90.1 USD
+0.16 (+0.18%)
At close: Feb 6, 2026
90.1 USD
0 (0%)
After Hours: 2/6/2026, 4:53:36 PM
SIGI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. While SIGI is still in line with the averages on profitability rating, there are concerns on its financial health. SIGI has a correct valuation and a medium growth rate.
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.
- 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
- SIGI has a Return On Assets of 2.65%. This is in the better half of the industry: SIGI outperforms 60.54% of its industry peers.
- Looking at the Return On Equity, with a value of 11.39%, SIGI is in line with its industry, outperforming 53.06% of the companies in the same 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 14.93%.
- 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
- With a Profit Margin value of 7.61%, SIGI perfoms like the industry average, outperforming 46.94% of the companies in the same industry.
- SIGI's Profit Margin has been stable in the last couple of years.
- Looking at the Operating Margin, with a value of 10.50%, SIGI is in line with its industry, outperforming 42.18% 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
- 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.
- SIGI has a worse debt/assets ratio than last year.
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 75.51% 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.
- With a decent Debt to Equity ratio value of 0.26, SIGI is doing good in the industry, outperforming 60.54% 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
WACC8.48%
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.
- 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
- 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.
- The Revenue is expected to grow by 7.41% on average over the next years.
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
- 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
- SIGI is valuated correctly with a Price/Earnings ratio of 12.19.
- The rest of the industry has a similar Price/Earnings ratio as SIGI.
- SIGI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.92.
- The Price/Forward Earnings ratio is 11.08, which indicates a very decent valuation of SIGI.
- SIGI's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 27.78. SIGI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 11.08 |
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 the industry average as 72.11% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.72 | ||
| EV/EBITDA | 10.93 |
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)1.21
PEG (5Y)0.99
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 1.91%.
- Compared to an average industry Dividend Yield of 2.21, SIGI has a dividend in line with its industry peers.
- 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 | 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.
- 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%
90.1
+0.16 (+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-3.65%
Ins Owners0.78%
Ins Owner Change-0.87%
Market Cap5.44B
Revenue(TTM)5.33B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.85 (-4.72%)
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)0.34%
PT rev (3m)-2.7%
EPS NQ rev (1m)1.85%
EPS NQ rev (3m)-8.37%
EPS NY rev (1m)-1.34%
EPS NY rev (3m)-6.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.19 | ||
| Fwd PE | 11.08 | ||
| P/S | 1.04 | ||
| P/FCF | 4.72 | ||
| P/OCF | 4.58 | ||
| P/B | 1.56 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | 10.93 |
EPS(TTM)7.39
EY8.2%
EPS(NY)8.13
Fwd EY9.03%
FCF(TTM)19.08
FCFY21.18%
OCF(TTM)19.68
OCFY21.84%
SpS86.49
BVpS57.77
TBVpS57.64
PEG (NY)1.21
PEG (5Y)0.99
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%.