SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis & Valuation
NASDAQ:SIGI • US8163001071
Current stock price
82.48 USD
-1.9 (-2.25%)
At close:
82.48 USD
0 (0%)
After Hours:
This SIGI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. SIGI Profitability Analysis
1.1 Basic Checks
- In the past year SIGI was profitable.
- 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
- The Return On Assets of SIGI (3.02%) is comparable to the rest of the industry.
- SIGI has a better Return On Equity (12.67%) than 61.90% of its industry peers.
- SIGI's Return On Invested Capital of 3.33% is in line compared to the rest of the industry. SIGI outperforms 57.14% 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 9.55%.
- 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
- With a Profit Margin value of 8.57%, SIGI perfoms like the industry average, outperforming 51.70% 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 in line with its industry peers.
- 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 | 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. SIGI Health Analysis
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.
- SIGI has less shares outstanding than it did 1 year ago.
- SIGI has about the same amout of shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SIGI has a worse debt to assets ratio.
2.2 Solvency
- SIGI has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 0.76, SIGI is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
- A Debt/Equity ratio of 0.25 indicates that SIGI is not too dependend on debt financing.
- SIGI's Debt to Equity ratio of 0.25 is fine compared to the rest of the industry. SIGI outperforms 60.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.45%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. SIGI Growth Analysis
3.1 Past
- SIGI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 98.91%, 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 8.54% in the last year.
- The Revenue has been growing by 12.70% on average over the past years. This is quite good.
EPS 1Y (TTM)98.91%
EPS 3Y13.68%
EPS 5Y12.29%
EPS Q2Q%-3.98%
Revenue 1Y (TTM)8.54%
Revenue growth 3Y14.13%
Revenue growth 5Y12.7%
Sales Q2Q%10.22%
3.2 Future
- Based on estimates for the next years, SIGI will show a small growth in Earnings Per Share. The EPS will grow by 7.58% on average per year.
- SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.09% yearly.
EPS Next Y9.24%
EPS Next 2Y10.43%
EPS Next 3Y7.58%
EPS Next 5YN/A
Revenue Next Year5.74%
Revenue Next 2Y5.28%
Revenue Next 3Y7.09%
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. SIGI Valuation Analysis
4.1 Price/Earnings Ratio
- SIGI is valuated reasonably with a Price/Earnings ratio of 11.27.
- Compared to the rest of the industry, the Price/Earnings ratio of SIGI is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 27.42, SIGI is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.15, the valuation of SIGI can be described as reasonable.
- Based on the Price/Forward Earnings ratio, SIGI is valued a bit cheaper than the industry average as 63.95% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 22.29. SIGI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.27 | ||
| Fwd PE | 9.15 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SIGI.
- Based on the Price/Free Cash Flow ratio, SIGI is valued a bit cheaper than 72.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.13 | ||
| EV/EBITDA | 8.86 |
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)1.22
PEG (5Y)0.92
EPS Next 2Y10.43%
EPS Next 3Y7.58%
5. SIGI Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.09%, SIGI has a reasonable but not impressive dividend return.
- SIGI's Dividend Yield is comparable with the industry average which is at 2.36.
- Compared to an average S&P500 Dividend Yield of 1.81, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
5.2 History
- The dividend of SIGI is nicely growing with an annual growth rate of 13.01%!
- 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)13.01%
Div Incr Years12
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.
- SIGI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP22.33%
EPS Next 2Y10.43%
EPS Next 3Y7.58%
SIGI Fundamentals: All Metrics, Ratios and Statistics
82.48
-1.9 (-2.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)04-22 2026-04-22/amc
Earnings (Next)07-21 2026-07-21
Inst Owners89.48%
Inst Owner Change-1.21%
Ins Owners0.86%
Ins Owner Change0.21%
Market Cap4.94B
Revenue(TTM)5.41B
Net Income(TTM)457.21M
Analysts72.86
Price Target90.2 (9.36%)
Short Float %2.14%
Short Ratio2.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.09% |
Yearly Dividend1.69
Dividend Growth(5Y)13.01%
DP22.33%
Div Incr Years12
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)0.3%
PT rev (3m)5.27%
EPS NQ rev (1m)-0.57%
EPS NQ rev (3m)-5.42%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)-3.16%
Revenue NY rev (3m)1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.27 | ||
| Fwd PE | 9.15 | ||
| P/S | 0.93 | ||
| P/FCF | 4.13 | ||
| P/OCF | 4 | ||
| P/B | 1.37 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | 8.86 |
EPS(TTM)7.32
EY8.87%
EPS(NY)9.01
Fwd EY10.93%
FCF(TTM)19.95
FCFY24.19%
OCF(TTM)20.6
OCFY24.97%
SpS89.08
BVpS60.28
TBVpS60.15
PEG (NY)1.22
PEG (5Y)0.92
Graham Number99.6401 (20.81%)
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
WACC8.45%
ROIC/WACC0.39
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)98.91%
EPS 3Y13.68%
EPS 5Y12.29%
EPS Q2Q%-3.98%
EPS Next Y9.24%
EPS Next 2Y10.43%
EPS Next 3Y7.58%
EPS Next 5YN/A
Revenue 1Y (TTM)8.54%
Revenue growth 3Y14.13%
Revenue growth 5Y12.7%
Sales Q2Q%10.22%
Revenue Next Year5.74%
Revenue Next 2Y5.28%
Revenue Next 3Y7.09%
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 Fundamental Analysis 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 for SIGI stock?
ChartMill assigns a valuation rating of 5 / 10 to SELECTIVE INSURANCE GROUP (SIGI). This can be considered as Fairly Valued.
Can you provide the profitability details for SELECTIVE INSURANCE GROUP?
SELECTIVE INSURANCE GROUP (SIGI) has a profitability rating of 5 / 10.
How financially healthy is SELECTIVE INSURANCE GROUP?
The financial health rating of SELECTIVE INSURANCE GROUP (SIGI) is 3 / 10.
What is the earnings growth outlook for SELECTIVE INSURANCE GROUP?
The Earnings per Share (EPS) of SELECTIVE INSURANCE GROUP (SIGI) is expected to grow by 9.24% in the next year.