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Company Analysis

Selective Insurance Group, Inc. SIGIP

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

Overview of Selective Insurance Group, Inc.

SIGIP NMS
Financial Services Insurance - Property & Casualty Framework: Insurance & Reinsurance
Selective Insurance Group, Inc. (SIGIP), in the Insurance - Property & Casualty industry, last closed at $14.90, about 0.0% overvalued vs fair value, -15.5% 1Y return, ranked 504/1078 in sector.
Metrics Rev Growth 9.8% ROE 13.9% Gross Margin 40.8%
USD 14.90
-0.13%
(Delayed)
• Vol 90d: 10.9%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Dec 15 Ex-div: Nov 30

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

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

Flow Steps
Total Revenue
$5.3B
9.8%%
Claims & Losses
-$3.2B
-30.4%%
Acquisition & Admin Expenses
$31.1M
Underwriting Result
$589.6M
128.5%%
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

Loss Ratio
59.2%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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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
48
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.86), demonstrating resilience through insurance market cycles.
  • Consistent Investment Income Investment consistency is high (score 0.80), reflecting a stable portfolio with predictable float income.

Key risks

  • High Expense Ratio Vs Peers Expense efficiency is weak (score 0.34), with operating margin at 11.0% — below 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

Developing
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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 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing SIGIP's balance between Growth (38.0%), Profitability (31.8%), and Safety (30.2%). Growth 38% Safety 30% Profitability 32%

Click axes to expand details. Marker shows current allocation.

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Growth

63th percentile vs peers
63
Key Signals
Rev Growth YoY 9.8% 59p Revenue CAGR 3Y 14.5% 66p Equity Growth YoY 16.7% 63p Asset Growth YoY 12.2% 77p
Strengths
  • Growth above peer median with strong metric coverage (85%)
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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- upside
-
Base
-
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- upside
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Bull
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Fair Value Range Current: $-
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