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Selective Insurance Group (FRA:SV2) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Selective Insurance Group Equity-to-Asset Related Terms
Selective Insurance Group Equity-to-Asset Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:SV2 vs MCY, RLI, WTM: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, Selective Insurance Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Selective Insurance Group Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Selective Insurance Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Selective Insurance Group's Equity-to-Asset falls into.
Selective Insurance Group Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Selective Insurance Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Selective Insurance Group (FRA:SV2) has a Equity-to-Asset of 0.26 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Selective Insurance Group and its competitors. This is 13% above median its historical median of 0.23. Over the past decade, Selective Insurance Group's Equity-to-Asset has ranged from 0.21 to 0.29. According to the industry distribution chart, Selective Insurance Group ranks #274 out of 502 companies in the Insurance industry, placing it in the top 54.6%.
Is Selective Insurance Group's Equity-to-Asset too high?
Selective Insurance Group's current Equity-to-Asset of 0.26 is 13% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 0.29. The Insurance industry median Equity-to-Asset is 0.26. Selective Insurance Group's value of 0.26 is 0% at this industry median. Based on the distribution chart, Selective Insurance Group ranks #274 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Selective Insurance Group has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does Selective Insurance Group's Equity-to-Asset compare to MCY and RLI?
According to the Insurance industry distribution chart, Selective Insurance Group ranks #274 out of 502 companies for Equity-to-Asset. This places Selective Insurance Group in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Selective Insurance Group's value of 0.26 is 0% at this benchmark. Historically, Selective Insurance Group's own Equity-to-Asset has ranged from 0.21 to 0.29 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.26, Selective Insurance Group has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Selective Insurance Group's current Equity-to-Asset of 0.26 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Selective Insurance Group and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Selective Insurance Group's current Equity-to-Asset is 0.26, which is 13% above median its own 10-year median of 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Selective Insurance Group stock overvalued right now?
Selective Insurance Group (FRA:SV2) has a current Equity-to-Asset of 0.26. The stock's GF Value™ is €81.74, compared to a current price of €73.00 — trading 10.7% below its estimated fair value. The current Equity-to-Asset is 0.26, which is 13% above median its 10-year median of 0.23 and 0% at the Insurance industry median of 0.26. Selective Insurance Group's overall GF Score™ is 82/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Selective Insurance Group (FRA:SV2), the current Equity-to-Asset is 0.26 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Selective Insurance Group (FRA:SV2) Overvalued in 2026?
Based on GuruFocus' analysis, Selective Insurance Group stock appears to be undervalued.
The current stock price of €73.00 is trading 10.7% below its estimated GF Value™ of €81.74.
Key valuation signals for FRA:SV2:
Equity-to-Asset: 0.26 (13% above median its 10-year median of 0.23)
GF Value™: €81.74 vs. price of €73.00 (10.7% below fair value)
Industry Position: 0% at the Insurance median (#274 of 502)
No single metric tells the full story. See the FRA:SV2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Selective Insurance Group Inc is a regional property-casualty insurer based in New Jersey, with its operations focused in the New York metropolitan area. The Company has four operating segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. Majority of revenue is gained from Standard Commercial Lines segment, which comprises of property and casualty insurance products and services provided in the standard marketplace to commercial enterprises, which are typically businesses, non-profit organizations, and local government agencies.
82GF Score
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