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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Equity-to-Asset 0.22
NAS:SIGI's Equity-to-Asset is ranked lower than
70% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. NAS:SIGI: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:SIGI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.21 Max: 0.25
Current: 0.22
0.16
0.25
Interest Coverage 10.13
NAS:SIGI's Interest Coverage is ranked lower than
68% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. NAS:SIGI: 10.13 )
Ranked among companies with meaningful Interest Coverage only.
NAS:SIGI' s Interest Coverage Range Over the Past 10 Years
Min: 0.62  Med: 4.93 Max: 10.38
Current: 10.13
0.62
10.38
WACC vs ROIC
9.55%
9.71%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating Margin % 10.10
NAS:SIGI's Operating Margin % is ranked higher than
53% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. NAS:SIGI: 10.10 )
Ranked among companies with meaningful Operating Margin % only.
NAS:SIGI' s Operating Margin % Range Over the Past 10 Years
Min: 0.71  Med: 6.4 Max: 10.92
Current: 10.1
0.71
10.92
Net Margin % 7.37
NAS:SIGI's Net Margin % is ranked lower than
52% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.16 vs. NAS:SIGI: 7.37 )
Ranked among companies with meaningful Net Margin % only.
NAS:SIGI' s Net Margin % Range Over the Past 10 Years
Min: 1.38  Med: 4.89 Max: 7.93
Current: 7.37
1.38
7.93
ROE % 11.12
NAS:SIGI's ROE % is ranked higher than
62% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. NAS:SIGI: 11.12 )
Ranked among companies with meaningful ROE % only.
NAS:SIGI' s ROE % Range Over the Past 10 Years
Min: 2.07  Med: 7.9 Max: 13.61
Current: 11.12
2.07
13.61
ROA % 2.37
NAS:SIGI's ROA % is ranked higher than
50% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.21 vs. NAS:SIGI: 2.37 )
Ranked among companies with meaningful ROA % only.
NAS:SIGI' s ROA % Range Over the Past 10 Years
Min: 0.4  Med: 1.45 Max: 3
Current: 2.37
0.4
3
3-Year Revenue Growth Rate 5.10
NAS:SIGI's 3-Year Revenue Growth Rate is ranked lower than
51% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.60 vs. NAS:SIGI: 5.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:SIGI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -15.6  Med: 5.7 Max: 36.6
Current: 5.1
-15.6
36.6
3-Year EBITDA Growth Rate 11.30
NAS:SIGI's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. NAS:SIGI: 11.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NAS:SIGI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.5  Med: 3.3 Max: 87.9
Current: 11.3
-27.5
87.9
3-Year EPS without NRI Growth Rate 12.60
NAS:SIGI's 3-Year EPS without NRI Growth Rate is ranked higher than
77% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. NAS:SIGI: 12.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:SIGI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -32.1  Med: 0.9 Max: 100.3
Current: 12.6
-32.1
100.3
GuruFocus has detected 4 Warning Signs with Selective Insurance Group Inc $NAS:SIGI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:SIGI's 10-Y Financials

Financials (Next Earnings Date: 2017-05-03 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SIGI Guru Trades in Q1 2016

David Dreman 229 sh (New)
Chuck Royce 28,078 sh (+219.07%)
Jeremy Grantham 99,700 sh (+17.71%)
Jim Simons 187,994 sh (+14.98%)
Richard Snow Sold Out
Paul Tudor Jones 18,873 sh (-51.38%)
» More
Q2 2016

SIGI Guru Trades in Q2 2016

Jeremy Grantham 111,312 sh (+11.65%)
David Dreman 229 sh (unchged)
Chuck Royce 28,078 sh (unchged)
Jim Simons 106,900 sh (-43.14%)
Paul Tudor Jones 9,900 sh (-47.54%)
» More
Q3 2016

SIGI Guru Trades in Q3 2016

Chuck Royce 28,078 sh (unchged)
David Dreman 229 sh (unchged)
Paul Tudor Jones 5,200 sh (-47.47%)
Jim Simons 17,300 sh (-83.82%)
Jeremy Grantham 17,792 sh (-84.02%)
» More
Q4 2016

SIGI Guru Trades in Q4 2016

David Dreman 11,073 sh (+4735.37%)
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Chuck Royce 27,078 sh (-3.56%)
Jeremy Grantham 10,755 sh (-39.55%)
» More
» Details

Insider Trades

Latest Guru Trades with SIGI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:OTCPK:BZLYF, NYSE:RLI, NAS:NGHC, OTCPK:ELFIF, NAS:AFSI, NAS:ANAT, NYSE:PRA, OTCPK:GCNJF, NYSE:MCY, NAS:AGII, NYSE:THG, NYSE:WTM, NAS:NAVG, NAS:JRVR, NAS:AMSF, NAS:STFC, NYSE:MBI, NAS:UFCS, NAS:SAFT, NAS:IPCC » details
Traded in other countries:SV2.Germany,
Headquarter Location:USA
Selective Insurance Group Inc is a holding company that offers property and casualty insurance products and services in United States. It offers standard commercial, standard personal, and excess and surplus lines property & casualty insurance products.

Selective Insurance Group is a regional property-casualty insurer based in New Jersey, with most of its operations focused in the New York metropolitan area. Since 1977, Selective has focused its sales efforts primarily on small businesses, offering commercial products that include workers' compensation, general liability, property, and auto insurance. Selective also has a small personal insurance segment (under 20% of total premiums), selling auto and homeowner's coverage.

Ratios

vs
industry
vs
history
PE Ratio 18.08
SIGI's PE Ratio is ranked lower than
59% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.99 vs. SIGI: 18.08 )
Ranked among companies with meaningful PE Ratio only.
SIGI' s PE Ratio Range Over the Past 10 Years
Min: 7.48  Med: 13.44 Max: 1642
Current: 18.08
7.48
1642
Forward PE Ratio 17.67
SIGI's Forward PE Ratio is ranked lower than
74% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.71 vs. SIGI: 17.67 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.08
SIGI's PE Ratio without NRI is ranked lower than
58% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.11 vs. SIGI: 18.08 )
Ranked among companies with meaningful PE Ratio without NRI only.
SIGI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.48  Med: 13.1 Max: 91.22
Current: 18.08
7.48
91.22
Price-to-Owner-Earnings 10.12
SIGI's Price-to-Owner-Earnings is ranked higher than
62% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.49 vs. SIGI: 10.12 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SIGI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.71  Med: 7.15 Max: 32.84
Current: 10.12
3.71
32.84
PB Ratio 1.96
SIGI's PB Ratio is ranked lower than
72% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. SIGI: 1.96 )
Ranked among companies with meaningful PB Ratio only.
SIGI' s PB Ratio Range Over the Past 10 Years
Min: 0.62  Med: 1.14 Max: 1.97
Current: 1.96
0.62
1.97
PS Ratio 1.32
SIGI's PS Ratio is ranked lower than
53% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. SIGI: 1.32 )
Ranked among companies with meaningful PS Ratio only.
SIGI' s PS Ratio Range Over the Past 10 Years
Min: 0.37  Med: 0.7 Max: 1.33
Current: 1.32
0.37
1.33
Price-to-Free-Cash-Flow 9.82
SIGI's Price-to-Free-Cash-Flow is ranked higher than
57% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. SIGI: 9.82 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SIGI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.32  Med: 5.02 Max: 9.9
Current: 9.82
2.32
9.9
Price-to-Operating-Cash-Flow 9.24
SIGI's Price-to-Operating-Cash-Flow is ranked higher than
56% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. SIGI: 9.24 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SIGI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.25  Med: 4.77 Max: 9.3
Current: 9.24
2.25
9.3
EV-to-EBIT 11.30
SIGI's EV-to-EBIT is ranked lower than
59% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.44 vs. SIGI: 11.30 )
Ranked among companies with meaningful EV-to-EBIT only.
SIGI' s EV-to-EBIT Range Over the Past 10 Years
Min: -99.7  Med: 9.4 Max: 87.5
Current: 11.3
-99.7
87.5
EV-to-EBITDA 9.19
SIGI's EV-to-EBITDA is ranked lower than
53% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. SIGI: 9.19 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIGI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 7.6 Max: 52.4
Current: 9.19
4.9
52.4
PEG Ratio 0.49
SIGI's PEG Ratio is ranked higher than
78% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.89 vs. SIGI: 0.49 )
Ranked among companies with meaningful PEG Ratio only.
SIGI' s PEG Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.45 Max: 6.88
Current: 0.49
0.27
6.88
Shiller PE Ratio 30.20
SIGI's Shiller PE Ratio is ranked lower than
90% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.57 vs. SIGI: 30.20 )
Ranked among companies with meaningful Shiller PE Ratio only.
SIGI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.25  Med: 11.25 Max: 30.34
Current: 30.2
5.25
30.34

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.19
SIGI's Dividend Yield % is ranked lower than
93% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.81 vs. SIGI: 1.19 )
Ranked among companies with meaningful Dividend Yield % only.
SIGI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.17  Med: 2.22 Max: 4.9
Current: 1.19
1.17
4.9
Dividend Payout Ratio 0.23
SIGI's Dividend Payout Ratio is ranked higher than
87% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. SIGI: 0.23 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SIGI' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.34 Max: 1.27
Current: 0.23
0.19
1.27
3-Year Dividend Growth Rate 5.50
SIGI's 3-Year Dividend Growth Rate is ranked lower than
73% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. SIGI: 5.50 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SIGI' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 2.3 Max: 15.2
Current: 5.5
0
15.2
Forward Dividend Yield % 1.31
SIGI's Forward Dividend Yield % is ranked lower than
93% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. SIGI: 1.31 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.38
SIGI's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.36 vs. SIGI: 1.38 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SIGI' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.37  Med: 2.6 Max: 5.74
Current: 1.38
1.37
5.74
3-Year Average Share Buyback Ratio -1.20
SIGI's 3-Year Average Share Buyback Ratio is ranked lower than
61% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. SIGI: -1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SIGI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -2.8  Med: -1.2 Max: 5
Current: -1.2
-2.8
5

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.97
SIGI's Price-to-Tangible-Book is ranked lower than
60% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. SIGI: 1.97 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SIGI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.66  Med: 1.12 Max: 1.98
Current: 1.97
0.66
1.98
Price-to-Intrinsic-Value-Projected-FCF 0.82
SIGI's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
54% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. SIGI: 0.82 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SIGI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.37 Max: 0.83
Current: 0.82
0.16
0.83
Price-to-Median-PS-Value 1.89
SIGI's Price-to-Median-PS-Value is ranked lower than
90% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. SIGI: 1.89 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SIGI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.47  Med: 0.85 Max: 1.91
Current: 1.89
0.47
1.91
Price-to-Peter-Lynch-Fair-Value 0.72
SIGI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
66% of the 32 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. SIGI: 0.72 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
SIGI' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.22  Med: 0.64 Max: 3.08
Current: 0.72
0.22
3.08
Price-to-Graham-Number 1.26
SIGI's Price-to-Graham-Number is ranked lower than
59% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. SIGI: 1.26 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SIGI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.42  Med: 0.74 Max: 1.82
Current: 1.26
0.42
1.82
Earnings Yield (Greenblatt) % 8.84
SIGI's Earnings Yield (Greenblatt) % is ranked lower than
58% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.58 vs. SIGI: 8.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SIGI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.1  Med: 10.6 Max: 18.2
Current: 8.84
1.1
18.2
Forward Rate of Return (Yacktman) % 45.05
SIGI's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.92 vs. SIGI: 45.05 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SIGI' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 1.7  Med: 33.25 Max: 57.6
Current: 45.05
1.7
57.6

More Statistics

Revenue (TTM) (Mil) $2,333
EPS (TTM) $ 2.92
Beta1.34
Short Percentage of Float1.34%
52-Week Range $34.09 - 53.75
Shares Outstanding (Mil)58.25

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 2,497 2,665
EPS ($) 2.77 2.88
EPS without NRI ($) 2.77 2.88
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.64 0.64
» More Articles for SIGI

Headlines

Articles On GuruFocus.com
Selective Reports First Quarter 2017 Net Income per Diluted Share of $0.85 and Operating Income(1) p Apr 26 2017 
Lights, Camera, Action: Selective Shines a Spotlight on Small Businesses Apr 11 2017 
Selective Insurance Group, Inc. Schedules Earnings Release and Conference Call to Announce 1st Quart Apr 07 2017 
Diamond Hill Capital’s Biggest Fourth Quarter New Buys Jan 20 2012 

More From Other Websites
Edited Transcript of SIGI earnings conference call or presentation 27-Apr-17 12:30pm GMT Apr 28 2017
Selective Insurance posts 1Q profit Apr 26 2017
Selective Reports First Quarter 2017 Net Income per Diluted Share of $0.85 and Operating Income(1)... Apr 26 2017
Insure your Portfolio with 4 Stocks Set for Q1 Earnings Beat Apr 24 2017
Will Aflac (AFL) Q1 Earnings Gain on Product Mix Change? Apr 24 2017
Selective Insurance Group, Inc. breached its 50 day moving average in a Bullish Manner : SIGI-US :... Apr 18 2017
Lights, Camera, Action: Selective Shines a Spotlight on Small Businesses Apr 11 2017
Selective Insurance Group, Inc. breached its 50 day moving average in a Bearish Manner : SIGI-US :... Apr 07 2017
Selective Insurance Group, Inc. Schedules Earnings Release and Conference Call to Announce 1st... Apr 07 2017
Why You Should Hold onto Assurant (AIZ) Stock Right Now Mar 27 2017
Selective Insurance Group, Inc. : SIGI-US: Dividend Analysis : February 15th, 2017 (record date) :... Mar 23 2017
Chubb (CB) Enhances its Workers' Compensation Capabilities Mar 21 2017
AIG's Peter Hancock Resigns Amid Dwindling Support Mar 10 2017
The Hartford's $500 Million Debentures Rated by A.M Best Mar 08 2017
Marsh&McLennan Unit Boosts Growth with Blakestad Buyout Mar 03 2017
Selective Insurance Group Announces Officer Appointments Mar 02 2017
The Zacks Analyst Blog Highlights: Bank of America, Eagle Bancorp Montana, Principal Financial... Feb 16 2017
Yellen Increases Odds of March Rate Hike: 5 Top Winners Feb 15 2017
Is Selective Insurance a Great Stock for Value Investors? Feb 14 2017
Selective Insurance Group, Inc. :SIGI-US: Earnings Analysis: 2016 By the Numbers : February 8, 2017 Feb 08 2017

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