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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 : 4/10

vs
industry
vs
history
Equity-to-Asset 0.22
SIGI's Equity-to-Asset is ranked lower than
66% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. SIGI: 0.22 )
Ranked among companies with meaningful Equity-to-Asset only.
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
Debt-to-Equity 0.26
SIGI's Debt-to-Equity is ranked lower than
57% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SIGI: 0.26 )
Ranked among companies with meaningful Debt-to-Equity only.
SIGI' s Debt-to-Equity Range Over the Past 10 Years
Min: 0  Med: 0.27 Max: 0.4
Current: 0.26
0
0.4
Debt-to-EBITDA 1.36
SIGI's Debt-to-EBITDA is ranked higher than
62% of the 79 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.72 vs. SIGI: 1.36 )
Ranked among companies with meaningful Debt-to-EBITDA only.
SIGI' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.2  Med: 1.91 Max: 4.78
Current: 1.36
1.2
4.78
Interest Coverage 10.13
SIGI's Interest Coverage is ranked lower than
73% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 32.00 vs. SIGI: 10.13 )
Ranked among companies with meaningful Interest Coverage only.
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
9.29%
9.64%
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 % 10.09
SIGI's Operating Margin % is ranked higher than
53% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.38 vs. SIGI: 10.09 )
Ranked among companies with meaningful Operating Margin % only.
SIGI' s Operating Margin % Range Over the Past 10 Years
Min: 0.71  Med: 6.4 Max: 10.92
Current: 10.09
0.71
10.92
Net Margin % 7.36
SIGI's Net Margin % is ranked higher than
51% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.02 vs. SIGI: 7.36 )
Ranked among companies with meaningful Net Margin % only.
SIGI' s Net Margin % Range Over the Past 10 Years
Min: 1.38  Med: 4.89 Max: 7.93
Current: 7.36
1.38
7.93
ROE % 11.05
SIGI's ROE % is ranked higher than
56% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.09 vs. SIGI: 11.05 )
Ranked among companies with meaningful ROE % only.
SIGI' s ROE % Range Over the Past 10 Years
Min: 2.07  Med: 7.9 Max: 13.61
Current: 11.05
2.07
13.61
ROA % 2.37
SIGI's ROA % is ranked higher than
54% of the 136 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.13 vs. SIGI: 2.37 )
Ranked among companies with meaningful ROA % only.
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
SIGI's 3-Year Revenue Growth Rate is ranked lower than
54% of the 132 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.10 vs. SIGI: 5.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
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
SIGI's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. SIGI: 11.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
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
SIGI's 3-Year EPS without NRI Growth Rate is ranked higher than
73% of the 116 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. SIGI: 12.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
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 SIGI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SIGI's 30-Y Financials

Financials (Next Earnings Date: 2018-02-02)


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

» Details

Guru Trades

Q4 2016

SIGI Guru Trades in Q4 2016

David Dreman 11,073 sh (+4735.37%)
Jim Simons Sold Out
Paul Tudor Jones Sold Out
Chuck Royce 27,078 sh (-3.56%)
Jeremy Grantham 10,755 sh (-39.55%)
» More
Q1 2017

SIGI Guru Trades in Q1 2017

David Dreman 11,073 sh (unchged)
Chuck Royce 27,078 sh (unchged)
Jeremy Grantham 5,412 sh (-49.68%)
» More
Q2 2017

SIGI Guru Trades in Q2 2017

Chuck Royce 27,078 sh (unchged)
Jeremy Grantham 4,412 sh (-18.48%)
David Dreman 717 sh (-93.52%)
» More
Q3 2017

SIGI Guru Trades in Q3 2017

Jeremy Grantham 4,412 sh (unchged)
David Dreman 717 sh (unchged)
Chuck Royce 25,902 sh (-4.34%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2017-06-30 Reduce -93.52%0.28%$44.75 - $53 $ 58.9019%717
David Dreman 2016-12-31 Add 4735.37%0.26%$35.35 - $43.65 $ 58.9046%11,073
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:LSE:BEZ, NAS:ANAT, NYSE:MCY, NYSE:WTM, NYSE:PRA, LSE:HSTG, NYSE:THG, XKRX:005830, XKRX:000060, TSX:ELF, NYSE:RLI, NAS:AFSI, NYSE:AXS, NAS:NGHC, XMCE:GCO, XPAR:ELE, NAS:AGII, XPAR:COFA, NAS:NAVG, LSE:HSX » 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 19.57
SIGI's PE Ratio is ranked lower than
64% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. SIGI: 19.57 )
Ranked among companies with meaningful PE Ratio only.
SIGI' s PE Ratio Range Over the Past 10 Years
Min: 7.48  Med: 14.13 Max: 1642
Current: 19.57
7.48
1642
Forward PE Ratio 19.65
SIGI's Forward PE Ratio is ranked lower than
70% of the 47 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.99 vs. SIGI: 19.65 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 19.57
SIGI's PE Ratio without NRI is ranked lower than
64% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.73 vs. SIGI: 19.57 )
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: 13.54 Max: 91.22
Current: 19.57
7.48
91.22
Price-to-Owner-Earnings 8.48
SIGI's Price-to-Owner-Earnings is ranked higher than
67% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.17 vs. SIGI: 8.48 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SIGI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.73  Med: 7.14 Max: 32.84
Current: 8.48
3.73
32.84
PB Ratio 2.02
SIGI's PB Ratio is ranked lower than
75% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. SIGI: 2.02 )
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: 2.03
Current: 2.02
0.62
2.03
PS Ratio 1.44
SIGI's PS Ratio is ranked lower than
54% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.17 vs. SIGI: 1.44 )
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: 1.45
Current: 1.44
0.37
1.45
Price-to-Free-Cash-Flow 8.40
SIGI's Price-to-Free-Cash-Flow is ranked higher than
62% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.97 vs. SIGI: 8.40 )
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: 2.31  Med: 5.3 Max: 9.9
Current: 8.4
2.31
9.9
Price-to-Operating-Cash-Flow 8.07
SIGI's Price-to-Operating-Cash-Flow is ranked higher than
60% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. SIGI: 8.07 )
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: 2.24  Med: 5.06 Max: 9.3
Current: 8.07
2.24
9.3
EV-to-EBIT 13.65
SIGI's EV-to-EBIT is ranked lower than
64% of the 118 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.02 vs. SIGI: 13.65 )
Ranked among companies with meaningful EV-to-EBIT only.
SIGI' s EV-to-EBIT Range Over the Past 10 Years
Min: -99.7  Med: 9.7 Max: 87.5
Current: 13.65
-99.7
87.5
EV-to-EBITDA 11.35
SIGI's EV-to-EBITDA is ranked lower than
55% of the 120 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.27 vs. SIGI: 11.35 )
Ranked among companies with meaningful EV-to-EBITDA only.
SIGI' s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.9  Med: 7.8 Max: 52.4
Current: 11.35
4.9
52.4
EV-to-Revenue 1.51
SIGI's EV-to-Revenue is ranked lower than
65% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. SIGI: 1.51 )
Ranked among companies with meaningful EV-to-Revenue only.
SIGI' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.4  Med: 0.8 Max: 1.5
Current: 1.51
0.4
1.5
PEG Ratio 0.52
SIGI's PEG Ratio is ranked higher than
76% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.82 vs. SIGI: 0.52 )
Ranked among companies with meaningful PEG Ratio only.
SIGI' s PEG Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.48 Max: 7.34
Current: 0.52
0.23
7.34
Shiller PE Ratio 33.22
SIGI's Shiller PE Ratio is ranked lower than
92% of the 62 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.60 vs. SIGI: 33.22 )
Ranked among companies with meaningful Shiller PE Ratio only.
SIGI' s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.23  Med: 11.22 Max: 33.45
Current: 33.22
5.23
33.45

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.12
SIGI's Dividend Yield % is ranked lower than
98% of the 187 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.89 vs. SIGI: 1.12 )
Ranked among companies with meaningful Dividend Yield % only.
SIGI' s Dividend Yield % Range Over the Past 10 Years
Min: 1.08  Med: 2.21 Max: 4.9
Current: 1.12
1.08
4.9
Dividend Payout Ratio 0.21
SIGI's Dividend Payout Ratio is ranked higher than
84% of the 141 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SIGI: 0.21 )
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: 0.21
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 80 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 % 1.22
SIGI's Forward Dividend Yield % is ranked lower than
98% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.33 vs. SIGI: 1.22 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.31
SIGI's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.12 vs. SIGI: 1.31 )
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: 1.26  Med: 2.59 Max: 5.74
Current: 1.31
1.26
5.74
3-Year Average Share Buyback Ratio -1.20
SIGI's 3-Year Average Share Buyback Ratio is ranked lower than
65% of the 93 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.40 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 2.03
SIGI's Price-to-Tangible-Book is ranked lower than
66% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.57 vs. SIGI: 2.03 )
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: 1.13 Max: 2.03
Current: 2.03
0.66
2.03
Price-to-Intrinsic-Value-Projected-FCF 0.63
SIGI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
53% of the 83 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. SIGI: 0.63 )
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: 0.41 Max: 0.76
Current: 0.63
0.16
0.76
Price-to-Median-PS-Value 2.06
SIGI's Price-to-Median-PS-Value is ranked lower than
93% of the 119 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.11 vs. SIGI: 2.06 )
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: 0.48  Med: 0.87 Max: 2.06
Current: 2.06
0.48
2.06
Price-to-Peter-Lynch-Fair-Value 0.82
SIGI's Price-to-Peter-Lynch-Fair-Value is ranked higher than
68% of the 31 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SIGI: 0.82 )
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: 0.82
0.22
3.08
Price-to-Graham-Number 1.33
SIGI's Price-to-Graham-Number is ranked lower than
63% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. SIGI: 1.33 )
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: 1.33
0.42
1.82
Earnings Yield (Greenblatt) % 7.33
SIGI's Earnings Yield (Greenblatt) % is ranked lower than
56% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.44 vs. SIGI: 7.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SIGI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1.4  Med: 10 Max: 18.2
Current: 7.33
-1.4
18.2
Forward Rate of Return (Yacktman) % 33.34
SIGI's Forward Rate of Return (Yacktman) % is ranked higher than
85% of the 80 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.52 vs. SIGI: 33.34 )
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: 2.5  Med: 34.1 Max: 59.4
Current: 33.34
2.5
59.4

More Statistics

Revenue (TTM) (Mil) $2,418.61
EPS (TTM) $ 3.01
Beta1.26
Short Percentage of Float0.69%
52-Week Range $38.50 - 60.50
Shares Outstanding (Mil)58.39

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 2,469 2,605 2,718
EPS ($) 2.82 3.00 3.15
EPS without NRI ($) 2.82 3.00 3.15
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.66 0.72 0.72

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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