81.96 USD
+0.76 (+0.94%)
Overall SIGI gets a fundamental rating of 5 out of 10. We evaluated SIGI against 147 industry peers in the Insurance industry. There are concerns on the financial health of SIGI while its profitability can be described as average. SIGI has a correct valuation and a medium growth rate. SIGI also has an excellent dividend rating.
1. Profitability
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.
In the past 5 years SIGI always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 2.65%, SIGI is in line with its industry, outperforming 58.50% of the companies in the same industry.
SIGI has a Return On Equity (11.39%) which is in line with its industry peers.
SIGI has a Return On Invested Capital of 2.95%. This is comparable to the rest of the industry: SIGI outperforms 56.46% of its industry peers.
SIGI had an Average Return On Invested Capital over the past 3 years of 2.53%. This is significantly below the industry average of 14.90%.
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
The Profit Margin of SIGI (7.61%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of SIGI has declined.
The Operating Margin of SIGI (10.50%) is comparable to the rest of the industry.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SIGI is destroying value.
Compared to 1 year ago, SIGI has more shares outstanding
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
The Debt to FCF ratio of SIGI is 0.78, which is an excellent value as it means it would take SIGI, only 0.78 years of fcf income to pay off all of its debts.
SIGI has a better Debt to FCF ratio (0.78) than 74.83% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that SIGI is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.26, SIGI is doing good in the industry, outperforming 61.22% 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
WACC8.37%
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.
Looking at the last year, SIGI shows a quite strong growth in Revenue. The Revenue has grown by 10.78% in the last year.
The Revenue has been growing by 11.27% on average over the past years. This is quite good.
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
SIGI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 40.04% yearly.
SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.34% yearly.
EPS Next Y113.84%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
EPS Next 5YN/A
Revenue Next Year7.15%
Revenue Next 2Y5.71%
Revenue Next 3Y5.34%
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
Based on the Price/Earnings ratio of 12.73, the valuation of SIGI can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as SIGI.
The average S&P500 Price/Earnings ratio is at 26.76. SIGI is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 10.04 indicates a reasonable valuation of SIGI.
SIGI's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.96. SIGI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
SIGI's Enterprise Value to EBITDA is on the same level as the industry average.
76.87% of the companies in the same industry are more expensive than SIGI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.3 | ||
| EV/EBITDA | 10.02 |
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 2.23%.
SIGI's Dividend Yield is comparable with the industry average which is at 3.48.
SIGI's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
5.2 History
The dividend of SIGI is nicely growing with an annual growth rate of 13.90%!
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)13.9%
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 earnings are growing more, so the dividend growth is sustainable.
DP25.02%
EPS Next 2Y58.47%
EPS Next 3Y40.04%
NASDAQ:SIGI (12/12/2025, 1:16:13 PM)
81.96
+0.76 (+0.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners87.38%
Inst Owner Change-0.01%
Ins Owners0.78%
Ins Owner Change-0.53%
Market Cap4.95B
Revenue(TTM)5.22B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.39 (4.18%)
Short Float %3%
Short Ratio3.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.23% |
Yearly Dividend1.55
Dividend Growth(5Y)13.9%
DP25.02%
Div Incr Years11
Div Non Decr Years34
Ex-Date
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)-3.03%
PT rev (3m)-5.59%
EPS NQ rev (1m)-8.6%
EPS NQ rev (3m)-12.04%
EPS NY rev (1m)-2.67%
EPS NY rev (3m)-0.32%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-3.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.73 | ||
| Fwd PE | 10.04 | ||
| P/S | 0.95 | ||
| P/FCF | 4.3 | ||
| P/OCF | 4.16 | ||
| P/B | 1.42 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 10.02 |
EPS(TTM)6.44
EY7.86%
EPS(NY)8.16
Fwd EY9.96%
FCF(TTM)19.08
FCFY23.28%
OCF(TTM)19.68
OCFY24.01%
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
WACC8.37%
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 Year7.15%
Revenue Next 2Y5.71%
Revenue Next 3Y5.34%
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.
Can you provide the valuation status for SELECTIVE INSURANCE GROUP?
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.
What is the financial health of SELECTIVE INSURANCE GROUP (SIGI) stock?
The financial health rating of SELECTIVE INSURANCE GROUP (SIGI) is 3 / 10.
Can you provide the dividend sustainability for SIGI stock?
The dividend rating of SELECTIVE INSURANCE GROUP (SIGI) is 7 / 10 and the dividend payout ratio is 25.02%.