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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 lower than
77% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. SIGI: 0.19 )
Ranked among companies with meaningful Equity to Asset only.
SIGI' s 10-Year Equity to Asset Range
Min: 0.16  Med: 0.21 Max: 0.25
Current: 0.19
0.16
0.25
Interest Coverage 8.93
SIGI's Interest Coverage is ranked lower than
75% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. SIGI: 8.93 )
Ranked among companies with meaningful Interest Coverage only.
SIGI' s 10-Year Interest Coverage Range
Min: 0.62  Med: 7.74 Max: 9999.99
Current: 8.93
0.62
9999.99
F-Score: 5
WACC vs ROIC
12.31%
11.14%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 11.41
SIGI's Operating margin (%) is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. SIGI: 11.41 )
Ranked among companies with meaningful Operating margin (%) only.
SIGI' s 10-Year Operating margin (%) Range
Min: 0.71  Med: 7.47 Max: 13.19
Current: 11.41
0.71
13.19
Net-margin (%) 8.14
SIGI's Net-margin (%) is ranked lower than
56% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. SIGI: 8.14 )
Ranked among companies with meaningful Net-margin (%) only.
SIGI' s 10-Year Net-margin (%) Range
Min: 1.38  Med: 5.55 Max: 9.05
Current: 8.14
1.38
9.05
ROE (%) 13.11
SIGI's ROE (%) is ranked higher than
67% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. SIGI: 13.11 )
Ranked among companies with meaningful ROE (%) only.
SIGI' s 10-Year ROE (%) Range
Min: 2.07  Med: 9.13 Max: 15.94
Current: 13.11
2.07
15.94
ROA (%) 2.53
SIGI's ROA (%) is ranked lower than
53% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. SIGI: 2.53 )
Ranked among companies with meaningful ROA (%) only.
SIGI' s 10-Year ROA (%) Range
Min: 0.4  Med: 2.06 Max: 3.58
Current: 2.53
0.4
3.58
Revenue Growth (3Y)(%) 7.00
SIGI's Revenue Growth (3Y)(%) is ranked lower than
52% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. SIGI: 7.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SIGI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -15.6  Med: 4.90 Max: 36.6
Current: 7
-15.6
36.6
EBITDA Growth (3Y)(%) 58.40
SIGI's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. SIGI: 58.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SIGI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -17.30 Max: 58.4
Current: 58.4
0
58.4
EPS Growth (3Y)(%) 82.00
SIGI's EPS Growth (3Y)(%) is ranked higher than
84% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. SIGI: 82.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SIGI' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.1  Med: -1.10 Max: 100.3
Current: 82
-32.1
100.3
» SIGI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SIGI Guru Trades in Q3 2014

Richard Snow 97,385 sh (+112.89%)
Paul Tudor Jones 31,664 sh (+98.99%)
Columbia Wanger 2,643,000 sh (unchged)
NWQ Managers Sold Out
» More
Q4 2014

SIGI Guru Trades in Q4 2014

Jim Simons 121,111 sh (New)
Richard Snow 150,785 sh (+54.83%)
Paul Tudor Jones 35,607 sh (+12.45%)
Columbia Wanger 720,486 sh (-72.74%)
» More
Q1 2015

SIGI Guru Trades in Q1 2015

James Barrow 52,350 sh (New)
Chuck Royce 8,800 sh (New)
David Dreman 4,732 sh (New)
Jim Simons 152,594 sh (+26.00%)
Paul Tudor Jones 37,348 sh (+4.89%)
Columbia Wanger Sold Out
Richard Snow 146,620 sh (-2.76%)
» More
Q2 2015

SIGI Guru Trades in Q2 2015

Richard Snow 251,105 sh (+71.26%)
David Dreman 5,122 sh (+8.24%)
James Barrow 55,181 sh (+5.41%)
Chuck Royce 8,800 sh (unchged)
Paul Tudor Jones 36,243 sh (-2.96%)
Jim Simons 25,900 sh (-83.03%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.19
SIGI's P/E(ttm) is ranked higher than
65% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. SIGI: 10.19 )
Ranked among companies with meaningful P/E(ttm) only.
SIGI' s 10-Year P/E(ttm) Range
Min: 5.22  Med: 12.21 Max: 5473.33
Current: 10.19
5.22
5473.33
Forward P/E 11.95
SIGI's Forward P/E is ranked higher than
61% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. SIGI: 11.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.50
SIGI's PE(NRI) is ranked higher than
65% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. SIGI: 10.50 )
Ranked among companies with meaningful PE(NRI) only.
SIGI' s 10-Year PE(NRI) Range
Min: 5.29  Med: 11.93 Max: 91.22
Current: 10.5
5.29
91.22
P/B 1.31
SIGI's P/B is ranked lower than
57% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. SIGI: 1.31 )
Ranked among companies with meaningful P/B only.
SIGI' s 10-Year P/B Range
Min: 0.62  Med: 1.14 Max: 1.71
Current: 1.31
0.62
1.71
P/S 0.83
SIGI's P/S is ranked higher than
67% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. SIGI: 0.83 )
Ranked among companies with meaningful P/S only.
SIGI' s 10-Year P/S Range
Min: 0.37  Med: 0.69 Max: 1.1
Current: 0.83
0.37
1.1
PFCF 5.58
SIGI's PFCF is ranked higher than
79% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. SIGI: 5.58 )
Ranked among companies with meaningful PFCF only.
SIGI' s 10-Year PFCF Range
Min: 2.32  Med: 4.72 Max: 9.91
Current: 5.58
2.32
9.91
POCF 5.29
SIGI's POCF is ranked higher than
78% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. SIGI: 5.29 )
Ranked among companies with meaningful POCF only.
SIGI' s 10-Year POCF Range
Min: 2.25  Med: 4.54 Max: 8.58
Current: 5.29
2.25
8.58
EV-to-EBIT 7.50
SIGI's EV-to-EBIT is ranked higher than
58% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. SIGI: 7.50 )
Ranked among companies with meaningful EV-to-EBIT only.
SIGI' s 10-Year EV-to-EBIT Range
Min: -133  Med: 11.10 Max: 149.2
Current: 7.5
-133
149.2
PEG 0.49
SIGI's PEG is ranked higher than
67% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. SIGI: 0.49 )
Ranked among companies with meaningful PEG only.
SIGI' s 10-Year PEG Range
Min: 0.19  Med: 0.51 Max: 82.31
Current: 0.49
0.19
82.31
Shiller P/E 20.24
SIGI's Shiller P/E is ranked lower than
69% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. SIGI: 20.24 )
Ranked among companies with meaningful Shiller P/E only.
SIGI' s 10-Year Shiller P/E Range
Min: 4.13  Med: 11.84 Max: 28.06
Current: 20.24
4.13
28.06
Days Sales Outstanding 114.48
SIGI's Days Sales Outstanding is ranked lower than
67% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. SIGI: 114.48 )
Ranked among companies with meaningful Days Sales Outstanding only.
SIGI' s 10-Year Days Sales Outstanding Range
Min: 68.94  Med: 102.50 Max: 116.5
Current: 114.48
68.94
116.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.87
SIGI's Dividend Yield is ranked lower than
97% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. SIGI: 1.87 )
Ranked among companies with meaningful Dividend Yield only.
SIGI' s 10-Year Dividend Yield Range
Min: 1.31  Med: 2.21 Max: 4.9
Current: 1.87
1.31
4.9
Dividend Payout 0.19
SIGI's Dividend Payout is ranked higher than
76% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. SIGI: 0.19 )
Ranked among companies with meaningful Dividend Payout only.
SIGI' s 10-Year Dividend Payout Range
Min: 0.04  Med: 0.29 Max: 13
Current: 0.19
0.04
13
Dividend growth (3y) 0.60
SIGI's Dividend growth (3y) is ranked lower than
77% of the 77 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. SIGI: 0.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
SIGI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 2.00 Max: 12.4
Current: 0.6
0
12.4
Yield on cost (5-Year) 1.89
SIGI's Yield on cost (5-Year) is ranked lower than
103% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. SIGI: 1.89 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SIGI' s 10-Year Yield on cost (5-Year) Range
Min: 1.33  Med: 2.24 Max: 4.97
Current: 1.89
1.33
4.97
Share Buyback Rate -1.30
SIGI's Share Buyback Rate is ranked lower than
59% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. SIGI: -1.30 )
Ranked among companies with meaningful Share Buyback Rate only.
SIGI' s 10-Year Share Buyback Rate Range
Min: 22.5  Med: 1.60 Max: -34
Current: -1.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
SIGI's Price/Tangible Book is ranked higher than
53% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. SIGI: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
SIGI' s 10-Year Price/Tangible Book Range
Min: 0.66  Med: 1.14 Max: 1.68
Current: 1.31
0.66
1.68
Price/Projected FCF 0.55
SIGI's Price/Projected FCF is ranked higher than
64% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. SIGI: 0.55 )
Ranked among companies with meaningful Price/Projected FCF only.
SIGI' s 10-Year Price/Projected FCF Range
Min: 0.17  Med: 0.41 Max: 1.35
Current: 0.55
0.17
1.35
Price/Median PS Value 1.21
SIGI's Price/Median PS Value is ranked lower than
71% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. SIGI: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
SIGI' s 10-Year Price/Median PS Value Range
Min: 0.54  Med: 0.91 Max: 1.51
Current: 1.21
0.54
1.51
Price/Peter Lynch Fair Value 0.41
SIGI's Price/Peter Lynch Fair Value is ranked higher than
77% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.58 vs. SIGI: 0.41 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SIGI' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.32  Med: 0.64 Max: 2.91
Current: 0.41
0.32
2.91
Price/Graham Number 0.77
SIGI's Price/Graham Number is ranked higher than
55% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. SIGI: 0.77 )
Ranked among companies with meaningful Price/Graham Number only.
SIGI' s 10-Year Price/Graham Number Range
Min: 0.57  Med: 0.82 Max: 1.91
Current: 0.77
0.57
1.91
Earnings Yield (Greenblatt) (%) 13.34
SIGI's Earnings Yield (Greenblatt) (%) is ranked higher than
64% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. SIGI: 13.34 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SIGI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.7  Med: 8.80 Max: 18.2
Current: 13.34
0.7
18.2
Forward Rate of Return (Yacktman) (%) 39.66
SIGI's Forward Rate of Return (Yacktman) (%) is ranked higher than
77% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. SIGI: 39.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SIGI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.3  Med: 27.30 Max: 63.7
Current: 39.66
1.3
63.7

Analyst Estimate

Dec15 Dec16
EPS($) 2.40 2.50
EPS without NRI($) 2.40 2.50

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
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.
» More Articles for SIGI

Headlines

Articles On GuruFocus.com
Diamond Hill Capital’s Biggest Fourth Quarter New Buys Jan 20 2012 
Selective Insurance Group, Inc. Plans Conference Call on 4th Quarter 2008 Results Thursday, January Jan 07 2009 

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