Selective Insurance Group (FRA:SV2) Moat Score: 5/10 (As of Aug. 03, 2026)

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FRA:SV2 Selective Insurance Group Inc FRA:SV2
82 GF Score
Price €79.50
GF Value €86.70
! 6 Warning Signs
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What is Selective Insurance Group Moat Score?

Selective Insurance Group FRA:SV2 -1.85% 82 Moat Score is 5 as of Aug. 03, 2026. GuruFocus rates FRA:SV2 with a GF Score™ of 82/100 and a GF Value™ of €86.70. The stock has 6 warning signs investors should review. Among 593 Insurance companies, Selective Insurance Group ranks better than 88.7% on this metric.

Selective Insurance Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Selective Insurance Group has Narrow Moat: Selective Insurance Group has a solid narrow moat due to its regional market leadership and customer loyalty. However, the insurance industry’s competitive nature and regulatory environment limit its moat to a narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Selective Insurance Group might have Narrow Moat - Solid narrow moat.

Selective Insurance Group  (FRA:SV2) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Selective Insurance Group Moat Score Related Terms

FRA:SV2 vs RLI, MCY, WTM: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Selective Insurance Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Selective Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Selective Insurance Group's Moat Score falls into.


FRA:SV2
82GF Score
Selective Insurance Group Inc FRA:SV2
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Selective Insurance Group (FRA:SV2) has a Moat Score of 5 as of Aug. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Selective Insurance Group ranks #67 out of 593 companies in the Insurance industry, placing it in the top 11.3%.
Is Selective Insurance Group's Moat Score too high?
Selective Insurance Group's current Moat Score is 5. Based on the distribution chart, Selective Insurance Group ranks #67 out of 593 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to RLI and MCY?
According to the Insurance industry distribution chart, Selective Insurance Group ranks #67 out of 593 companies for Moat Score. This places Selective Insurance Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Selective Insurance Group's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €86.70, compared to a current price of €79.50 — trading 8.3% below its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Selective Insurance Group (FRA:SV2), the current Moat Score is 5 as of Aug. 03, 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 €79.50 is trading 8.3% below its estimated GF Value™ of €86.70.

Key valuation signals for FRA:SV2:

  • Moat Score: 5
  • GF Value™: €86.70 vs. price of €79.50 (8.3% below fair value)
  • GF Score™: 82/100 with 6 warning signs

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 Business Description

Other Exchanges SIGIP.PFD:USASIGI:USA
Address 40 Wantage Avenue, Branchville, NJ, USA, 07890
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

Get the complete analysis for FRA:SV2

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€79.50
Price
€86.70
GF Value