SIGI Stock Analysis: Selective Insurance | NASDAQ
Insurance - Property & Casualty | NASDAQ, USA | Market Cap: 5.752m USD | 12M Return: 20.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 54.3M
EPS Trend: 49.4%
Qual. Beats: 0
Rev. Trend: 98.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Selective Insurance Group, Inc. (SIGI) is a U.S.-based insurance holding company that provides property, casualty, and flood insurance products through four operating segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. The company distributes its products via independent retail agents and wholesale general agents, serving businesses, non-profit organizations, local government agencies, and individuals. Founded in 1926 and headquartered in Branchville, New Jersey, Selective has been publicly traded on NASDAQ since 1990 and operates in the Property & Casualty Insurance sub-industry. The P&C insurance sector is typically driven by underwriting discipline, premium pricing cycles, and investment income from policyholder premiums, with carriers often earning returns from both underwriting profits and investment portfolios of fixed income securities, equities, and alternative assets. Excess & Surplus (E&S) Lines, one of SIGIs segments, cover risks that standard insurers decline, often commanding higher premiums in specialized or hard-to-place markets.
- E&S Lines premium growth outpaces standard commercial segment
- Net investment income expands as portfolio yields rise with higher rates
- Catastrophe losses pressure combined ratio in storm-heavy quarters
| Net Income: 497.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.27 > 1.0 |
| NWC/Revenue: 158.9% < 20% (prev -16.87%; Δ 175.7% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.23b > Net Income 497.6m |
| Net Debt (-3.66b) to EBITDA (835.4m): -4.38 < 3 |
| Current Ratio: 4.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (60.2m) vs 12m ago -1.79% < -2% |
| Gross Margin: 42.20% > 18% (prev 31.59%; Δ 10.61% > 0.5%) |
| Asset Turnover: 37.74% > 50% (prev 38.34%; Δ -0.60% > 0%) |
| Interest Coverage Ratio: 10.51 > 6 (EBIT TTM 555.5m / Interest Expense TTM 52.9m) |
| A: 0.56 (Total Current Assets 11.5b - Total Current Liabilities 2.87b) / Total Assets 15.6b |
| B: 0.24 (Retained Earnings 3.67b / Total Assets 15.6b) |
| C: 0.04 (EBIT TTM 555.5m / Avg Total Assets 14.5b) |
| D: 0.31 (Book Value of Equity 3.66b / Total Liabilities 12.0b) |
| Altman-Z'' = 4.99 = AAA |
| DSRI: 0.92 (Receivables 1.64b/1.66b, Revenue 5.46b/5.11b) |
| GMI: 0.75 (GM 31.59% / 42.20%) |
| AQI: 0.29 (AQ_t 0.25 / AQ_t-1 0.86) |
| SGI: 1.07 (Revenue 5.46b / 5.11b) |
| TATA: -0.05 (NI 497.6m - CFO 1.23b) / TA 15.6b) |
| Beneish M = -3.69 (Cap -4..+1) = AAA |
As of July 28, 2026, the stock is trading at USD 92.78 with a total of 872,451 shares traded. Over the past week, the price has changed by -4.09%, over one month by -5.09%, over three months by +9.42% and over the past year by +20.71%.
Current recommended Stop Loss: 89.00 (which is 4.1% or 1.4 ATR below the current price).
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 | 98.3 | 5.9% |
P/E Trailing = 13.5134
P/E Forward = 11.5473
P/S = 1.0821
P/B = 1.6989
P/EG = 0.2766
Revenue TTM = 5.46b USD
EBIT TTM = 555.5m USD
EBITDA TTM = 835.4m USD
Long Term Debt = 898.3m USD (from longTermDebt, last fiscal year)
Short Term Debt = 13.1m USD (from shortTermDebt, last fiscal year)
Debt = 903.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 2.90m
Net Debt = -3.66b USD (calculated: Debt 903.9m - CCE 4.56b)
Enterprise Value = 2.09b USD (5.75b + Debt 903.9m - CCE 4.56b)
Interest Coverage Ratio = 10.51 (Ebit TTM 555.5m / Interest Expense TTM 52.9m)
EV/FCF = 4.09x (Enterprise Value 2.09b / FCF TTM 512.1m)
FCF Yield = 24.48% (FCF TTM 512.1m / Enterprise Value 2.09b)
FCF Margin = 9.37% (FCF TTM 512.1m / Revenue TTM 5.46b)
Net Margin = 9.11% (Net Income TTM 497.6m / Revenue TTM 5.46b)
Gross Margin = 42.20% ((Revenue TTM 5.46b - Cost of Revenue TTM 3.16b) / Revenue TTM)
Gross Margin QoQ = 41.15% (prev 39.65%)
Tobins Q-Ratio = 0.13 (Enterprise Value 2.09b / Total Assets 15.6b)
Interest Expense / Debt = 5.85% (Interest Expense 52.9m / Debt 903.9m)
Taxrate = 20.88% (131.3m / 628.8m)
NOPAT = 439.6m (EBIT 555.5m * (1 - 20.88%))
Current Ratio = 3.90 (Total Current Assets 11.5b / Total Current Liabilities 2.96b)
Debt / Equity = 0.25 (Debt 903.9m / totalStockholderEquity, last quarter 3.66b)
Debt / EBITDA = -4.38 (Net Debt -3.66b / EBITDA 835.4m)
Debt / FCF = -7.15 (Net Debt -3.66b / FCF TTM 512.1m)
Total Stockholder Equity = 3.59b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.44% (Net Income 497.6m / Total Assets 15.6b)
RoE = 13.87% (Net Income TTM 497.6m / Total Stockholder Equity 3.59b)
RoCE = 12.38% (EBIT 555.5m / Capital Employed (Equity 3.59b + L.T.Debt 898.3m))
RoIC = 2.86% (NOPAT 439.6m / Invested Capital 15.4b)
WACC = 6.31% (E(5.75b)/V(6.66b) * Re(6.57%) + D(903.9m)/V(6.66b) * Rd(5.85%) * (1-Tc(0.21)))
Discount Rate = 6.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.82 | Cagr: -0.74%
[DCF] Terminal Value 77.97% ; FCFF base≈468.0m ; Y1≈536.5m ; Y5≈789.6m
[DCF] Fair Price = 259.6 (EV 11.9b - Net Debt -3.66b = Equity 15.5b / Shares 59.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 49.43 | EPS CAGR: 19.10% | SUE: 0.26 | # QB: 0
Revenue Correlation: 98.72 | Revenue CAGR: 11.43% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.84 | Chg30d=+1.18% | Revisions=-44% | Analysts=7
EPS current Year (2026-12-31): EPS=7.90 | Chg30d=+0.40% | Revisions=-44% | GrowthEPS=+7.0% | GrowthRev=+2.6%
EPS next Year (2027-12-31): EPS=8.87 | Chg30d=+0.15% | Revisions=+18% | GrowthEPS=+12.3% | GrowthRev=+3.2%
[Analyst] Revisions Ratio: -26% (up=7, down=13)