SELECTIVE INSURANCE GROUP (SIGI) Stock Fundamental Analysis
NASDAQ:SIGI • US8163001071
84.04 USD
+0.25 (+0.3%)
At close: Feb 27, 2026
84.04 USD
0 (0%)
After Hours: 2/27/2026, 8:00:02 PM
We assign a fundamental rating of 5 out of 10 to SIGI. SIGI was compared to 150 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.
1. Profitability
1.1 Basic Checks
- SIGI had positive earnings in the past year.
- In the past year SIGI had a positive cash flow from operations.
- Each year in the past 5 years SIGI has been profitable.
- In the past 5 years SIGI always reported a positive cash flow from operatings.
1.2 Ratios
- The Return On Assets of SIGI (3.02%) is better than 64.67% of its industry peers.
- SIGI's Return On Equity of 12.67% is in line compared to the rest of the industry. SIGI outperforms 57.33% of its industry peers.
- SIGI's Return On Invested Capital of 3.33% is fine compared to the rest of the industry. SIGI outperforms 62.67% of its industry peers.
- SIGI had an Average Return On Invested Capital over the past 3 years of 2.79%. This is significantly below the industry average of 15.13%.
- The last Return On Invested Capital (3.33%) for SIGI is above the 3 year average (2.79%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 12.67% | ||
| ROIC | 3.33% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.79%
ROIC(5y)2.99%
1.3 Margins
- Looking at the Profit Margin, with a value of 8.57%, SIGI is in line with its industry, outperforming 52.00% of the companies in the same industry.
- In the last couple of years the Profit Margin of SIGI has remained more or less at the same level.
- SIGI has a Operating Margin (11.75%) which is comparable to the rest of the industry.
- SIGI's Operating Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.75% | ||
| PM (TTM) | 8.57% | ||
| GM | N/A |
OM growth 3Y7.31%
OM growth 5Y-0.14%
PM growth 3Y12.55%
PM growth 5Y0.41%
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 reduced compared to 1 year ago.
- The number of shares outstanding for SIGI remains at a similar level compared to 5 years ago.
- Compared to 1 year ago, SIGI has a worse debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of SIGI is 0.76, which is an excellent value as it means it would take SIGI, only 0.76 years of fcf income to pay off all of its debts.
- SIGI has a better Debt to FCF ratio (0.76) than 76.00% of its industry peers.
- A Debt/Equity ratio of 0.25 indicates that SIGI is not too dependend on debt financing.
- SIGI has a better Debt to Equity ratio (0.25) than 61.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.41
WACC8.16%
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 127.38% over the past year.
- SIGI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.29% yearly.
- 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%25.29%
3.2 Future
- SIGI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.05% yearly.
- 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 Year10.58%
Revenue Next 2Y7.69%
Revenue Next 3Y7.41%
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 decreasing.
- 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
- With a Price/Earnings ratio of 11.37, the valuation of SIGI can be described as very reasonable.
- SIGI's Price/Earnings is on the same level as the industry average.
- SIGI is valuated cheaply when we compare the Price/Earnings ratio to 27.10, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.33, which indicates a very decent valuation of SIGI.
- SIGI's Price/Forward Earnings is on the same level as the industry average.
- When comparing the Price/Forward Earnings ratio of SIGI to the average of the S&P500 Index (28.06), we can say SIGI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.33 |
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 75.33% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.23 | ||
| EV/EBITDA | 9.03 |
4.3 Compensation for Growth
- SIGI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.13
PEG (5Y)0.93
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 2.05%. Purely for dividend investing, there may be better candidates out there.
- SIGI's Dividend Yield is comparable with the industry average which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.83, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
5.2 History
- On average, the dividend of SIGI grows each year by 13.01%, which is quite nice.
- SIGI has been paying a dividend for at least 10 years, so it has 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)13.01%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- 22.33% 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.
DP22.33%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
84.04
+0.25 (+0.3%)
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-1.46%
Ins Owners0.78%
Ins Owner Change0.4%
Market Cap5.05B
Revenue(TTM)5.33B
Net Income(TTM)457.21M
Analysts72.86
Price Target89.93 (7.01%)
Short Float %3.37%
Short Ratio3.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.05% |
Yearly Dividend1.69
Dividend Growth(5Y)13.01%
DP22.33%
Div Incr Years11
Div Non Decr Years34
Ex-Date02-13 2026-02-13 (0.43)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)6.76%
Min EPS beat(2)-10.25%
Max EPS beat(2)23.76%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-14.75%
Max EPS beat(4)23.76%
EPS beat(8)1
Avg EPS beat(8)-30.87%
EPS beat(12)1
Avg EPS beat(12)-22.4%
EPS beat(16)1
Avg EPS beat(16)-18.8%
Revenue beat(2)2
Avg Revenue beat(2)12.92%
Min Revenue beat(2)7.94%
Max Revenue beat(2)17.89%
Revenue beat(4)2
Avg Revenue beat(4)4.46%
Min Revenue beat(4)-4.76%
Max Revenue beat(4)17.89%
Revenue beat(8)3
Avg Revenue beat(8)1.76%
Revenue beat(12)7
Avg Revenue beat(12)1.83%
Revenue beat(16)8
Avg Revenue beat(16)1.37%
PT rev (1m)4.96%
PT rev (3m)8.18%
EPS NQ rev (1m)1.14%
EPS NQ rev (3m)1.31%
EPS NY rev (1m)0.25%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)4.54%
Revenue NQ rev (3m)4.69%
Revenue NY rev (1m)5.9%
Revenue NY rev (3m)5.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.37 | ||
| Fwd PE | 10.33 | ||
| P/S | 0.95 | ||
| P/FCF | 4.23 | ||
| P/OCF | 4.1 | ||
| P/B | 1.4 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | 9.03 |
EPS(TTM)7.39
EY8.79%
EPS(NY)8.13
Fwd EY9.68%
FCF(TTM)19.87
FCFY23.65%
OCF(TTM)20.52
OCFY24.41%
SpS88.74
BVpS60.05
TBVpS59.92
PEG (NY)1.13
PEG (5Y)0.93
Graham Number99.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.02% | ||
| ROE | 12.67% | ||
| ROCE | 4.18% | ||
| ROIC | 3.33% | ||
| ROICexc | 3.33% | ||
| ROICexgc | 3.72% | ||
| OM | 11.75% | ||
| PM (TTM) | 8.57% | ||
| GM | N/A | ||
| FCFM | 22.39% |
ROA(3y)2.5%
ROA(5y)2.65%
ROE(3y)10.35%
ROE(5y)10.56%
ROIC(3y)2.79%
ROIC(5y)2.99%
ROICexc(3y)2.79%
ROICexc(5y)2.99%
ROICexgc(3y)3.1%
ROICexgc(5y)3.33%
ROCE(3y)3.5%
ROCE(5y)3.76%
ROICexgc growth 3Y9.19%
ROICexgc growth 5Y3.06%
ROICexc growth 3Y9.64%
ROICexc growth 5Y2.98%
OM growth 3Y7.31%
OM growth 5Y-0.14%
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 | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Debt/EBITDA | 1.37 | ||
| Cap/Depr | 118.59% | ||
| Cap/Sales | 0.73% | ||
| Interest Coverage | 14.37 | ||
| Cash Conversion | 186.99% | ||
| Profit Quality | 261.21% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC8.16%
ROIC/WACC0.41
Cap/Depr(3y)94.15%
Cap/Depr(5y)76.84%
Cap/Sales(3y)0.63%
Cap/Sales(5y)0.66%
Profit Quality(3y)336.15%
Profit Quality(5y)311.66%
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%25.29%
Revenue Next Year10.58%
Revenue Next 2Y7.69%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1Y116.95%
EBIT growth 3Y22.47%
EBIT growth 5Y12.54%
EBIT Next Year11.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y11.71%
FCF growth 3Y15.44%
FCF growth 5Y17.56%
OCF growth 1Y12.1%
OCF growth 3Y15.4%
OCF growth 5Y17.35%
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 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 5 / 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 22.33%.