SELECTIVE INSURANCE GROUP (SIGI) Stock Fundamental Analysis
NASDAQ:SIGI • US8163001071
86.54 USD
+0.12 (+0.14%)
At close: Feb 17, 2026
86.54 USD
0 (0%)
After Hours: 2/17/2026, 8:00:03 PM
Taking everything into account, SIGI scores 4 out of 10 in our fundamental rating. SIGI was compared to 149 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.
1. Profitability
1.1 Basic Checks
- In the past year SIGI was profitable.
- SIGI had a positive operating cash flow in the past year.
- In the past 5 years SIGI has always been profitable.
- SIGI had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SIGI has a better Return On Assets (2.65%) than 61.74% of its industry peers.
- Looking at the Return On Equity, with a value of 11.39%, SIGI is in line with its industry, outperforming 54.36% of the companies in the same industry.
- SIGI has a Return On Invested Capital (2.94%) which is in line with its industry peers.
- The Average Return On Invested Capital over the past 3 years for SIGI is significantly below the industry average of 15.11%.
- 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
- SIGI has a Profit Margin (7.61%) which is comparable to the rest of the 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 (10.50%) which is in line with its industry peers.
- 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SIGI 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.
- SIGI has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 0.78 is fine compared to the rest of the industry. SIGI outperforms 75.17% 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.
- SIGI's Debt to Equity ratio of 0.26 is fine compared to the rest of the industry. SIGI outperforms 60.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.78 | ||
| Altman-Z | N/A |
ROIC/WACC0.35
WACC8.31%
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.
- 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.
- SIGI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.69%.
- 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.
- SIGI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 11.71, which indicates a very decent valuation of SIGI.
- SIGI's Price/Earnings ratio is in line with the industry average.
- SIGI is valuated cheaply when we compare the Price/Earnings ratio to 27.16, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 10.64 indicates a reasonable valuation of SIGI.
- SIGI's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of SIGI to the average of the S&P500 Index (28.10), we can say SIGI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.71 | ||
| Fwd PE | 10.64 |
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 73.83% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.51 | ||
| EV/EBITDA | 10.52 |
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)0.95
EPS Next 2Y10.12%
EPS Next 3Y8.05%
5. Dividend
5.1 Amount
- SIGI has a Yearly Dividend Yield of 1.96%. Purely for dividend investing, there may be better candidates out there.
- SIGI's Dividend Yield is comparable with the industry average which is at 2.68.
- 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 | 1.96% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)13.9%
Div Incr Years11
Div Non Decr Years34
5.3 Sustainability
- 25.02% 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.
DP25.02%
EPS Next 2Y10.12%
EPS Next 3Y8.05%
86.54
+0.12 (+0.14%)
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-4%
Ins Owners0.78%
Ins Owner Change0.47%
Market Cap5.20B
Revenue(TTM)5.33B
Net Income(TTM)397.51M
Analysts72.86
Price Target85.85 (-0.8%)
Short Float %3.37%
Short Ratio3.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.96% |
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)0.54%
PT rev (3m)-2.51%
EPS NQ rev (1m)6.81%
EPS NQ rev (3m)-6.91%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)0.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.17%
Revenue NY rev (1m)2.89%
Revenue NY rev (3m)2.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.71 | ||
| Fwd PE | 10.64 | ||
| P/S | 1 | ||
| P/FCF | 4.51 | ||
| P/OCF | 4.37 | ||
| P/B | 1.49 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | 10.52 |
EPS(TTM)7.39
EY8.54%
EPS(NY)8.13
Fwd EY9.4%
FCF(TTM)19.18
FCFY22.16%
OCF(TTM)19.78
OCFY22.86%
SpS86.94
BVpS58.07
TBVpS57.94
PEG (NY)1.17
PEG (5Y)0.95
Graham Number98.26
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
WACC8.31%
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%.