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

85.22 USD

+2.74 (+3.32%)

At close: Apr 27, 2026

85.22 USD

0 (0%)

After Hours: 4/27/2026, 4:30:02 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

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.
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 57.82% of its industry peers.
SIGI has a better Return On Equity (12.67%) than 61.90% of its industry peers.
With a Return On Invested Capital value of 3.33%, SIGI perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
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

The Profit Margin of SIGI (8.57%) is comparable to the rest of the industry.
SIGI's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 11.75%, SIGI is in line with its industry, outperforming 50.34% of the companies in the same industry.
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

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.
Compared to 5 years ago, SIGI has about the same amount of shares outstanding.
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.
The Debt to FCF ratio of SIGI (0.76) is better than 73.47% 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 60.54% of its industry peers.

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

ROIC/WACC0.39

WACC8.46%

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 98.91% 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.
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.
Based on estimates for the next years, SIGI will show a small growth in Revenue. The Revenue will grow by 7.09% on average per year.

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.
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 11.64, which indicates a very decent valuation of SIGI.
The rest of the industry has a similar Price/Earnings ratio as SIGI.
SIGI is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.46, 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.
SIGI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.29.

		Industry Rank	Sector Rank
PE	11.64
Fwd PE	9.46

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as SIGI.
SIGI's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SIGI is cheaper than 72.11% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	4.27
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)1.26

PEG (5Y)0.95

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 2.09%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.36, SIGI has a dividend in line with its industry peers.
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

On average, the dividend of SIGI grows each year by 13.01%, which is quite nice.
SIGI has paid a dividend for at least 10 years, which is 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

SIGI pays out 22.33% of its income as dividend. This is a 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 (4/27/2026, 4:30:02 PM)

After market: 85.22 0 (0%)

85.22

+2.74 (+3.32%)

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 Cap5.10B

Revenue(TTM)5.41B

Net Income(TTM)457.21M

Analysts72.86

Price Target90.2 (5.84%)

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	11.64
Fwd PE	9.46
P/S	0.96
P/FCF	4.27
P/OCF	4.14
P/B	1.41
P/tB	1.42
EV/EBITDA	8.86

EPS(TTM)7.32

EY8.59%

EPS(NY)9.01

Fwd EY10.58%

FCF(TTM)19.95

FCFY23.41%

OCF(TTM)20.6

OCFY24.17%

SpS89.08

BVpS60.28

TBVpS60.15

PEG (NY)1.26

PEG (5Y)0.95

Graham Number99.6401 (16.92%)

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

WACC8.46%

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.