81.89 USD
-1.08 (-1.3%)
81.89 USD
0 (0%)
Taking everything into account, SIGI scores 5 out of 10 in our fundamental rating. SIGI was compared to 149 industry peers in the Insurance industry. SIGI has a medium profitability rating, but doesn't score so well on its financial health evaluation. SIGI has a correct valuation and a medium growth rate. Finally SIGI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- SIGI had positive earnings in the past year.
- SIGI had a positive operating cash flow in the past year.
- SIGI had positive earnings in each of the past 5 years.
- Each year in the past 5 years SIGI had a positive operating cash flow.
1.2 Ratios
- SIGI has a better Return On Assets (2.65%) than 60.40% of its industry peers.
- Looking at the Return On Equity, with a value of 11.39%, SIGI is in line with its industry, outperforming 53.02% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 2.95%, SIGI is in line with its industry, outperforming 57.05% of the companies in the same industry.
- SIGI had an Average Return On Invested Capital over the past 3 years of 2.53%. This is significantly below the industry average of 14.92%.
- The 3 year average ROIC (2.53%) for SIGI is below the current ROIC(2.95%), indicating increased profibility in the last year.
| 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
- SIGI has a Profit Margin (7.61%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of SIGI has declined.
- SIGI has a Operating Margin (10.50%) which is in line with its industry peers.
- In the last couple of years the Operating Margin of SIGI 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
- SIGI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for SIGI has been increased compared to 1 year ago.
- The number of shares outstanding for SIGI has been increased compared to 5 years ago.
- The debt/assets ratio for SIGI has been reduced 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 Debt to FCF ratio of 0.78. This is in the better half of the industry: SIGI outperforms 75.84% of its industry peers.
- SIGI has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.26, SIGI is in the better half of the industry, outperforming 61.07% 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
WACC8.47%
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.
- SIGI shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.88% yearly.
- SIGI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.78%.
- SIGI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.27% yearly.
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, SIGI will show a very strong growth in Earnings Per Share. The EPS will grow by 40.04% on average per year.
- SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.31% yearly.
EPS Next Y113.84%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
EPS Next 5YN/A
Revenue Next Year6.6%
Revenue Next 2Y5.51%
Revenue Next 3Y5.31%
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.
- 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
- The Price/Earnings ratio is 12.72, which indicates a correct valuation of SIGI.
- SIGI's Price/Earnings ratio is in line with the industry average.
- The average S&P500 Price/Earnings ratio is at 27.38. SIGI is valued rather cheaply when compared to this.
- SIGI is valuated reasonably with a Price/Forward Earnings ratio of 10.03.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SIGI is on the same level as its industry peers.
- When comparing the Price/Forward Earnings ratio of SIGI to the average of the S&P500 Index (24.29), we can say SIGI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
- SIGI's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, SIGI is valued a bit cheaper than the industry average as 75.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.29 | ||
| EV/EBITDA | 10.09 |
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.
- SIGI's earnings are expected to grow with 40.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y58.47%
EPS Next 3Y40.04%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 2.07%.
- Compared to an average industry Dividend Yield of 2.53, 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 | 2.07% |
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 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
- 25.02% of the earnings are spent on dividend by SIGI. This is a low number and sustainable payout ratio.
- SIGI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.02%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
81.89
-1.08 (-1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-29 2026-01-29/amc
Inst Owners87.31%
Inst Owner Change0.02%
Ins Owners0.78%
Ins Owner Change-0.53%
Market Cap4.95B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.68 (4.63%)
Short Float %2.88%
Short Ratio3.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years11
Div Non Decr Years34
Ex-DateN/A
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)0.34%
PT rev (3m)-5.26%
EPS NQ rev (1m)-4.65%
EPS NQ rev (3m)-16.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.19%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-1.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.72 | ||
| Fwd PE | 10.03 | ||
| P/S | 0.95 | ||
| P/FCF | 4.29 | ||
| P/OCF | 4.16 | ||
| P/B | 1.42 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 10.09 |
EPS(TTM)6.44
EY7.86%
EPS(NY)8.16
Fwd EY9.97%
FCF(TTM)19.08
FCFY23.3%
OCF(TTM)19.68
OCFY24.03%
SpS86.49
BVpS57.77
TBVpS57.64
PEG (NY)0.11
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
WACC8.47%
ROIC/WACC0.35
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 Year6.6%
Revenue Next 2Y5.51%
Revenue Next 3Y5.31%
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 GROUP / SIGI FAQ
What is the ChartMill fundamental rating of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to SIGI.
What is the valuation status of SELECTIVE INSURANCE GROUP (SIGI) stock?
ChartMill assigns a valuation rating of 6 / 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 7 / 10 and the dividend payout ratio is 25.02%.