(SIGI) Selective Insurance - Overview
Sector: Financial Services | Industry: Insurance - Property & Casualty | Exchange: NASDAQ (USA) | Market Cap: 5.430m USD | Total Return: 5.3% in 12m
Avg Turnover: 41.7M
EPS Trend: 35.0%
Qual. Beats: 0
Rev. Trend: 99.0%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Selective Insurance Group, Inc. (SIGI) is a New Jersey-based holding company specializing in property and casualty insurance. The firm operates through four primary segments: Standard Commercial Lines, Standard Personal Lines, Excess & Surplus (E&S) Lines, and Investments. Its product portfolio includes casualty, property, and flood insurance, distributed through a network of independent retail and wholesale agents.
The company employs a dual-revenue business model common in the insurance sector, generating income from underwriting premiums and managing a diversified investment portfolio of fixed income, equities, and mortgage loans. In the E&S segment, insurers provide coverage for high-risk or specialized liabilities that standard carriers typically decline, allowing for more flexible policy pricing and terms.
Investors can evaluate the firms historical performance and valuation metrics further on ValueRay. Founded in 1926, SIGI maintains a focus on commercial clients, non-profit organizations, and local government agencies across the United States.
- Commercial lines pricing power maintains underwriting margins amid persistent social inflation
- Higher interest rates boost reinvestment yields across fixed income portfolio holdings
- Elevated catastrophe loss activity impacts quarterly combined ratios and earnings stability
- Expansion into Excess and Surplus lines diversifies risk and drives premium growth
- Retention rates among independent retail agents sustain market share in competitive regions
| Net Income: 454.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -2.05 > 1.0 |
| NWC/Revenue: 18.34% < 20% (prev -16.35%; Δ 34.69% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.17b > Net Income 454.2m |
| Net Debt (-95.0m) to EBITDA (568.2m): -0.17 < 3 |
| Current Ratio: 1.35 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.5m) vs 12m ago -1.31% < -2% |
| Gross Margin: 41.56% > 18% (prev 0.29%; Δ 4.13k% > 0.5%) |
| Asset Turnover: 38.11% > 50% (prev 38.21%; Δ -0.11% > 0%) |
| Interest Coverage Ratio: 10.11 > 6 (EBITDA TTM 568.2m / Interest Expense TTM 52.9m) |
| A: 0.06 (Total Current Assets 3.86b - Total Current Liabilities 2.87b) / Total Assets 15.3b |
| B: 0.23 (Retained Earnings 3.57b / Total Assets 15.3b) |
| C: 0.04 (EBIT TTM 535.0m / Avg Total Assets 14.2b) |
| D: 0.30 (Book Value of Equity 3.56b / Total Liabilities 11.7b) |
| Altman-Z'' = 1.76 = BBB |
| DSRI: 1.55 (Receivables 2.58b/1.54b, Revenue 5.40b/4.98b) |
| GMI: 0.69 (GM 41.56% / 28.53%) |
| AQI: 0.86 (AQ_t 0.74 / AQ_t-1 0.87) |
| SGI: 1.08 (Revenue 5.40b / 4.98b) |
| TATA: -0.05 (NI 454.2m - CFO 1.17b) / TA 15.3b) |
| Beneish M = -2.93 (Cap -4..+1) = A |
As of May 26, 2026, the stock is trading at USD 90.70 with a total of 557,100 shares traded.
Over the past week, the price has changed by +2.83%,
over one month by +6.97%,
over three months by +10.00% and
over the past year by +5.26%.
Selective Insurance has received a consensus analysts rating of 3.43. Therefore, it is recommended to hold SIGI.
- StrongBuy: 1
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 90.9 | 0.2% |
P/E Trailing = 12.4077
P/E Forward = 11.0011
P/S = 1.0036
P/B = 1.6029
P/EG = 0.2766
Revenue TTM = 5.40b USD
EBIT TTM = 535.0m USD
EBITDA TTM = 568.2m USD
Long Term Debt = 898.5m USD (from longTermDebt, last quarter)
Short Term Debt = 13.1m USD (from shortTermDebt, last fiscal year)
Debt = 904.3m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.90m
Net Debt = -95.0m USD (calculated: Debt 904.3m - CCE 999.3m)
Enterprise Value = 5.34b USD (5.43b + Debt 904.3m - CCE 999.3m)
Interest Coverage Ratio = 10.11 (Ebit TTM 535.0m / Interest Expense TTM 52.9m)
EV/FCF = 4.71x (Enterprise Value 5.34b / FCF TTM 1.13b)
FCF Yield = 21.25% (FCF TTM 1.13b / Enterprise Value 5.34b)
FCF Margin = 20.98% (FCF TTM 1.13b / Revenue TTM 5.40b)
Net Margin = 8.41% (Net Income TTM 454.2m / Revenue TTM 5.40b)
Gross Margin = 41.56% ((Revenue TTM 5.40b - Cost of Revenue TTM 3.16b) / Revenue TTM)
Gross Margin QoQ = 39.65% (prev none%)
Tobins Q-Ratio = 0.35 (Enterprise Value 5.34b / Total Assets 15.3b)
Interest Expense / Debt = 5.85% (Interest Expense 52.9m / Debt 904.3m)
Taxrate = 21.34% (26.5m / 124.2m)
NOPAT = 420.9m (EBIT 535.0m * (1 - 21.34%))
Current Ratio = 1.35 (Total Current Assets 3.86b / Total Current Liabilities 2.87b)
Debt / Equity = 0.25 (Debt 904.3m / totalStockholderEquity, last quarter 3.59b)
Debt / EBITDA = -0.17 (Net Debt -95.0m / EBITDA 568.2m)
Debt / FCF = -0.08 (Net Debt -95.0m / FCF TTM 1.13b)
Total Stockholder Equity = 3.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.20% (Net Income 454.2m / Total Assets 15.3b)
RoE = 12.93% (Net Income TTM 454.2m / Total Stockholder Equity 3.51b)
RoCE = 12.13% (EBIT 535.0m / Capital Employed (Equity 3.51b + L.T.Debt 898.5m))
RoIC = 3.38% (NOPAT 420.9m / Invested Capital 12.5b)
WACC = 6.85% (E(5.43b)/V(6.33b) * Re(7.23%) + D(904.3m)/V(6.33b) * Rd(5.85%) * (1-Tc(0.21)))
Discount Rate = 7.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -24.18 | Cagr: -0.37%
[DCF] Terminal Value 74.28% ; FCFF base≈1.17b ; Y1≈1.10b ; Y5≈1.01b
[DCF] Fair Price = 269.0 (EV 16.0b - Net Debt -95.0m = Equity 16.1b / Shares 59.9m; r=8.35% [WACC [floored]]; 5y FCF grow -7.97% → 2.50% )
EPS Correlation: 34.96 | EPS CAGR: 11.99% | SUE: -0.15 | # QB: 0
Revenue Correlation: 99.02 | Revenue CAGR: 12.76% | SUE: -0.84 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.64 | Chg30d=-0.68% | Revisions=+0% | Analysts=8
EPS next Quarter (2026-09-30): EPS=1.82 | Chg30d=-2.00% | Revisions=-40% | Analysts=8
EPS current Year (2026-12-31): EPS=7.87 | Chg30d=-0.10% | Revisions=-40% | GrowthEPS=+6.6% | GrowthRev=+2.6%
EPS next Year (2027-12-31): EPS=8.86 | Chg30d=+0.55% | Revisions=+17% | GrowthEPS=+12.6% | GrowthRev=+3.0%
[Analyst] Revisions Ratio: -40%