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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
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 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 10.75
NAS:SIGI's Interest Coverage is ranked lower than
70% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 46.58 vs. NAS:SIGI: 10.75 )
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: 10.75
Current: 10.75
0.62
10.75
F-Score: 5
WACC vs ROIC
10.90%
10.51%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 11.05
NAS:SIGI's Operating margin (%) is ranked higher than
59% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.52 vs. NAS:SIGI: 11.05 )
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: 12.2
Current: 11.05
0.71
12.2
Net-margin (%) 7.84
NAS:SIGI's Net-margin (%) is ranked higher than
55% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.93 vs. NAS:SIGI: 7.84 )
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: 9.05
Current: 7.84
1.38
9.05
ROE (%) 12.19
NAS:SIGI's ROE (%) is ranked higher than
67% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.02 vs. NAS:SIGI: 12.19 )
Ranked among companies with meaningful ROE (%) only.
NAS:SIGI' s ROE (%) Range Over the Past 10 Years
Min: 2.07  Med: 7.9 Max: 15.89
Current: 12.19
2.07
15.89
ROA (%) 2.49
NAS:SIGI's ROA (%) is ranked higher than
54% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.15 vs. NAS:SIGI: 2.49 )
Ranked among companies with meaningful ROA (%) only.
NAS:SIGI' s ROA (%) Range Over the Past 10 Years
Min: 0.4  Med: 1.45 Max: 3.58
Current: 2.49
0.4
3.58
Revenue Growth (3Y)(%) 5.70
NAS:SIGI's Revenue Growth (3Y)(%) is ranked lower than
53% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.20 vs. NAS:SIGI: 5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:SIGI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.6  Med: 5.3 Max: 36.6
Current: 5.7
-15.6
36.6
EBITDA Growth (3Y)(%) 47.10
NAS:SIGI's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.10 vs. NAS:SIGI: 47.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:SIGI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -27.5  Med: 2.3 Max: 87.9
Current: 47.1
-27.5
87.9
EPS Growth (3Y)(%) 61.20
NAS:SIGI's EPS Growth (3Y)(%) is ranked higher than
91% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.30 vs. NAS:SIGI: 61.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:SIGI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.1  Med: 0.9 Max: 100.3
Current: 61.2
-32.1
100.3
» NAS:SIGI's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-29)


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

» Details

Guru Trades

Q3 2015

SIGI Guru Trades in Q3 2015

Jeremy Grantham 28,200 sh (New)
Jim Simons 62,294 sh (+140.52%)
Chuck Royce 8,800 sh (unchged)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Richard Snow 160,253 sh (-36.18%)
Paul Tudor Jones 10,722 sh (-70.42%)
David Dreman 584 sh (-88.60%)
» More
Q4 2015

SIGI Guru Trades in Q4 2015

Paul Tudor Jones 38,821 sh (+262.07%)
Jeremy Grantham 84,700 sh (+200.35%)
Jim Simons 163,507 sh (+162.48%)
Chuck Royce 8,800 sh (unchged)
David Dreman Sold Out
Richard Snow 150,493 sh (-6.09%)
» More
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
» 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
Compare:NAS:NGHC, OTCPK:ELFIF, NYSE:PRA, NYSE:RLI, NAS:AGII, NYSE:MCY, NYSE:THG, NAS:ANAT, NAS:NAVG, NYSE:AWH, NAS:AMSF, NAS:UFCS, NYSE:STC, NYSE:MBI, NAS:JRVR, NAS:SAFT, NAS:STFC, NAS:IPCC, NYSE:UVE, NAS:NATL » details
Traded in other countries:SV2.Germany,
Selective Insurance Group, inc. is a holding company that offers property and casualty insurance products and services in United States.

Selective Insurance Group Inc is a New Jersey holding company that was incorporated in 1977. The Company offers property and casualty insurance products and services in the East and Midwest of the United States. It is operating in 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. 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, Erie Indemnity Company, abd The Hanover Insurance Group, Inc., and in National insurers, with Liberty Mutual Group, Travelers Companies, Inc., The Hartford Financial Services Group, Inc. Nationwide Mutual Insurance Company; 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.

Ratios

vs
industry
vs
history
P/E(ttm) 13.56
SIGI's P/E(ttm) is ranked higher than
55% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.03 vs. SIGI: 13.56 )
Ranked among companies with meaningful P/E(ttm) only.
SIGI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.44  Med: 12.86 Max: 1642
Current: 13.56
5.44
1642
Forward P/E 15.02
SIGI's Forward P/E is ranked lower than
70% of the 44 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.02 vs. SIGI: 15.02 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.56
SIGI's PE(NRI) is ranked higher than
55% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.31 vs. SIGI: 13.56 )
Ranked among companies with meaningful PE(NRI) only.
SIGI' s PE(NRI) Range Over the Past 10 Years
Min: 5.54  Med: 12.6 Max: 91.22
Current: 13.56
5.54
91.22
Price/Owner Earnings (ttm) 9.50
SIGI's Price/Owner Earnings (ttm) is ranked higher than
63% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.88 vs. SIGI: 9.50 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
SIGI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.71  Med: 7.19 Max: 32.84
Current: 9.5
3.71
32.84
P/B 1.51
SIGI's P/B is ranked lower than
67% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.15 vs. SIGI: 1.51 )
Ranked among companies with meaningful P/B only.
SIGI' s P/B Range Over the Past 10 Years
Min: 0.62  Med: 1.14 Max: 1.71
Current: 1.51
0.62
1.71
P/S 1.07
SIGI's P/S is ranked lower than
52% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. SIGI: 1.07 )
Ranked among companies with meaningful P/S only.
SIGI' s P/S Range Over the Past 10 Years
Min: 0.37  Med: 0.7 Max: 1.1
Current: 1.07
0.37
1.1
PFCF 8.98
SIGI's PFCF is ranked higher than
50% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.12 vs. SIGI: 8.98 )
Ranked among companies with meaningful PFCF only.
SIGI' s PFCF Range Over the Past 10 Years
Min: 2.32  Med: 4.73 Max: 9.87
Current: 8.98
2.32
9.87
POCF 8.43
SIGI's POCF is ranked lower than
51% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.54 vs. SIGI: 8.43 )
Ranked among companies with meaningful POCF only.
SIGI' s POCF Range Over the Past 10 Years
Min: 2.25  Med: 4.52 Max: 8.57
Current: 8.43
2.25
8.57
EV-to-EBIT 9.32
SIGI's EV-to-EBIT is ranked higher than
53% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.89 vs. SIGI: 9.32 )
Ranked among companies with meaningful EV-to-EBIT only.
SIGI' s EV-to-EBIT Range Over the Past 10 Years
Min: -99.7  Med: 9.1 Max: 87.5
Current: 9.32
-99.7
87.5
EV-to-EBITDA 7.60
SIGI's EV-to-EBITDA is ranked higher than
64% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.22 vs. SIGI: 7.60 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIGI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 7.5 Max: 52.4
Current: 7.6
4.9
52.4
PEG 0.47
SIGI's PEG is ranked higher than
76% of the 54 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.92 vs. SIGI: 0.47 )
Ranked among companies with meaningful PEG only.
SIGI' s PEG Range Over the Past 10 Years
Min: 0.15  Med: 0.43 Max: 6.93
Current: 0.47
0.15
6.93
Shiller P/E 22.94
SIGI's Shiller P/E is ranked lower than
84% of the 57 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 18.01 vs. SIGI: 22.94 )
Ranked among companies with meaningful Shiller P/E only.
SIGI' s Shiller P/E Range Over the Past 10 Years
Min: 5.25  Med: 10.88 Max: 23.29
Current: 22.94
5.25
23.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
SIGI's Dividend Yield is ranked lower than
89% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. SIGI: 1.50 )
Ranked among companies with meaningful Dividend Yield only.
SIGI' s Dividend Yield Range Over the Past 10 Years
Min: 1.31  Med: 2.21 Max: 4.9
Current: 1.5
1.31
4.9
Dividend Payout 0.20
SIGI's Dividend Payout is ranked higher than
75% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.38 vs. SIGI: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
SIGI' s Dividend Payout Range Over the Past 10 Years
Min: 0.04  Med: 0.26 Max: 13
Current: 0.2
0.04
13
Dividend Growth (3y) 3.10
SIGI's Dividend Growth (3y) is ranked lower than
76% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.00 vs. SIGI: 3.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SIGI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 2.3 Max: 12.4
Current: 3.1
0
12.4
Forward Dividend Yield 1.51
SIGI's Forward Dividend Yield is ranked lower than
89% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. SIGI: 1.51 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.62
SIGI's Yield on cost (5-Year) is ranked lower than
99.99% of the 185 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.67 vs. SIGI: 1.62 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SIGI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.41  Med: 2.38 Max: 5.28
Current: 1.62
1.41
5.28
3-Year Average Share Buyback Ratio -1.30
SIGI's 3-Year Average Share Buyback Ratio is ranked lower than
66% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.20 vs. SIGI: -1.30 )
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 Max: 5
Current: -1.3
-2.8
5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.49
SIGI's Price/Tangible Book is ranked lower than
57% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.44 vs. SIGI: 1.49 )
Ranked among companies with meaningful Price/Tangible Book only.
SIGI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.66  Med: 1.17 Max: 1.68
Current: 1.49
0.66
1.68
Price/Projected FCF 0.67
SIGI's Price/Projected FCF is ranked higher than
60% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. SIGI: 0.67 )
Ranked among companies with meaningful Price/Projected FCF only.
SIGI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.39 Max: 1.35
Current: 0.67
0.16
1.35
Price/Median PS Value 1.51
SIGI's Price/Median PS Value is ranked lower than
89% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.01 vs. SIGI: 1.51 )
Ranked among companies with meaningful Price/Median PS Value only.
SIGI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.53  Med: 0.95 Max: 1.53
Current: 1.51
0.53
1.53
Price/Peter Lynch Fair Value 0.54
SIGI's Price/Peter Lynch Fair Value is ranked higher than
73% of the 33 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.70 vs. SIGI: 0.54 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SIGI' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.22  Med: 0.55 Max: 3.08
Current: 0.54
0.22
3.08
Price/Graham Number 0.95
SIGI's Price/Graham Number is ranked higher than
50% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.96 vs. SIGI: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
SIGI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.49  Med: 0.77 Max: 1.82
Current: 0.95
0.49
1.82
Earnings Yield (Greenblatt) (%) 10.76
SIGI's Earnings Yield (Greenblatt) (%) is ranked higher than
61% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.00 vs. SIGI: 10.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SIGI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.1  Med: 10.9 Max: 18.2
Current: 10.76
1.1
18.2
Forward Rate of Return (Yacktman) (%) 51.13
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: 14.03 vs. SIGI: 51.13 )
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: 33.7 Max: 56.5
Current: 51.13
1.7
56.5

More Statistics

Revenue (TTM) (Mil) $2,206
EPS (TTM) $ 2.95
Beta1.38
Short Percentage of Float1.42%
52-Week Range $29.27 - 41.30
Shares Outstanding (Mil)57.81

Analyst Estimate

Dec16 Dec17
Revenue (Mil $)
EPS ($) 2.75 2.65
EPS w/o NRI ($) 2.75 2.65
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS:SIGI

Headlines

Articles On GuruFocus.com
Diamond Hill Capital’s Biggest Fourth Quarter New Buys Jan 20 2012 

More From Other Websites
Statement of changes in beneficial ownership of securities Sep 19 2016
Selective Insurance Group, Inc. breached its 50 day moving average in a Bearish Manner : SIGI-US :... Sep 19 2016
Statement of changes in beneficial ownership of securities Sep 15 2016
Statement of changes in beneficial ownership of securities Sep 07 2016
Report of unscheduled material events or corporate changes. Sep 06 2016
SELECTIVE INSURANCE GROUP INC Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 06 2016
Statement of changes in beneficial ownership of securities Sep 02 2016
Statement of changes in beneficial ownership of securities Aug 26 2016
Selective to Speak at the Keefe, Bruyette & Woods 2016 Insurance Conference Aug 26 2016
ETF’s with exposure to Selective Insurance Group, Inc. : August 26, 2016 Aug 26 2016
Selective Insurance Group, Inc. breached its 50 day moving average in a Bullish Manner : SIGI-US :... Aug 25 2016
Fitch Affirms Selective Insurance's Ratings; Outlook Stable Aug 24 2016
Statement of changes in beneficial ownership of securities Aug 18 2016
A.M. Best Affirms Ratings of Selective Insurance Group, Inc. and Its Subsidiaries Aug 17 2016
Selective Insurance and its Affiliates Get Rated by A.M. Best Aug 17 2016
A.M. Best Affirms Ratings of Selective Insurance Group, Inc. and Its Subsidiaries Aug 16 2016
Statement of changes in beneficial ownership of securities Aug 15 2016
Statement of changes in beneficial ownership of securities Aug 11 2016
Selective Insurance Group Announces Officer Appointments Aug 10 2016
Selective Insurance Group Announces Officer Appointments Aug 10 2016

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