SIGI
SELECTIVE INSURANCE GROUP INC
Next earnings Jul 21, 2026 · consensus $1.66 EPS, $1.33B rev
Last earnings -4.0% on 2026-04-22
$100.15
▲ +2.44%$100.15▲ +18.83%
over 1Y
L $72.89H $100.15
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.4%
1W+6.0%
1M+16.4%
3M+30.9%
YTD+21.1%
1Y+18.8%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 15 analysts
Buy
Commercial P&C insurer's earnings more than doubled in a recovery year; cheap at 12x with growing premiums and capital returns.
Revenue (FY2025) $5.34B · FY2025
The read
Quality fundamentals and an attractive price line up (~184% below fair value) — the rarer case where both the business and the entry look good.
Selective Insurance is a super-regional commercial property & casualty insurer that delivered a strong recovery in FY2025. Net income jumped 125.3% to $466M and EPS rose 131.9% to $7.49, rebounding from a weak FY2024 ($207M) that was likely depressed by reserve strengthening — a common cyclical pattern in P&C. Top-line momentum is healthy: revenue grew 9.8% to $5.34B, reflecting firm commercial-lines pricing and premium growth. Returns normalized to a solid 12.9% ROE, and operating cash flow grew 12.1% to $1.23B.
The balance sheet and capital position support the case. Equity grew 15.7% to $3.61B, retained earnings rose 11.5% to $3.50B, and financial debt is modest at ~$508M against a 3.20x liabilities/equity that is normal insurance-reserve leverage, not financial stress. Management leaned into capital returns: buybacks surged to $92.6M (up nearly 5x) and the dividend rose 9.4% to $92.9M — a clear signal of confidence following the earnings recovery.
AI-generated analysis, produced by our proprietary engine from SEC filing data.
Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 21, 2026, 4:56 PM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $3.38B | $3.56B | $4.23B | $4.86B | $5.34B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $404M | $225M | $365M | $207M | $466M |
| Diluted EPS | $6.50 | $3.54 | $5.84 | $3.23 | $7.49 |
| Net margin | 12.0% | 6.3% | 8.6% | 4.3% | 8.7% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF5.0
PEG (trailing)0.11
Earnings yield7.8%
FCF yield19.9%
Quality & risk
ROIC (est.)—
Free cash flow$1.19B
Total debt$508M
Net cash-$490M
Piotroski F-Score6/7
Capital returns
Buyback yield1.5%
Dividend yield (est.)1.5%
Shareholder yield3.1%
Shares Δ YoY-1.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗144Filing2026-06-15open ↗8-KPeriod ending 2026-05-112026-05-14open ↗SCHEDULE 13G/AFiling2026-05-06open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗4Period ending 2026-05-012026-05-04open ↗
Frequently asked
- Is SELECTIVE INSURANCE GROUP INC (SIGI) a buy?
- SIGI currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Commercial P&C insurer's earnings more than doubled in a recovery year; cheap at 12x with growing premiums and capital returns.
- What is SIGI's fair value?
- A Modified-Graham model based on SIGI's SEC fundamentals estimates a fair value of about $284.62. It is an estimate from reported earnings, not a price target.
- Is SIGI overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, SIGI currently appears undervalued relative to its SEC-grounded earnings power.
- What is SELECTIVE INSURANCE GROUP INC's quality score?
- SIGI scores 81.26671440261866/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000230557, latest 10-Q filed 2026-04-24) · EODHD · Proprietary analysis · as of 6/21/2026, 8:56:37 PM.
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