsSIGIP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

SIGIP has a debt to FCF ratio of 0.80. This is a very positive value and a sign of high solvency as it would only need 0.80 years to pay back of all of its debts.
The Debt to FCF ratio of SIGIP (0.80) is better than 74.66% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that SIGIP is not too dependend on debt financing.
SIGIP's Debt to Equity ratio of 0.27 is in line compared to the rest of the industry. SIGIP outperforms 58.90% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 0.8
Altman-Z N/A
ROIC/WACC0.39
WACC7.46%
SIGIP Yearly LT Debt VS Equity VS FCFSIGIP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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6

3. Growth

3.1 Past

SIGIP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 65.49%, which is quite impressive.
The Earnings Per Share has been decreasing by -5.88% on average over the past years.
Looking at the last year, SIGIP shows a quite strong growth in Revenue. The Revenue has grown by 12.21% in the last year.
The Revenue has been growing by 11.27% on average over the past years. This is quite good.
EPS 1Y (TTM)65.49%
EPS 3Y-19.76%
EPS 5Y-5.88%
EPS Q2Q%219.09%
Revenue 1Y (TTM)12.21%
Revenue growth 3Y13.01%
Revenue growth 5Y11.27%
Sales Q2Q%5.1%

3.2 Future

SIGIP is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 34.97% yearly.
The Revenue is expected to grow by 6.69% on average over the next years.
EPS Next Y114.52%
EPS Next 2Y60.08%
EPS Next 3Y34.97%
EPS Next 5YN/A
Revenue Next Year8.06%
Revenue Next 2Y7.5%
Revenue Next 3Y6.69%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
SIGIP Yearly EPS VS EstimatesSIGIP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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9

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.06, which indicates a rather cheap valuation of SIGIP.
Based on the Price/Earnings ratio, SIGIP is valued cheaply inside the industry as 84.93% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.38. SIGIP is valued rather cheaply when compared to this.
SIGIP is valuated cheaply with a Price/Forward Earnings ratio of 2.24.
89.04% of the companies in the same industry are more expensive than SIGIP, based on the Price/Forward Earnings ratio.
SIGIP is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.06
Fwd PE 2.24
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 cheaply inside the industry as 85.62% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SIGIP indicates a rather cheap valuation: SIGIP is cheaper than 95.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 1
EV/EBITDA 3.7
SIGIP Per share dataSIGIP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

The 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 34.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y60.08%
EPS Next 3Y34.97%

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.23%, SIGIP is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.44, SIGIP pays a better dividend. On top of this SIGIP pays more dividend than 90.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, SIGIP pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.23%

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.
The dividend of SIGIP decreased in the last 3 years.
Dividend Growth(5Y)13.9%
Div Incr Years0
Div Non Decr Years2
SIGIP Yearly Dividends per shareSIGIP Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

SIGIP pays out 26.11% of its income as dividend. This is a sustainable payout ratio.
The dividend of SIGIP is growing, but earnings are growing more, so the dividend growth is sustainable.
DP26.11%
EPS Next 2Y60.08%
EPS Next 3Y34.97%
SIGIP Yearly Income VS Free CF VS DividendSIGIP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
SIGIP Dividend Payout.SIGIP Dividend Payout, showing the Payout Ratio.SIGIP Dividend Payout.PayoutRetained Earnings

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SELECTIVE INSURANCE GROU - SIGI 4.6 PERP

NASDAQ:SIGIP (9/19/2025, 8:00:02 PM)

18.65

+0.19 (+1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners86.59%
Inst Owner ChangeN/A
Ins Owners0.83%
Ins Owner ChangeN/A
Market Cap1.13B
Analysts72.86
Price Target20.66 (10.78%)
Short Float %0.01%
Short Ratio0.77
Dividend
Industry RankSector Rank
Dividend Yield 6.23%
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP26.11%
Div Incr Years0
Div Non Decr Years2
Ex-Date08-29 2025-08-29 (0.2875)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-10.65%
Min EPS beat(2)-14.75%
Max EPS beat(2)-6.55%
EPS beat(4)0
Avg EPS beat(4)-14.52%
Min EPS beat(4)-20.05%
Max EPS beat(4)-6.55%
EPS beat(8)0
Avg EPS beat(8)-33.62%
EPS beat(12)0
Avg EPS beat(12)-25.12%
EPS beat(16)2
Avg EPS beat(16)-18.25%
Revenue beat(2)0
Avg Revenue beat(2)-4%
Min Revenue beat(2)-4.76%
Max Revenue beat(2)-3.24%
Revenue beat(4)0
Avg Revenue beat(4)-3.17%
Min Revenue beat(4)-4.76%
Max Revenue beat(4)-1.3%
Revenue beat(8)3
Avg Revenue beat(8)-0.9%
Revenue beat(12)6
Avg Revenue beat(12)0.53%
Revenue beat(16)8
Avg Revenue beat(16)1.13%
PT rev (1m)5.08%
PT rev (3m)9.18%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.47%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.37%
Valuation
Industry RankSector Rank
PE 3.06
Fwd PE 2.24
P/S 0.22
P/FCF 1
P/OCF 0.97
P/B 0.34
P/tB 0.34
EV/EBITDA 3.7
EPS(TTM)6.09
EY32.65%
EPS(NY)8.33
Fwd EY44.66%
FCF(TTM)18.63
FCFY99.87%
OCF(TTM)19.24
OCFY103.14%
SpS83.96
BVpS55.37
TBVpS55.24
PEG (NY)0.03
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.59%
ROE 11.11%
ROCE 3.61%
ROIC 2.89%
ROICexc 2.89%
ROICexgc 3.22%
OM 10.15%
PM (TTM) 7.33%
GM N/A
FCFM 22.18%
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%
ROICexcg growth 3Y-24.16%
ROICexcg 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-Score7
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 0.8
Debt/EBITDA 1.64
Cap/Depr 117.46%
Cap/Sales 0.73%
Interest Coverage 18.13
Cash Conversion 212.75%
Profit Quality 302.67%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.46%
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)65.49%
EPS 3Y-19.76%
EPS 5Y-5.88%
EPS Q2Q%219.09%
EPS Next Y114.52%
EPS Next 2Y60.08%
EPS Next 3Y34.97%
EPS Next 5YN/A
Revenue 1Y (TTM)12.21%
Revenue growth 3Y13.01%
Revenue growth 5Y11.27%
Sales Q2Q%5.1%
Revenue Next Year8.06%
Revenue Next 2Y7.5%
Revenue Next 3Y6.69%
Revenue Next 5YN/A
EBIT growth 1Y62.67%
EBIT growth 3Y-18%
EBIT growth 5Y-5.02%
EBIT Next Year86.17%
EBIT Next 3Y30.95%
EBIT Next 5YN/A
FCF growth 1Y36.37%
FCF growth 3Y12.58%
FCF growth 5Y19.08%
OCF growth 1Y37.3%
OCF growth 3Y12.55%
OCF growth 5Y18.16%