Overview Dividends

(SIGI) Selective Insurance - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8163001071

Commercial Insurance, Personal Insurance, Excess Surplus, Flood, Investments

Property & Casualty Insurance
Market Cap in USD: 4,755m
IPO / Inception: 1990-03-26
Return 12m vs S&P 500: -21.7%

EPS (Earnings per Share)

EPS (Earnings per Share) of SIGI over the last years for every Quarter: "2020-12": 1.84, "2021-03": 1.7, "2021-06": 1.85, "2021-09": 1.18, "2021-12": 1.56, "2022-03": 1.41, "2022-06": 1.17, "2022-09": 0.99, "2022-12": 1.46, "2023-03": 1.44, "2023-06": 0.99, "2023-09": 1.51, "2023-12": 1.94, "2024-03": 1.33, "2024-06": -1.1, "2024-09": 1.4, "2024-12": 1.62, "2025-03": 1.76, "2025-06": 1.31, "2025-09": 1.75,
EPS CAGR: 3.11%
EPS Trend: -2.6%
Last SUE: 0.14
Qual. Beats: 0

Revenue

Revenue of SIGI over the last years for every Quarter: 2020-12: 798.432, 2021-03: 803.907, 2021-06: 840.518, 2021-09: 865.044, 2021-12: 884.588, 2022-03: 846.062, 2022-06: 864.818, 2022-09: 895.02, 2022-12: 952.278, 2023-03: 999.82, 2023-06: 1040.602, 2023-09: 1081.085, 2023-12: 1110.791, 2024-03: 1164.959, 2024-06: 1196.037, 2024-09: 1244.308, 2024-12: 1256.311, 2025-03: 1285.186, 2025-06: 1326.86, 2025-09: 1360.109,
Rev. CAGR: 12.16%
Rev. Trend: 98.8%
Last SUE: 0.19
Qual. Beats: 0

Dividends

Dividend Yield 1.86%
Yield on Cost 5y 2.54%
Yield CAGR 5y 11.06%
Payout Consistency 92.0%
Payout Ratio 24.4%
Risk via 5d forecast
Volatility 24.4%
Value at Risk 5%th 40.0%
Relative Tail Risk -0.21%
Reward TTM
Sharpe Ratio -0.18
Alpha -17.54
CAGR/Max DD -0.03
Character TTM
Hurst Exponent 0.585
Beta 0.385
Beta Downside 0.397
Drawdowns 3y
Max DD 30.46%
Mean DD 11.84%
Median DD 10.43%

Description: SIGI Selective Insurance November 05, 2025

Selective Insurance Group, Inc. (NASDAQ: SIGI) is a U.S.-based insurer founded in 1926 and headquartered in Branchville, New Jersey, operating across four business segments: Standard Commercial Lines, Standard Personal Lines, Excess & Surplus (E&S) Lines, and Investments.

The company writes casualty policies covering workers’ compensation, third-party bodily injury and property damage, as well as property policies that protect real and personal assets against accidental loss; it also offers flood insurance. Investment activities span fixed-income securities, commercial mortgage loans, equities, short-term instruments, and alternative assets.

Distribution is conducted through a network of independent retail agents and wholesale general agents, serving commercial enterprises, non-profit entities, local governments, and individual policyholders.

Key recent metrics: 2023 net written premiums reached roughly $2.5 billion, the combined ratio improved to 92% (indicating underwriting profitability), and investment income rose to about $150 million, driven by a higher-interest-rate environment. The P&C sector remains sensitive to inflation-linked claim costs and a hardening market cycle, while rising rates provide tailwinds for insurers’ investment portfolios.

For a deeper quantitative view of SIGI’s valuation and risk profile, you might explore the ValueRay platform.

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (406.7m TTM) > 0 and > 6% of Revenue (6% = 313.7m TTM)
FCFTA 0.08 (>2.0%) and ΔFCFTA 0.47pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 208.3% (prev 62.24%; Δ 146.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.08 (>3.0%) and CFO 1.19b > Net Income 406.7m (YES >=105%, WARN >=100%)
Net Debt (901.9m) to EBITDA (587.2m) ratio: 1.54 <= 3.0 (WARN <= 3.5)
Current Ratio 19.2k (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (61.0m) change vs 12m ago -0.49% (target <= -2.0% for YES)
Gross Margin 31.56% (prev 7.58%; Δ 23.97pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 36.75% (prev 35.00%; Δ 1.75pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 12.83 (EBITDA TTM 587.2m / Interest Expense TTM 43.3m) >= 6 (WARN >= 3)

Altman Z'' 6.08

(A) 0.73 = (Total Current Assets 10.89b - Total Current Liabilities 567.0k) / Total Assets 14.98b
(B) 0.23 = Retained Earnings (Balance) 3.37b / Total Assets 14.98b
(C) 0.04 = EBIT TTM 555.9m / Avg Total Assets 14.23b
(D) 0.30 = Book Value of Equity 3.42b / Total Liabilities 11.49b
Total Rating: 6.08 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.20

1. Piotroski 6.0pt
2. FCF Yield 25.57%
3. FCF Margin 22.05%
4. Debt/Equity 0.26
5. Debt/Ebitda 1.54
6. ROIC - WACC (= 4.83)%
7. RoE 12.29%
8. Rev. Trend 98.75%
9. EPS Trend -2.64%

What is the price of SIGI shares?

As of December 21, 2025, the stock is trading at USD 84.53 with a total of 1,291,574 shares traded.
Over the past week, the price has changed by +2.71%, over one month by +9.78%, over three months by +9.76% and over the past year by -7.93%.

Is SIGI a buy, sell or hold?

Selective Insurance has received a consensus analysts rating of 3.43. Therefor, it is recommend to hold SIGI.
  • 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 83.4 -1.3%
Analysts Target Price 83.4 -1.3%
ValueRay Target Price 85 0.6%

SIGI Fundamental Data Overview December 21, 2025

Market Cap USD = 4.76b (4.76b USD * 1.0 USD.USD)
P/E Trailing = 12.0416
P/E Forward = 9.3985
P/S = 0.9095
P/B = 1.4089
P/EG = 1.86
Beta = 0.259
Revenue TTM = 5.23b USD
EBIT TTM = 555.9m USD
EBITDA TTM = 587.2m USD
Long Term Debt = 898.1m USD (from longTermDebt, last quarter)
Short Term Debt = 12.6m USD (from shortTermDebt, last fiscal year)
Debt = 902.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 901.9m USD (from netDebt column, last quarter)
Enterprise Value = 4.51b USD (4.76b + Debt 902.3m - CCE 1.15b)
Interest Coverage Ratio = 12.83 (Ebit TTM 555.9m / Interest Expense TTM 43.3m)
FCF Yield = 25.57% (FCF TTM 1.15b / Enterprise Value 4.51b)
FCF Margin = 22.05% (FCF TTM 1.15b / Revenue TTM 5.23b)
Net Margin = 7.78% (Net Income TTM 406.7m / Revenue TTM 5.23b)
Gross Margin = 31.56% ((Revenue TTM 5.23b - Cost of Revenue TTM 3.58b) / Revenue TTM)
Gross Margin QoQ = 12.01% (prev 9.78%)
Tobins Q-Ratio = 0.30 (Enterprise Value 4.51b / Total Assets 14.98b)
Interest Expense / Debt = 1.47% (Interest Expense 13.3m / Debt 902.3m)
Taxrate = 20.84% (30.4m / 145.7m)
NOPAT = 440.0m (EBIT 555.9m * (1 - 20.84%))
Current Ratio = 19.2k (out of range, set to none) (Total Current Assets 10.89b / Total Current Liabilities 567.0k)
Debt / Equity = 0.26 (Debt 902.3m / totalStockholderEquity, last quarter 3.49b)
Debt / EBITDA = 1.54 (Net Debt 901.9m / EBITDA 587.2m)
Debt / FCF = 0.78 (Net Debt 901.9m / FCF TTM 1.15b)
Total Stockholder Equity = 3.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.71% (Net Income 406.7m / Total Assets 14.98b)
RoE = 12.29% (Net Income TTM 406.7m / Total Stockholder Equity 3.31b)
RoCE = 13.21% (EBIT 555.9m / Capital Employed (Equity 3.31b + L.T.Debt 898.1m))
RoIC = 11.26% (NOPAT 440.0m / Invested Capital 3.91b)
WACC = 6.43% (E(4.76b)/V(5.66b) * Re(7.43%) + D(902.3m)/V(5.66b) * Rd(1.47%) * (1-Tc(0.21)))
Discount Rate = 7.43% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 0.0 | Cagr: -0.00%
[DCF Debug] Terminal Value 80.75% ; FCFE base≈1.08b ; Y1≈1.27b ; Y5≈1.93b
Fair Price DCF = 548.6 (DCF Value 33.14b / Shares Outstanding 60.4m; 5y FCF grow 18.55% → 3.0% )
EPS Correlation: -2.64 | EPS CAGR: 3.11% | SUE: 0.14 | # QB: 0
Revenue Correlation: 98.75 | Revenue CAGR: 12.16% | SUE: 0.19 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.95 | Chg30d=-0.082 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=7.96 | Chg30d=-0.174 | Revisions Net=-6 | Growth EPS=+13.7% | Growth Revenue=+5.2%

Additional Sources for SIGI Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle