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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Equity to Asset 0.19
SIGI's Equity to Asset is ranked higher than
62% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. SIGI: 0.19 )
SIGI' s 10-Year Equity to Asset Range
Min: 0.16   Max: 0.25
Current: 0.19

0.16
0.25
Interest Coverage 6.38
SIGI's Interest Coverage is ranked higher than
55% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 vs. SIGI: 6.38 )
SIGI' s 10-Year Interest Coverage Range
Min: 0.62   Max: 9999.99
Current: 6.38

0.62
9999.99
F-Score: 4
Z-Score: 0.79
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 7.55
SIGI's Operating margin (%) is ranked higher than
67% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. SIGI: 7.55 )
SIGI' s 10-Year Operating margin (%) Range
Min: 0.71   Max: 13.19
Current: 7.55

0.71
13.19
Net-margin (%) 5.59
SIGI's Net-margin (%) is ranked higher than
66% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. SIGI: 5.59 )
SIGI' s 10-Year Net-margin (%) Range
Min: 1.38   Max: 9.05
Current: 5.59

1.38
9.05
ROE (%) 9.22
SIGI's ROE (%) is ranked higher than
71% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. SIGI: 9.22 )
SIGI' s 10-Year ROE (%) Range
Min: 2.08   Max: 15.18
Current: 9.22

2.08
15.18
ROA (%) 1.70
SIGI's ROA (%) is ranked higher than
64% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. SIGI: 1.70 )
SIGI' s 10-Year ROA (%) Range
Min: 0.39   Max: 3.43
Current: 1.7

0.39
3.43
ROC (Joel Greenblatt) (%) 282.89
SIGI's ROC (Joel Greenblatt) (%) is ranked higher than
76% of the 147 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 217.60 vs. SIGI: 282.89 )
SIGI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 8.54   Max: 414.27
Current: 282.89

8.54
414.27
Revenue Growth (%) 5.30
SIGI's Revenue Growth (%) is ranked higher than
69% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. SIGI: 5.30 )
SIGI' s 10-Year Revenue Growth (%) Range
Min: -5.2   Max: 13.1
Current: 5.3

-5.2
13.1
EBITDA Growth (%) 14.90
SIGI's EBITDA Growth (%) is ranked higher than
81% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. SIGI: 14.90 )
SIGI' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 14.9
Current: 14.9

0
14.9
EPS Growth (%) 14.20
SIGI's EPS Growth (%) is ranked higher than
82% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. SIGI: 14.20 )
SIGI' s 10-Year EPS Growth (%) Range
Min: -32.1   Max: 58.5
Current: 14.2

-32.1
58.5
» SIGI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

SIGI Guru Trades in Q2 2013

Columbia Wanger 2,799,000 sh (unchged)
Steven Cohen Sold Out
Diamond Hill Capital 238,030 sh (-68.04%)
» More
Q3 2013

SIGI Guru Trades in Q3 2013

Columbia Wanger 2,799,000 sh (unchged)
Diamond Hill Capital Sold Out
» More
Q4 2013

SIGI Guru Trades in Q4 2013

Paul Tudor Jones 12,412 sh (New)
Jim Simons 51,792 sh (New)
Columbia Wanger 2,643,000 sh (-5.57%)
» More
Q1 2014

SIGI Guru Trades in Q1 2014

NWQ Managers 121,500 sh (New)
Paul Tudor Jones 30,912 sh (+149.05%)
Jim Simons 106,802 sh (+106.21%)
Columbia Wanger 2,643,000 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with SIGI



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.10
SIGI's P/E(ttm) is ranked higher than
73% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. SIGI: 13.10 )
SIGI' s 10-Year P/E(ttm) Range
Min: 7.49   Max: 5473.33
Current: 13.1

7.49
5473.33
P/B 1.10
SIGI's P/B is ranked higher than
78% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. SIGI: 1.10 )
SIGI' s 10-Year P/B Range
Min: 0.62   Max: 1.71
Current: 1.1

0.62
1.71
P/S 0.70
SIGI's P/S is ranked higher than
87% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. SIGI: 0.70 )
SIGI' s 10-Year P/S Range
Min: 0.37   Max: 1.14
Current: 0.7

0.37
1.14
PFCF 4.10
SIGI's PFCF is ranked higher than
94% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. SIGI: 4.10 )
SIGI' s 10-Year PFCF Range
Min: 2.32   Max: 9.91
Current: 4.1

2.32
9.91
EV-to-EBIT 11.37
SIGI's EV-to-EBIT is ranked higher than
66% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. SIGI: 11.37 )
SIGI' s 10-Year EV-to-EBIT Range
Min: 6.4   Max: 149.2
Current: 11.37

6.4
149.2
PEG 1.00
SIGI's PEG is ranked higher than
87% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.07 vs. SIGI: 1.00 )
SIGI' s 10-Year PEG Range
Min: 0.19   Max: 52.52
Current: 1

0.19
52.52
Shiller P/E 24.50
SIGI's Shiller P/E is ranked higher than
69% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.98 vs. SIGI: 24.50 )
SIGI' s 10-Year Shiller P/E Range
Min: 4.13   Max: 28.06
Current: 24.5

4.13
28.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.20
SIGI's Dividend Yield is ranked lower than
58% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. SIGI: 2.20 )
SIGI' s 10-Year Dividend Yield Range
Min: 1.31   Max: 4.9
Current: 2.2

1.31
4.9
Dividend Payout 0.29
SIGI's Dividend Payout is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. SIGI: 0.29 )
SIGI' s 10-Year Dividend Payout Range
Min: 0.14   Max: 13
Current: 0.29

0.14
13
Yield on cost (5-Year) 2.20
SIGI's Yield on cost (5-Year) is ranked lower than
66% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. SIGI: 2.20 )
SIGI' s 10-Year Yield on cost (5-Year) Range
Min: 1.31   Max: 4.9
Current: 2.2

1.31
4.9
Share Buyback Rate -1.40
SIGI's Share Buyback Rate is ranked higher than
65% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. SIGI: -1.40 )
SIGI' s 10-Year Share Buyback Rate Range
Min: 6.2   Max: -7
Current: -1.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
SIGI's Price/Tangible Book is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. SIGI: 1.10 )
SIGI' s 10-Year Price/Tangible Book Range
Min: 0.66   Max: 1.68
Current: 1.1

0.66
1.68
Price/DCF (Projected) 0.50
SIGI's Price/DCF (Projected) is ranked higher than
88% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. SIGI: 0.50 )
SIGI' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 1.35
Current: 0.5

0.17
1.35
Price/Median PS Value 1.00
SIGI's Price/Median PS Value is ranked higher than
82% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. SIGI: 1.00 )
SIGI' s 10-Year Price/Median PS Value Range
Min: 0.53   Max: 1.49
Current: 1

0.53
1.49
Price/Peter Lynch Fair Value 0.60
SIGI's Price/Peter Lynch Fair Value is ranked higher than
95% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SIGI: 0.60 )
SIGI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32   Max: 2.35
Current: 0.6

0.32
2.35
Price/Graham Number 0.80
SIGI's Price/Graham Number is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. SIGI: 0.80 )
SIGI' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.91
Current: 0.8

0.58
1.91
Earnings Yield (Greenblatt) 9.00
SIGI's Earnings Yield (Greenblatt) is ranked higher than
61% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. SIGI: 9.00 )
SIGI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 15.6
Current: 9

0.7
15.6
Forward Rate of Return (Yacktman) 36.91
SIGI's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. SIGI: 36.91 )
SIGI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -0.5   Max: 58
Current: 36.91

-0.5
58

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Selective Insurance Group, Inc. was formed in 1977. It is a holding company that offers property and casualty insurance products and services in the East and Midwest of the United States. The Company is operating two segments: Insurance Operations, which sells property and casualty insurance policies and products; and Investment Operations, which invests the premiums collected by the Insurance Operations. The Company's Insurance Operations includes Property insurance, which generally covers the financial consequences of accidental loss of an insured's real and/or personal property. Property claims are generally reported and settled in a relatively short period of time; Casualty insurance, which generally covers the financial consequences of employee injuries in the course of employment and bodily injury and/or property damage to a third party as a result of an insured's negligent acts, omissions, or legal liabilities. Some casualty claims may take several years to be reported and settled; and Package insurance, which is a combination of property and casualty. Package claims mirror the reporting and settlement time of the underlying portion of coverage. The Company's Investments Operations are based primarily in Parsippany, New Jersey, while certain segments of the portfolio are managed by external investment portfolio managers. Like many other property and casualty insurance companies, the Company depends on income from its investment portfolio for a significant portion of its revenues and earnings. The Company uses reinsurance to protect its capital resources and insure it against losses on property and casualty risks that underwrite. The Company uses two main reinsurance vehicles: (i) a reinsurance pooling agreement between its Insurance Subsidiaries in which each company agrees to share in premiums and losses based on certain specified percentages; and (ii) reinsurance contracts and arrangements that cover various policies that its Insurance Operations issue to insured. It competes with the in Regional insurers, with Cincinnati Financial Corporation, The Hanover Insurance Group, Inc., and Harleysville Group, Inc, in National insurers, with Liberty Mutual Group, Travelers Companies, Inc., The Hartford Financial Services Group, Inc. and Zurich Financial Services Group in Direct insurers, with GEICO and The Progressive Corporation. The Company's Insurance Operations and Investment Operations are heavily regulated by the departments of insurance in the states in which its Insurance Subsidiaries are organized and licensed.

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