(SIGI) Selective Insurance - Ratings and Ratios
Commercial Insurance, Personal Insurance, Excess Insurance, Property, Casualty
SIGI EPS (Earnings per Share)
SIGI Revenue
Description: SIGI Selective Insurance
Selective Insurance Group Inc (NASDAQ:SIGI) is a US-based insurance company that offers a range of insurance products and services through four business segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. The company provides casualty, property, and flood insurance products to businesses, non-profit organizations, government agencies, and individuals.
From a business perspective, SIGIs diversified insurance offerings and distribution channels, including independent retail agents and wholesale general agents, are key strengths. The companys investment portfolio, comprising fixed income investments, commercial mortgage loans, equity securities, and alternative investments, provides a steady stream of income. To further analyze the companys performance, key performance indicators (KPIs) such as loss ratio, expense ratio, and combined ratio can be examined. A low loss ratio and expense ratio, and a combined ratio below 100%, are indicative of a well-managed insurance company.
To evaluate SIGIs financial health, metrics such as return on equity (RoE) of 7.52% and price-to-earnings (P/E) ratio of 24.33 can be considered. The forward P/E ratio of 11.98 suggests expected earnings growth. Additionally, the companys market capitalization of $5.44 billion indicates a moderate size, allowing for a balance between stability and growth potential.
From an investment perspective, SIGIs dividend yield and payout ratio can be analyzed to assess the sustainability of its dividend payments. Furthermore, the companys capital adequacy ratio and risk-based capital (RBC) ratio can be examined to evaluate its ability to meet policyholder obligations and absorb potential losses.
SIGI Stock Overview
| Market Cap in USD | 4,808m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception | 1990-03-26 |
SIGI Stock Ratings
| Growth Rating | -16.4% |
| Fundamental | 67.9% |
| Dividend Rating | 64.3% |
| Return 12m vs S&P 500 | -28.4% |
| Analyst Rating | 3.43 of 5 |
SIGI Dividends
| Dividend Yield 12m | 1.84% |
| Yield on Cost 5y | 3.11% |
| Annual Growth 5y | 8.75% |
| Payout Consistency | 94.9% |
| Payout Ratio | 25.0% |
SIGI Growth Ratios
| Growth Correlation 3m | -60.9% |
| Growth Correlation 12m | -74.9% |
| Growth Correlation 5y | 68% |
| CAGR 5y | -0.86% |
| CAGR/Max DD 3y | -0.03 |
| CAGR/Mean DD 3y | -0.11 |
| Sharpe Ratio 12m | 0.53 |
| Alpha | 0.17 |
| Beta | 0.530 |
| Volatility | 26.79% |
| Current Volume | 454.6k |
| Average Volume 20d | 451.2k |
| Stop Loss | 74.6 (-3%) |
| Signal | -1.29 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (383.7m TTM) > 0 and > 6% of Revenue (6% = 306.8m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 1.32pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 205.9% (prev -57.19%; Δ 263.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 1.17b > Net Income 383.7m (YES >=105%, WARN >=100%) |
| Net Debt (864.4m) to EBITDA (552.3m) ratio: 1.57 <= 3.0 (WARN <= 3.5) |
| Current Ratio 798.8 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (61.3m) change vs 12m ago 0.66% (target <= -2.0% for YES) |
| Gross Margin 31.58% (prev 47.70%; Δ -16.12pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 37.82% (prev 36.23%; Δ 1.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 13.95 (EBITDA TTM 552.3m / Interest Expense TTM 37.3m) >= 6 (WARN >= 3) |
Altman Z'' 6.12
| (A) 0.73 = (Total Current Assets 10.54b - Total Current Liabilities 13.2m) / Total Assets 14.47b |
| (B) 0.23 = Retained Earnings (Balance) 3.28b / Total Assets 14.47b |
| (C) 0.04 = EBIT TTM 520.7m / Avg Total Assets 13.52b |
| (D) 0.33 = Book Value of Equity 3.27b / Total Liabilities 9.97b |
| Total Rating: 6.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 67.89
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield -35.89% = -5.0 |
| 3. FCF Margin 22.17% = 5.54 |
| 4. Debt/Equity 0.27 = 2.46 |
| 5. Debt/Ebitda 1.65 = 0.68 |
| 6. ROIC - WACC 4.32% = 5.40 |
| 7. RoE 11.88% = 0.99 |
| 8. Rev. Trend 98.95% = 7.42 |
| 9. EPS Trend -2.06% = -0.10 |
What is the price of SIGI shares?
Over the past week, the price has changed by -2.24%, over one month by +1.49%, over three months by -9.33% and over the past year by -15.03%.
Is Selective Insurance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SIGI is around 65.29 USD . This means that SIGI is currently overvalued and has a potential downside of -15.11%.
Is SIGI a buy, sell or hold?
- Strong Buy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SIGI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 83.3 | 8.3% |
| Analysts Target Price | 83.3 | 8.3% |
| ValueRay Target Price | 71.7 | -6.7% |
Last update: 2025-09-13 04:41
SIGI Fundamental Data Overview
CCE Cash And Equivalents = 8.88b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.9313
P/E Forward = 9.7276
P/S = 0.9404
P/B = 1.5302
P/EG = 1.86
Beta = 0.434
Revenue TTM = 5.11b USD
EBIT TTM = 520.7m USD
EBITDA TTM = 552.3m USD
Long Term Debt = 897.9m USD (from longTermDebt, last quarter)
Short Term Debt = 13.2m USD (from totalCurrentLiabilities, last quarter)
Debt = 911.1m USD (Calculated: Short Term 13.2m + Long Term 897.9m)
Net Debt = 864.4m USD (from netDebt column, last quarter)
Enterprise Value = -3.16b USD (4.81b + Debt 911.1m - CCE 8.88b)
Interest Coverage Ratio = 13.95 (Ebit TTM 520.7m / Interest Expense TTM 37.3m)
FCF Yield = -35.89% (FCF TTM 1.13b / Enterprise Value -3.16b)
FCF Margin = 22.17% (FCF TTM 1.13b / Revenue TTM 5.11b)
Net Margin = 7.50% (Net Income TTM 383.7m / Revenue TTM 5.11b)
Gross Margin = 31.58% ((Revenue TTM 5.11b - Cost of Revenue TTM 3.50b) / Revenue TTM)
Tobins Q-Ratio = -0.97 (set to none) (Enterprise Value -3.16b / Book Value Of Equity 3.27b)
Interest Expense / Debt = 1.46% (Interest Expense 13.3m / Debt 911.1m)
Taxrate = 19.77% (51.0m / 258.0m)
NOPAT = 417.7m (EBIT 520.7m * (1 - 19.77%))
Current Ratio = 798.8 (Total Current Assets 10.54b / Total Current Liabilities 13.2m)
Debt / Equity = 0.27 (Debt 911.1m / last Quarter total Stockholder Equity 3.37b)
Debt / EBITDA = 1.65 (Net Debt 864.4m / EBITDA 552.3m)
Debt / FCF = 0.80 (Debt 911.1m / FCF TTM 1.13b)
Total Stockholder Equity = 3.23b (last 4 quarters mean)
RoA = 2.65% (Net Income 383.7m, Total Assets 14.47b )
RoE = 11.88% (Net Income TTM 383.7m / Total Stockholder Equity 3.23b)
RoCE = 12.62% (Ebit 520.7m / (Equity 3.23b + L.T.Debt 897.9m))
RoIC = 11.20% (NOPAT 417.7m / Invested Capital 3.73b)
WACC = 6.89% (E(4.81b)/V(5.72b) * Re(7.97%)) + (D(911.1m)/V(5.72b) * Rd(1.46%) * (1-Tc(0.20)))
Shares Correlation 3-Years: 73.10 | Cagr: 0.07%
Discount Rate = 7.97% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 80.16% ; FCFE base≈1.01b ; Y1≈1.16b ; Y5≈1.62b
Fair Price DCF = 458.9 (DCF Value 27.92b / Shares Outstanding 60.9m; 5y FCF grow 17.30% → 3.0% )
EPS Correlation: -2.06 | EPS CAGR: 10.72% | SUE: -0.24 | # QB: False
Revenue Correlation: 98.95 | Revenue CAGR: 15.39%
Additional Sources for SIGI Stock
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