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Company Analysis

Selective Insurance Group, Inc. SIGI

A comprehensive view of key metrics, scores, and financial health for Selective Insurance Group, Inc.

Overview of Selective Insurance Group, Inc.

SIGI NMS
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance Mid Cap
Selective Insurance Group, Inc. (SIGI), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $100.76, about 40.9% overvalued vs fair value, +30.6% 1Y return, ranked 545/1078 in sector.
Metrics P/E 11.2× Rev Growth 9.8% ROE 13.9% Div Yield 2.02%
USD 100.76
1.95%
(Delayed)
• Vol 90d: 22.6%
52-Week Range
Market Cap
$5.94B
Enterprise Value
$7.04B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 85%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

Website https://www.selective.com
HQ Branchville, NJ
Employees 2,800
Fiscal year Dec 31

Next Events

Dividend Dec 1 Ex-div: Nov 16
Earnings Jan 28 Estimated

Fair Value Snapshot

Bear Base Bull
$33
$60
$112
Current: $100.76 -41% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$5.3B
9.8%%
Acquisition & Admin Expenses
$31.1M
Underwriting Result
$638.9M
122.7%%
Net Income
$466.4M
125.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Expense Ratio
0.6%
Excellent

Admin & Acquistion Expenses / Revenue — operational efficiency; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$194.7M
41.7% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Selective Insurance Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.84, demonstrating consistent risk selection and reserving discipline through market cycles.
  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.86), demonstrating resilience through insurance market cycles.

Key risks

  • Below-Peer Underwriting Margins Gross margin at 0th percentile and operating margin at 38.6th percentile indicate weak underwriting discipline vs peers.
  • Below-Peer Float Returns Float return signal is weak (score 0.39), indicating below-peer investment yields limiting overall profitability.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
59
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SIGI's balance between Growth (39.7%), Profitability (31.7%), and Safety (28.5%). Growth 40% Safety 29% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
67
Key Signals
Rev Growth YoY 9.8% 59p Revenue CAGR 3Y 14.5% 65p EPS Growth YoY 1.32 87p Equity Growth YoY 16.7% 62p Asset Growth YoY 12.2% 76p
Strengths
  • EPS Growth YoY in top 20% of peers (1.32, 87th percentile)
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Selective Insurance Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$59.55
- - -
-40.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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