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Selective Insurance Group, Inc. SIGI

Financial — Insurance Property & Casualty
Dividend Aristocrat Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.26
Total sells
1.78
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1 — — — 1 — — — — — — —
Sell — — — — 2 — — — — 1 — —
Insider Ownership
1.02%

Capital & Financial Ratios

Market Cap
5,190.00
Revenue
5,470.96
Net Income
497.63
Free Cash Flow
1,189.00
Net Debt
890.03
Current Ratio
0.25
Debt/Equity
0.25
P/E ratio
10.76
P/S ratio
0.95
P/B ratio
1.49
Past 5Y EPS Growth
(6.54%)
This Y EPS Growth
9.85%
Next Y EPS Growth
7.66%
Next 5Y EPS Growth
7.21%
in millions of $

Dividends

Payout Ratio
0.27
Annual Dividend Rate
1.20
Annual Dividend Yield
1.47%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡‡
2026 1.79
—
—
—
2025 1.57
—
—
—
—
2024 1.43
—
—
—
—
2023 1.25
—
—
—
—
2022 1.14
—
—
—
—
2021 1.03
—
—
—
—
2020 0.94
—
—
—
—
2019 0.83
—
—
—
—
2018 0.74
—
—
—
—
2017 0.66
—
—
—
—
2016 0.61
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 13.27 63.02 17.96 10.93
Receivables 1,969.90 2,528.95 2,449.40 2,589.96
Inventory — — — —
Other — — — —
1,983.18 2,591.98 2,467.35 2,600.89
2023 2024 2025 Q'26
Payables 7,667.57 9,206.07 9,970.92 10,447.19
ST’ Debt — — — —
Other — — — —
7,789.57 9,327.73 10,111.71 10,569.37
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,358.93 1,387.04 — —
—
’25 1,285.19 1,326.75 1,360.11 1,364.89
5,336.93
’24 1,164.96 1,196.01 1,244.31 1,256.39
4,861.66
’23 999.82 1,040.52 1,081.08 1,110.68
4,232.11
’22 846.06 864.82 895.02 952.16
3,558.06
’21 803.91 840.52 865.04 869.70
3,379.16
’20 664.83 682.45 776.57 798.43
2,922.27
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 221.45 228.99 — —
—
’25 283.99 166.95 405.83 376.26
1,233.02
’24 114.21 266.13 387.37 332.19
1,099.89
’23 135.77 157.88 228.66 236.60
758.91
’22 92.68 150.80 241.96 316.97
802.41
’21 130.26 162.20 250.85 228.12
771.42
’20 39.32 158.07 183.50 173.16
554.05
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 210.51 214.88 — —
—
’25 270.97 159.70 397.33 366.28
1,194.28
’24 108.01 258.40 377.96 324.71
1,069.08
’23 130.26 153.84 223.45 228.73
736.28
’22 85.00 144.38 234.30 312.70
776.39
’21 125.70 157.27 245.22 221.08
749.26
’20 30.90 153.85 178.27 168.96
531.98
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.58 2.11 — —
—
’25 1.76 1.36 1.85 2.52
7.49
’24 1.31 (1.08) 1.47 1.52
3.23
’23 1.48 0.92 1.42 2.01
5.84
’22 0.89 0.61 0.66 1.38
3.54
’21 1.77 1.98 1.18 1.59
6.50
’20 0.25 0.57 1.16 2.10
4.09

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 66.81 87.66 81.00 71.75 — — —
Low Price
‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 98.80 108.18 109.58 96.49 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,520 2,650 2,840 2,800 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.41 1.60 1.71 1.91 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,558.06 4,232.11 4,861.66 5,336.93 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 40.65% 41.30% 34.91% 40.83% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 280.19 458.41 258.03 589.60 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.87% 10.83% 5.31% 11.05% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 224.89 365.24 207.01 466.41 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.34 30.04 34.80 32.67 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 58.90 69.80 79.87 88.04 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ 3.54 5.84 3.23 7.49 ‡‡‡‡ ‡‡‡‡‡ ‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.28 12.52 18.07 20.34 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.43) (0.37) (0.51) (0.64) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.85 12.14 17.56 19.70 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 41.84 48.73 51.26 59.53 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 60.41 60.63 60.87 60.62 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.33 17.17 29.04 11.17 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.52 1.43 1.17 0.95 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.33 2.20 1.95 1.49 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.70 1.59 1.30 1.15 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.73 9.04 5.85 5.09 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 802.41 758.91 1,099.89 1,233.02 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (26.02) (22.63) (30.81) (38.74) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 776.39 736.28 1,069.08 1,194.28 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5,359.08) (5,806.39) (6,735.75) (7,644.36) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 504.68 503.95 507.94 901.87 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 479.47 490.67 444.91 883.92 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,527.56 2,954.38 3,120.08 3,608.98 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.03% 3.15% 1.56% 3.19% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.42% 8.84% 5.03% 8.89% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.44% 14.01% 6.97% 14.45% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Selective Insurance Group, Inc. (SIGI) has carved a resilient path in the cyclical property and casualty insurance landscape, with revenue surging 113% from $2.28 billion in 2016 to $4.86 billion in 2024 at an 11.2% CAGR, fueled by premium growth, acquisitions, and operational efficiencies. This mirrors a tripling of the stock’s trading range from the low-30s to near $110, outpacing the S&P P&C index, while revenue per employee more than doubled to $1.71 million, underscoring superior underwriting discipline. Recent insider activity adds conviction, with net buying at 5.9x sells—including purchases by the CEO and CFO—signaling confidence amid stabilizing shares outstanding.

Profitability reflects industry volatility, with EBT margins contracting to 5.3% in 2024 from 14.9% peaks, yet forecasts herald a rebound: revenue to $5.34 billion in 2025 and $6.16 billion by 2028, EPS rising 21% to $9.05 by 2026, and ROE returning to 14.5%. Free cash flow per share exploded 227% to $17.56, yielding an undervalued 5.9x EV/FCF multiple and ~12% yield, trading at sector discounts on P/E, PS, and PB ratios.

Analysts project 9-11% revenue CAGR through 2028 with ROE-driven book value compounding at 12%, though risks like catastrophe losses, claims inflation, and rising debt loom. A Monte Carlo simulation points to a 65% probability of 15%+ total returns over two years, positioning SIGI as a compelling compounder for patient investors in an insurance cycle poised for normalization.

Read full commentary →

Selective Insurance Group, Inc. (SIGI) Latest News

News by impact score

Fine-tune

17 Sep

3 , 11:04 AM
Selective Insurance Group's earnings rose due to higher investment income despite ongoing underwriting pressure. Investment income supports earnings while underwriting pressure creates operational challenges affecting financial performance.

4 Aug

3 , 4:13 AM
Selective Insurance Group's Q2 profitability initiatives offset premium declines in a competitive market. Profitability initiatives mitigating premium declines in competitive conditions suggest moderate effects on operational trajectory.

30 Jul

3 , 3:33 PM
Selective Insurance Group held its Q2 earnings call, during which management addressed the top five analyst questions on financial results, underwriting performance, growth initiatives, reserve adequacy, and competitive positioning. Q2 earnings call and analyst questions supply moderate updates on operations and outlook that may influence near-term sentiment but do not signal transformative changes.

27 Jul

3 , 11:54 AM
Selective Insurance reported Q2 results that topped expectations while keeping reserves clean, according to RBC. Q2 earnings beat and clean reserves provide moderate positive lift to near-term performance and sentiment.

26 Jul

3 , 6:10 AM
Selective Insurance sustains double-digit ROE alongside ongoing capital returns, prompting questions on whether investors should adjust SIGI portfolio allocations. Sustained ROE and capital returns signal stable financial performance that may moderately shape investor views without altering core operations.

3 , 3:08 AM
Selective Insurance Group reported earnings and updated its dividend, with analysis indicating the stock appears modestly undervalued. Earnings releases and dividend updates directly shape views of financial performance and near-term investor sentiment.

24 Jul

3 , 3:01 PM
Selective Insurance Group Inc (SIGI) highlighted strong return on equity during its Q2 2026 earnings call. Strong ROE reported in earnings call points to solid profitability that may support near-term stock sentiment.

3 , 10:40 AM
Selective Insurance Group Inc. beat Q2 earnings expectations driven by higher investment income and underwriting gains. Q2 earnings beat from investment income and underwriting gains affects financial performance with limited long-term trajectory change.

3 www.marketbeat.com, 9:02 AM
Selective Insurance Group Q2 earnings call highlighted financial results and operational updates for the insurance company. Q2 earnings highlights can influence investor sentiment and stock performance in the near term.

3 app.moby.co, 8:30 AM
Selective Insurance Group, Inc. held its Q2 2026 earnings call detailing financial results, revenue, profits, and operational updates. Q2 2026 earnings data updates financial performance and may shift short-term investor views without major strategic shifts.

23 Jul

3 , 7:30 PM
Selective Insurance (SIGI) Q2 earnings key metrics are compared against analyst estimates. Q2 earnings metrics versus estimates may moderately influence SIGI stock performance and investor views.

3 , 4:15 PM
Selective Insurance Group, Inc. reported its second quarter 2026 financial results. Quarterly earnings update supplies core financial metrics that shape near-term valuation and sentiment.

22 Jul

3 , 8:30 AM
Selective Insurance Group (SIGI) prepares to report Q2 earnings with focus on expected financial results and performance metrics. Q2 earnings preview may moderately shift short-term sentiment and valuation without altering long-term trajectory.

7 Jul

3 , 12:00 PM
Selective Insurance (SIGI) receives an upgrade to Buy rating. Buy upgrade may lift short-term investor sentiment and share price.

26 Jun

3 , 10:40 AM
SIGI commercial lines segment fuels sustained company expansion. Core commercial lines growth supports moderate improvement in SIGI financial trajectory.

4 Jun

3 Simply Wall St., 3:10 PM
Selective Insurance Group faces slower growth and rising margin pressure. Slower growth and rising margin pressure may moderately influence financial performance without fundamentally altering long-term trajectory.

25 Apr

3 Simply Wall St., 8:03 AM
Selective Insurance Group (SIGI)'s story is shifting as fair value assumptions evolve, potentially altering investor perceptions and valuation metrics. Evolving fair value assumptions moderately influence SIGI's financial performance and competitive positioning in the insurance sector.

24 Apr

4 GuruFocus.com, 3:05 AM
Selective Insurance Group Inc (SIGI) Q1 2026 earnings call highlights navigating market challenges with key financial results, strategic updates, and outlook. Q1 2026 earnings highlights cover financial performance and market strategies likely to significantly sway investor sentiment and company trajectory.

3 StockStory, 8:53 AM
Selective Insurance Group (SIGI) upheld margin discipline and advanced portfolio diversification in Q1, countering competitive pressures in the insurance market. Q1 margin discipline and diversification efforts moderately bolster SIGI's financial performance and competitive stance amid market challenges.

23 Apr

4 www.marketbeat.com, 4:37 PM
Selective Insurance Group, Inc. (SIGI) released Q1 earnings call highlights covering financial performance, strategic updates, and outlook. Q1 earnings highlights reveal core financial metrics and guidance that significantly shape investor expectations and stock trajectory.

4 transcript www.fool.com, 4:10 PM
Selective Insurance Group, Inc. (SIGI) released its Q1 2026 earnings call transcript, where executives reviewed quarterly financial results, premium growth, underwriting performance, investment returns, catastrophe losses, and provided guidance on full-year outlook and strategic priorities. Q1 2026 earnings details and forward guidance directly shape SIGI's valuation, stock trajectory, and competitive positioning in the insurance sector.

3 Zacks, 12:52 PM
Selective Insurance Group, Inc. (SIGI) Q1 earnings missed analyst estimates, though revenues increased year-over-year. Q1 earnings miss highlights profitability pressures despite revenue growth, moderately impacting financial performance and market sentiment.

3 app.moby.co, 8:30 AM
Selective Insurance Group, Inc. (SIGI) released Q1 2026 earnings call summary detailing financial results, operational performance, and outlook. Q1 earnings call summary impacts SIGI's financial reporting and market sentiment but remains routine quarterly update.

22 Apr

4 Business Wire, 4:15 PM
Selective Insurance Group, Inc. (SIGI) reported first quarter 2026 results. Q1 2026 earnings directly impact financial metrics, investor sentiment, and stock trajectory.

4 transcript www.fool.com, 3:26 PM
Selective Insurance Group, Inc. (SIGI) released its Q4 2024 earnings call transcript detailing financial results, performance highlights, and forward-looking guidance. Q4 earnings transcripts disclose key financial metrics, strategic updates, and outlook that significantly influence SIGI's stock price and investor expectations.

4 transcript www.fool.com, 12:20 PM
Selective Insurance Group, Inc. (SIGI) Q3 2025 earnings call transcript released, detailing quarterly financial results, management's commentary, and future outlook. Q3 2025 earnings transcript discloses financial performance, strategic updates, and guidance that significantly shape SIGI's market trajectory and investor expectations.

3 Zacks, 7:00 PM
Selective Insurance Group, Inc. (SIGI) missed Q1 earnings and revenue estimates. Missing quarterly earnings and revenue forecasts impacts financial performance and investor sentiment moderately.

3 Zacks, 7:00 PM
Selective Insurance Group (SIGI) reported Q1 earnings, with key metrics highlighting operating performance, revenue growth, and profitability trends. Q1 earnings reveal financial health through core metrics, moderately influencing investor sentiment and near-term stock performance.

3 Zacks, 7:00 PM
Selective Insurance Group, Inc. (SIGI) reported Q1 earnings, with key metrics providing insights into financial performance and operational results. Q1 earnings reports reveal core financial metrics that moderately influence investor sentiment and short-term stock performance.

3 StockStory, 5:06 PM
Selective Insurance Group (NASDAQ:SIGI) reported sales below analyst estimates in Q1 CY2026 earnings. Sales below analyst estimates in Q1 CY2026 earnings will moderately impact financial performance and investor sentiment without fundamentally altering long-term trajectory.
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