Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Selective Insurance GroupSIGI -1.48%77 EV-to-FCF is 6.03 as of Jul. 25, 2026, which is 31% below its 10-year median of 8.80. GuruFocus rates SIGI with a GF Score™ of 77/100 and a GF Value™ of $104.22 (Fairly Valued). The stock has 7 warning signs investors should review. Among 394 Insurance companies, Selective Insurance Group ranks better than 67.01% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Selective Insurance Group's Enterprise Value is $6,842 Mil.
Selective Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,134 Mil. Therefore, Selective Insurance Group's EV-to-FCF for today is 6.03.
The historical rank and industry rank for Selective Insurance Group's EV-to-FCF or its related term are showing as below:
SIGI'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.68 Med: 8.8 Max: 12.24
Current: 6.03
During the past 13 years, the highest EV-to-FCF of Selective Insurance Group was 12.24. The lowest was 4.68. And the median was 8.80.
SIGI's EV-to-FCF is ranked better than 67.01% of 394
companies
in the Insurance industry
Industry Median: 9.58
vs SIGI: 6.03
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Selective Insurance Group (NAS:SIGI) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Selective Insurance Group's PE Ratio (TTM) for today is calculated as:
Selective Insurance Group's share price for today is $96.33.
Selective Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.060.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Selective Insurance Group EV-to-FCF Related Terms
Selective Insurance Group EV-to-FCF 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.
For the Insurance - Property & Casualty subindustry, Selective Insurance Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Selective Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Selective Insurance Group's EV-to-FCF falls into.
Selective Insurance Group's current Enterprise Value is $6,842 Mil.
Selective Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,134 Mil.
* 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 (SIGI) has a EV-to-FCF of 6.03 as of Jul. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Selective Insurance Group and its competitors. This is 31% below median its historical median of 8.80. Over the past decade, Selective Insurance Group's EV-to-FCF has ranged from 4.68 to 12.24. According to the industry distribution chart, Selective Insurance Group ranks #130 out of 394 companies in the Insurance industry, placing it in the top 33%.
Is Selective Insurance Group's EV-to-FCF too high?
Selective Insurance Group's current EV-to-FCF of 6.03 is 31% below median its 10-year median of 8.80. Over the past 10 years, this metric has ranged from a low of 4.68 to a high of 12.24. The Insurance industry median EV-to-FCF is 9.58. Selective Insurance Group's value of 6.03 is 37.1% below this industry median. Based on the distribution chart, Selective Insurance Group ranks #130 out of 394 companies in the Insurance industry, which is above the industry midpoint. Overall, Selective Insurance Group has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Selective Insurance Group's EV-to-FCF compare to MCY and RLI?
According to the Insurance industry distribution chart, Selective Insurance Group ranks #130 out of 394 companies for EV-to-FCF. This puts Selective Insurance Group in the upper half of its industry. The industry median EV-to-FCF is 9.58. Selective Insurance Group's value of 6.03 is 37.1% below this benchmark. Historically, Selective Insurance Group's own EV-to-FCF has ranged from 4.68 to 12.24 over the past decade. While the company's 10-year median is 8.80 vs. the industry median of 9.58, Selective Insurance Group has consistently been below 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.58, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Selective Insurance Group's current EV-to-FCF of 6.03 is 37.1% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Selective Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Selective Insurance Group's current EV-to-FCF is 6.03, which is 31% below median its own 10-year median of 8.80. 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?
Based on GuruFocus' analysis, Selective Insurance Group (SIGI) is currently considered Fairly Valued. The stock's GF Value™ is $104.22, compared to a current price of $96.33 — trading 7.6% below its estimated fair value. The current EV-to-FCF is 6.03, which is 31% below median its 10-year median of 8.80 and 37.1% below the Insurance industry median of 9.58. Selective Insurance Group's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Selective Insurance Group (SIGI), the current EV-to-FCF is 6.03 as of Jul. 25, 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 (SIGI) Overvalued in 2026?
Based on GuruFocus' analysis, Selective Insurance Group stock appears to be undervalued.
The current stock price of $96.33 is trading 7.6% below its estimated GF Value™ of $104.22.
GuruFocus considers Selective Insurance Group to be Fairly Valued.
Key valuation signals for SIGI:
EV-to-FCF: 6.03 (31% below median its 10-year median of 8.80)
GF Value™: $104.22 vs. price of $96.33 (7.6% below fair value)
Industry Position: 37.1% below the Insurance median (#130 of 394)
No single metric tells the full story. See the SIGI 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.
77GF Score
Get the complete analysis for SIGI
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SIGI has been successfully added to your 
