88.6 USD
-1.5 (-1.66%)
At close: Feb 9, 2026
88.6 USD
0 (0%)
After Hours: 2/9/2026, 8:00:03 PM
SIGI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SIGI was profitable.
- SIGI had a positive operating cash flow in the past year.
- Each year in the past 5 years SIGI has been profitable.
- Of the past 5 years SIGI 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of SIGI (2.65%) is better than 61.07% of its industry peers.
- SIGI has a Return On Equity (11.39%) which is comparable to the rest of the industry.
- SIGI has a Return On Invested Capital (2.94%) which is comparable to the rest of the industry.
- Measured over the past 3 years, the Average Return On Invested Capital for SIGI is significantly below the industry average of 14.88%.
- The last Return On Invested Capital (2.94%) for SIGI is above the 3 year average (2.80%), which is a sign of increasing profitability.
| 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.
- SIGI's Profit Margin has been stable in the last couple of years.
- The Operating Margin of SIGI (10.50%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of SIGI has remained more or less at the same level.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SIGI is destroying value.
- SIGI has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, SIGI has about the same amount of shares outstanding.
- SIGI has a worse debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of SIGI is 0.78, which is an excellent value as it means it would take SIGI, only 0.78 years of fcf income to pay off all of its debts.
- SIGI's Debt to FCF ratio of 0.78 is fine compared to the rest of the industry. SIGI outperforms 75.84% of its industry peers.
- A Debt/Equity ratio of 0.26 indicates that SIGI is not too dependend on debt financing.
- SIGI has a better Debt to Equity ratio (0.26) than 61.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC8.48%
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.
- Measured over the past years, SIGI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
- The Revenue has grown by 9.69% in the past year. This is quite good.
- The Revenue has been growing by 12.70% on average over the past years. This is quite good.
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 11.99 indicates a reasonable valuation of SIGI.
- SIGI's Price/Earnings ratio is in line with the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 28.06, SIGI is valued rather cheaply.
- SIGI is valuated reasonably with a Price/Forward Earnings ratio of 10.90.
- SIGI's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 27.86. SIGI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 10.9 |
4.2 Price Multiples
- SIGI's Enterprise Value to EBITDA ratio is in line with the industry average.
- SIGI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SIGI is cheaper than 73.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.64 | ||
| EV/EBITDA | 10.95 |
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)1.19
PEG (5Y)0.98
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 1.91%.
- SIGI's Dividend Yield is comparable with the industry average which is at 2.23.
- Compared to an average S&P500 Dividend Yield of 1.80, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
5.2 History
- The dividend of SIGI is nicely growing with an annual growth rate of 13.90%!
- SIGI has paid a dividend for at least 10 years, which is a reliable track record.
- SIGI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)13.9%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- SIGI pays out 25.02% of its income as dividend. This is a sustainable payout ratio.
- SIGI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP25.02%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
88.6
-1.5 (-1.66%)
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-3.7%
Ins Owners0.78%
Ins Owner Change-0.9%
Market Cap5.35B
Revenue(TTM)5.33B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.85 (-3.1%)
Short Float %2.78%
Short Ratio3.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.91% |
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)19.15%
EPS NQ rev (3m)8.9%
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 | 11.99 | ||
| Fwd PE | 10.9 | ||
| P/S | 1.02 | ||
| P/FCF | 4.64 | ||
| P/OCF | 4.5 | ||
| P/B | 1.53 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | 10.95 |
EPS(TTM)7.39
EY8.34%
EPS(NY)8.13
Fwd EY9.18%
FCF(TTM)19.08
FCFY21.54%
OCF(TTM)19.68
OCFY22.21%
SpS86.49
BVpS57.77
TBVpS57.64
PEG (NY)1.19
PEG (5Y)0.98
Graham Number98.01
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
WACC8.48%
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%.