17.092 USD
+0.04 (+0.22%)
Overall SIGIP gets a fundamental rating of 5 out of 10. We evaluated SIGIP against 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on SIGIP.
1. Profitability
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.
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 comparable to the rest of the industry.
SIGIP has a Return On Equity of 11.39%. This is comparable to the rest of the industry: SIGIP outperforms 52.38% of its industry peers.
SIGIP has a Return On Invested Capital (2.95%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for SIGIP is in line with the industry average of 4.37%.
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 47.62% of its industry peers.
In the last couple of years the Profit Margin of SIGIP has declined.
The Operating Margin of SIGIP (10.50%) is comparable to the rest of the industry.
SIGIP's Operating Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for SIGIP has been increased compared to 1 year ago.
Compared to 5 years ago, SIGIP has more shares outstanding
The debt/assets ratio for SIGIP has been reduced compared to a year ago.
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.
The Debt to FCF ratio of SIGIP (0.78) is better than 75.51% of its industry peers.
SIGIP has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
SIGIP's Debt to Equity ratio of 0.26 is fine compared to the rest of the industry. SIGIP outperforms 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
WACC7.33%
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.
Measured over the past years, SIGIP shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.88% on average per year.
Looking at the last year, SIGIP shows a quite strong growth in Revenue. The Revenue has grown by 10.78% 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)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 39.89% on average per year.
Based on estimates for the next years, SIGIP will show a small growth in Revenue. The Revenue will grow by 5.34% on average per year.
EPS Next Y119.71%
EPS Next 2Y57.96%
EPS Next 3Y39.89%
EPS Next 5YN/A
Revenue Next Year7.15%
Revenue Next 2Y5.71%
Revenue Next 3Y5.34%
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.
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 2.65.
Compared to the rest of the industry, the Price/Earnings ratio of SIGIP indicates a rather cheap valuation: SIGIP is cheaper than 85.71% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, SIGIP is valued rather cheaply.
A Price/Forward Earnings ratio of 2.11 indicates a rather cheap valuation of SIGIP.
89.12% 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 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.65 | ||
| Fwd PE | 2.11 |
4.2 Price Multiples
85.71% 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 95.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.9 | ||
| EV/EBITDA | 3.35 |
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.
A more expensive valuation may be justified as SIGIP's earnings are expected to grow with 39.89% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y57.96%
EPS Next 3Y39.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.24%, SIGIP has a reasonable but not impressive dividend return.
SIGIP's Dividend Yield is comparable with the industry average which is at 3.43.
Compared to an average S&P500 Dividend Yield of 2.42, SIGIP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.24% |
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
SIGIP pays out 25.02% of its income as dividend. This is a sustainable payout ratio.
SIGIP's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.02%
EPS Next 2Y57.96%
EPS Next 3Y39.89%
SELECTIVE INSURANCE GROU - SIGI 4.6 PERP
NASDAQ:SIGIP (11/21/2025, 8:00:11 PM)
17.092
+0.04 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.64%
Inst Owner ChangeN/A
Ins Owners0.82%
Ins Owner ChangeN/A
Market Cap1.04B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts53.33
Price Target18.2 (6.48%)
Short Float %0.01%
Short Ratio1.43
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.24% |
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)-12.7%
PT rev (3m)-12.84%
EPS NQ rev (1m)-2.35%
EPS NQ rev (3m)-3.76%
EPS NY rev (1m)-2.98%
EPS NY rev (3m)2.42%
Revenue NQ rev (1m)-3.09%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)-0.49%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.65 | ||
| Fwd PE | 2.11 | ||
| P/S | 0.2 | ||
| P/FCF | 0.9 | ||
| P/OCF | 0.87 | ||
| P/B | 0.3 | ||
| P/tB | 0.3 | ||
| EV/EBITDA | 3.35 |
EPS(TTM)6.44
EY37.68%
EPS(NY)8.11
Fwd EY47.44%
FCF(TTM)18.94
FCFY110.83%
OCF(TTM)19.54
OCFY114.32%
SpS85.86
BVpS57.35
TBVpS57.22
PEG (NY)0.02
PEG (5Y)N/A
Graham Number91.16
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
WACC7.33%
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 Y119.71%
EPS Next 2Y57.96%
EPS Next 3Y39.89%
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 3Y30.95%
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 2.65 and the Price/Book (PB) ratio is 0.3.
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 119.71% in the next year.