# Selective Insurance Group Inc. (SIGI) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Insurance. Price $100.57, market value $6.0 billion.

## Valuation
- **P/E (trailing): 12.1×** (5-yr avg 18.2×, 3-yr avg 18.5×). Selective Insurance Group Inc. trades at 12.1× trailing earnings, well below its own five-year average of 18.2×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.08**. A PEG of 0.08 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.1×**. Each dollar of revenue is priced at 1.1×.
- **Price / book: 1.8×**. The shares trade at 1.8× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 19.0%** (5-yr avg 17.4%). Free cash flow equals 19.0% of the market value, in line with its five-year average of 17.4%. Above 5% is generally attractive.
- **Earnings yield: 8.3%**. The inverse of the P/E: 8.3% of the price is earned each year.

## Profitability
- **Net margin: 8.7%**. 8.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 12.9%**. 12.9% on shareholders' equity is solid.
- **Return on assets: 3.4%**. Each dollar of assets produces 3.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 9.8%** (3-yr 14.5%/yr, 5-yr 12.8%/yr). Revenue grew 9.8% over the last year, against 12.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 131.9%** (3-yr 28.4%/yr, 5-yr 12.9%/yr). Earnings per share rose 131.9%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 15.4%/yr**. Free cash flow has compounded at 15.4% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 1.91%** ($1.72 per share, trailing). Selective Insurance Group Inc. yields 1.91%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 20%** (9% of free cash flow). 20% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 10.8%/yr** (1-yr 9.8%). The dividend has compounded at 10.8% a year over five years, doubling roughly every 7 years at that pace.

## Analyst view
- **Analyst consensus: hold** (7 analysts). 7 analysts cover Selective Insurance Group Inc.; the consensus is hold, with an average price target of $103.86 (+3% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 35.8%** (YTD 21.6%, 3-mo 5.6%). The shares are up 35.8% over twelve months including dividends.
- **From 52-week high: -1.3%** (38.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 78**. An RSI of 78 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): -0.07** (volatility 24%). Beta of -0.07 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SIGI · Page: https://foliofundamentals.com/stocks/sigi

Not investment advice.