SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis & Valuation

Q: What is the ChartMill fundamental rating of SELECTIVE INSURANCE GROUP (SIGI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to SIGI.

NASDAQ:SIGI • US8163001071

79.94 USD

-1.64 (-2.01%)

At close: Apr 10, 2026

79.94 USD

0 (0%)

After Hours: 4/10/2026, 8:00:02 PM

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

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.
In the past 5 years SIGI always reported a positive cash flow from operatings.

1.2 Ratios

SIGI's Return On Assets of 3.02% is in line compared to the rest of the industry. SIGI outperforms 58.11% of its industry peers.
SIGI has a better Return On Equity (12.67%) than 62.16% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.33%, SIGI is in line with its industry, outperforming 57.43% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 9.50%.
The 3 year average ROIC (2.79%) for SIGI is below the current ROIC(3.33%), indicating increased profibility in the last year.

		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

SIGI has a Profit Margin (8.57%) which is in line with its industry peers.
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.
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

More info and screens

ROA ROE ROIC Operating and Profit Margin Show most profitable peers

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.
The debt/assets ratio for SIGI is higher compared to a year ago.

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.
SIGI's Debt to FCF ratio of 0.76 is fine compared to the rest of the industry. SIGI outperforms 73.65% of its industry peers.
A Debt/Equity ratio of 0.25 indicates that SIGI is not too dependend on debt financing.
The Debt to Equity ratio of SIGI (0.25) is better than 60.81% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	0.76
Altman-Z	N/A

ROIC/WACC0.39

WACC8.43%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC Debt/Equity How to determine the health of a company Altman-Z score Show peers with great health

3. SIGI Growth Analysis

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.
Looking at the last year, SIGI shows a quite strong growth in Revenue. The Revenue has grown by 9.69% in the last year.
Measured over the past years, SIGI shows a quite strong growth in Revenue. The Revenue has been growing by 12.70% on average per year.

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

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 7.41% yearly.

EPS Next Y9.24%

EPS Next 2Y10.43%

EPS Next 3Y7.58%

EPS Next 5YN/A

Revenue Next Year5.8%

Revenue Next 2Y5.33%

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.

More info and screens

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4. SIGI Valuation Analysis

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.82, which indicates a very decent valuation of SIGI.
SIGI's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.86. SIGI is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.90 indicates a reasonable 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 37.39. SIGI is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	10.82
Fwd PE	9.9

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 71.62% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.01
EV/EBITDA	8.63

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)1.17

PEG (5Y)0.88

EPS Next 2Y10.43%

EPS Next 3Y7.58%

More info and screens

Price/Earnings Price/FCF FCF per share EV/EBITDA PEG RATIO Show best valued peers

5. SIGI Dividend Analysis

5.1 Amount

SIGI has a Yearly Dividend Yield of 2.11%.
Compared to an average industry Dividend Yield of 2.44, SIGI has a dividend in line with its industry peers.
SIGI's Dividend Yield is comparable with the S&P500 average which is at 1.82.

		Industry Rank	Sector Rank
Dividend Yield	2.11%

5.2 History

The dividend of SIGI is nicely growing with an annual growth rate of 13.01%!
SIGI has been paying a dividend for at least 10 years, so it has a reliable track record.
SIGI has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)13.01%

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%

More info and screens

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SIGI Fundamentals: All Metrics, Ratios and Statistics

SELECTIVE INSURANCE GROUP

NASDAQ:SIGI (4/10/2026, 8:00:02 PM)

After market: 79.94 0 (0%)

79.94

-1.64 (-2.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)01-29 2026-01-29/amc

Earnings (Next)04-22 2026-04-22

Inst Owners89.48%

Inst Owner Change-0.02%

Ins Owners0.86%

Ins Owner Change0.4%

Market Cap4.79B

Revenue(TTM)5.33B

Net Income(TTM)457.21M

Analysts72.86

Price Target90.2 (12.83%)

Short Float %3.22%

Short Ratio3.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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)5.63%

EPS NQ rev (1m)-0.84%

EPS NQ rev (3m)-5.02%

EPS NY rev (1m)-1.1%

EPS NY rev (3m)-1.08%

Revenue NQ rev (1m)-2.33%

Revenue NQ rev (3m)1.21%

Revenue NY rev (1m)-4.32%

Revenue NY rev (3m)1.32%

Valuation

		Industry Rank	Sector Rank
PE	10.82
Fwd PE	9.9
P/S	0.9
P/FCF	4.01
P/OCF	3.88
P/B	1.33
P/tB	1.33
EV/EBITDA	8.63

EPS(TTM)7.39

EY9.24%

EPS(NY)8.07

Fwd EY10.1%

FCF(TTM)19.95

FCFY24.95%

OCF(TTM)20.6

OCFY25.76%

SpS89.08

BVpS60.28

TBVpS60.15

PEG (NY)1.17

PEG (5Y)0.88

Graham Number100.12

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

WACC8.43%

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)127.38%

EPS 3Y13.68%

EPS 5Y12.29%

EPS Q2Q%58.64%

EPS Next Y9.24%

EPS Next 2Y10.43%

EPS Next 3Y7.58%

EPS Next 5YN/A

Revenue 1Y (TTM)9.69%

Revenue growth 3Y14.13%

Revenue growth 5Y12.7%

Sales Q2Q%25.29%

Revenue Next Year5.8%

Revenue Next 2Y5.33%

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 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.