SELECTIVE INSURANCE GROUP (SIGI) Fundamental Analysis & Valuation
NASDAQ:SIGI • US8163001071
Current stock price
85.61 USD
+0.39 (+0.46%)
At close:
85.61 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
- SIGI had positive earnings in the past year.
- In the past year SIGI had a positive cash flow from operations.
- In the past 5 years SIGI has always been profitable.
- SIGI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- SIGI has a Return On Assets of 3.02%. This is comparable to the rest of the industry: SIGI outperforms 57.82% of its industry peers.
- SIGI has a Return On Equity of 12.67%. This is in the better half of the industry: SIGI outperforms 61.90% of its industry peers.
- The Return On Invested Capital of SIGI (3.33%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 9.60%.
- 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
- With a Profit Margin value of 8.57%, SIGI perfoms like the industry average, outperforming 51.70% of the companies in the same industry.
- SIGI's Profit Margin has been stable in the last couple of years.
- SIGI has a Operating Margin of 11.75%. This is comparable to the rest of the industry: SIGI outperforms 50.34% of its industry peers.
- 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. 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.
- Compared to 1 year ago, SIGI has less shares outstanding
- SIGI has about the same amout of shares outstanding than it did 5 years ago.
- SIGI has a worse debt/assets ratio than last year.
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 Debt to FCF ratio of 0.76. This is in the better half of the industry: SIGI outperforms 72.79% of its industry peers.
- SIGI has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.
- Looking at the Debt to Equity ratio, with a value of 0.25, SIGI is in the better half of the industry, outperforming 60.54% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 0.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.39
WACC8.5%
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.
- Measured over the past years, SIGI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.29% on average per year.
- The Revenue has grown by 8.54% 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)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%-1.2%
3.2 Future
- SIGI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.58% yearly.
- The Revenue is expected to grow by 7.09% on average over the next years.
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
- 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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. SIGI Valuation Analysis
4.1 Price/Earnings Ratio
- SIGI is valuated reasonably with a Price/Earnings ratio of 11.70.
- 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 26.91, SIGI is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.50, the valuation of SIGI can be described as reasonable.
- Based on the Price/Forward Earnings ratio, SIGI is valued a bit cheaper than 60.54% of the companies in the same industry.
- SIGI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.7 | ||
| Fwd PE | 9.5 |
4.2 Price Multiples
- SIGI's Enterprise Value to EBITDA ratio is in line with the industry average.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of SIGI indicates a somewhat cheap valuation: SIGI is cheaper than 72.11% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.29 | ||
| EV/EBITDA | 9.1 |
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)1.27
PEG (5Y)0.95
EPS Next 2Y10.43%
EPS Next 3Y7.58%
5. SIGI Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.02%, SIGI has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.37, SIGI has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, SIGI has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
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 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.
- The dividend of SIGI is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.33%
EPS Next 2Y10.43%
EPS Next 3Y7.58%
SIGI Fundamentals: All Metrics, Ratios and Statistics
85.61
+0.39 (+0.46%)
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 Cap5.13B
Revenue(TTM)5.41B
Net Income(TTM)457.21M
Analysts72.86
Price Target90.05 (5.19%)
Short Float %2%
Short Ratio2.05
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
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 | 11.7 | ||
| Fwd PE | 9.5 | ||
| P/S | 0.96 | ||
| P/FCF | 4.29 | ||
| P/OCF | 4.16 | ||
| P/B | 1.42 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 9.1 |
EPS(TTM)7.32
EY8.55%
EPS(NY)9.01
Fwd EY10.53%
FCF(TTM)19.95
FCFY23.3%
OCF(TTM)20.6
OCFY24.06%
SpS89.08
BVpS60.28
TBVpS60.15
PEG (NY)1.27
PEG (5Y)0.95
Graham Number99.6401 (16.39%)
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
WACC8.5%
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%-1.2%
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.