SELECTIVE INSURANCE GROUP (SIGI) Stock Fundamental Analysis
NASDAQ:SIGI • US8163001071
85.1 USD
+0.15 (+0.18%)
At close: Feb 20, 2026
85.1 USD
0 (0%)
After Hours: 2/20/2026, 8:05:03 PM
Taking everything into account, SIGI scores 4 out of 10 in our fundamental rating. SIGI was compared to 149 industry peers in the Insurance industry. There are concerns on the financial health of SIGI while its profitability can be described as average. SIGI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- In the past year SIGI was profitable.
- In the past year SIGI had a positive cash flow from operations.
- SIGI had positive earnings in each of the past 5 years.
- SIGI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SIGI's Return On Assets of 2.65% is fine compared to the rest of the industry. SIGI outperforms 61.74% of its industry peers.
- SIGI's Return On Equity of 11.39% is in line compared to the rest of the industry. SIGI outperforms 54.36% of its industry peers.
- SIGI's Return On Invested Capital of 2.94% is in line compared to the rest of the industry. SIGI outperforms 57.72% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 15.11%.
- The 3 year average ROIC (2.80%) for SIGI is below the current ROIC(2.94%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 11.39% | ||
| ROIC | 2.94% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.8%
ROIC(5y)3%
1.3 Margins
- The Profit Margin of SIGI (7.61%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of SIGI has remained more or less at the same level.
- With a Operating Margin value of 10.50%, SIGI perfoms like the industry average, outperforming 42.28% of the companies in the same industry.
- SIGI's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.5% | ||
| PM (TTM) | 7.61% | ||
| GM | N/A |
OM growth 3Y8%
OM growth 5Y0.24%
PM growth 3Y12.55%
PM growth 5Y0.41%
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 SIGI is destroying value.
- The number of shares outstanding for SIGI has been reduced compared to 1 year ago.
- Compared to 5 years ago, SIGI has about the same amount of shares outstanding.
- The debt/assets ratio for SIGI is higher compared to a year ago.
2.2 Solvency
- SIGI 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.
- SIGI has a better Debt to FCF ratio (0.78) than 75.17% of its industry peers.
- A Debt/Equity ratio of 0.26 indicates that SIGI is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.26, SIGI is in the better half of the industry, outperforming 60.40% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC8.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SIGI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 127.38%, which is quite impressive.
- The Earnings Per Share has been growing by 12.29% on average over the past years. This is quite good.
- Looking at the last year, SIGI shows a quite strong growth in Revenue. The Revenue has grown by 9.69% in the last year.
- SIGI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.70% yearly.
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%25.27%
3.2 Future
- The Earnings Per Share is expected to grow by 8.05% on average over the next years. This is quite good.
- Based on estimates for the next years, SIGI will show a small growth in Revenue. The Revenue will grow by 7.41% on average per year.
EPS Next Y10.04%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue Next Year7.44%
Revenue Next 2Y6.06%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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
- The Price/Earnings ratio is 11.52, which indicates a very decent valuation of SIGI.
- SIGI's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of SIGI to the average of the S&P500 Index (26.99), we can say SIGI is valued rather cheaply.
- SIGI is valuated reasonably with a Price/Forward Earnings ratio of 10.46.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SIGI is on the same level as its industry peers.
- SIGI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.52 | ||
| Fwd PE | 10.46 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SIGI is on the same level as its industry peers.
- Based on the Price/Free Cash Flow ratio, SIGI is valued a bit cheaper than 74.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.44 | ||
| EV/EBITDA | 10.36 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)0.94
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 1.96%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.65, SIGI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.85, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
5.2 History
- On average, the dividend of SIGI grows each year by 13.90%, which is quite nice.
- SIGI has paid a dividend for at least 10 years, which is a reliable track record.
- SIGI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)13.9%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- 25.02% of the earnings are spent on dividend by SIGI. This is a low number and sustainable payout ratio.
- The dividend of SIGI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.02%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
85.1
+0.15 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-21 2026-04-21
Inst Owners87.31%
Inst Owner Change-4%
Ins Owners0.78%
Ins Owner Change0.47%
Market Cap5.11B
Revenue(TTM)5.33B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.85 (0.88%)
Short Float %3.37%
Short Ratio3.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years11
Div Non Decr Years34
Ex-Date02-13 2026-02-13 (0.43)
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)0.54%
PT rev (3m)-2.51%
EPS NQ rev (1m)6.81%
EPS NQ rev (3m)-6.91%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)2.89%
Revenue NY rev (3m)2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.52 | ||
| Fwd PE | 10.46 | ||
| P/S | 0.98 | ||
| P/FCF | 4.44 | ||
| P/OCF | 4.3 | ||
| P/B | 1.47 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | 10.36 |
EPS(TTM)7.39
EY8.68%
EPS(NY)8.13
Fwd EY9.56%
FCF(TTM)19.18
FCFY22.54%
OCF(TTM)19.78
OCFY23.25%
SpS86.94
BVpS58.07
TBVpS57.94
PEG (NY)1.15
PEG (5Y)0.94
Graham Number98.26
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.65% | ||
| ROE | 11.39% | ||
| ROCE | 3.69% | ||
| ROIC | 2.94% | ||
| ROICexc | 2.94% | ||
| ROICexgc | 3.29% | ||
| OM | 10.5% | ||
| PM (TTM) | 7.61% | ||
| GM | N/A | ||
| FCFM | 22.06% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.8%
ROIC(5y)3%
ROICexc(3y)2.8%
ROICexc(5y)3%
ROICexgc(3y)3.12%
ROICexgc(5y)3.35%
ROCE(3y)3.51%
ROCE(5y)3.77%
ROICexgc growth 3Y9.72%
ROICexgc growth 5Y3.35%
ROICexc growth 3Y9.94%
ROICexc growth 5Y3.15%
OM growth 3Y8%
OM growth 5Y0.24%
PM growth 3Y12.55%
PM growth 5Y0.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
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-Score7
WACC8.34%
ROIC/WACC0.35
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)127.38%
EPS 3Y13.68%
EPS 5Y12.29%
EPS Q2Q%58.64%
EPS Next Y10.04%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
EPS Next 5YN/A
Revenue 1Y (TTM)9.69%
Revenue growth 3Y14.13%
Revenue growth 5Y12.7%
Sales Q2Q%25.27%
Revenue Next Year7.44%
Revenue Next 2Y6.06%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1Y70.89%
EBIT growth 3Y23.26%
EBIT growth 5Y12.97%
EBIT Next Year11.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.38%
OCF growth 3YN/A
OCF growth 5YN/A
SELECTIVE INSURANCE GROUP / SIGI FAQ
What is the ChartMill fundamental rating of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SIGI.
What is the valuation status of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a valuation rating of 5 / 10 to SELECTIVE INSURANCE GROUP (SIGI). This can be considered as Fairly Valued.
How profitable is SELECTIVE INSURANCE GROUP (SIGI) stock?
SELECTIVE INSURANCE GROUP (SIGI) has a profitability rating of 4 / 10.
Can you provide the financial health for SIGI stock?
The financial health rating of SELECTIVE INSURANCE GROUP (SIGI) is 3 / 10.
How sustainable is the dividend of SELECTIVE INSURANCE GROUP (SIGI) stock?
The dividend rating of SELECTIVE INSURANCE GROUP (SIGI) is 6 / 10 and the dividend payout ratio is 25.02%.