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Selective Insurance GroupSIGI +0.65%82 Return-on-Tangible-Asset is 3.35% as of Jun. 2026, which is 35% above its 10-year median of 2.48. GuruFocus rates SIGI with a GF Scoreâ„¢ of 82/100 and a GF Valueâ„¢ of $100.41 (Fairly Valued). The stock has 6 warning signs investors should review. Among 505 Insurance companies, Selective Insurance Group ranks better than 56.63% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Selective Insurance Group's annualizedNet Income for the quarter that ended in Jun. 2026 was $518 Mil. Selective Insurance Group's average total tangible assets for the quarter that ended in Jun. 2026 was $15,461 Mil. Therefore, Selective Insurance Group's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 3.35%.
The historical rank and industry rank for Selective Insurance Group's Return-on-Tangible-Asset or its related term are showing as below:
SIGI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.64 Med: 2.48 Max: 4.01
Current: 3.3
During the past 13 years, Selective Insurance Group's highest Return-on-Tangible-Asset was 4.01%. The lowest was 1.64%. And the median was 2.48%.
SIGI's Return-on-Tangible-Asset is ranked better than 56.63% of 505
companies
in the Insurance industry
Industry Median: 2.88
vs SIGI: 3.30
Selective Insurance Group (NAS:SIGI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companyÂ’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companyÂ’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Selective Insurance Group Return-on-Tangible-Asset Related Terms
Selective Insurance Group Return-on-Tangible-Asset Historical Data
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The historical data trend for Selective Insurance Group's Return-on-Tangible-Asset can be seen below:
* 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 Return-on-Tangible-Asset Chart
SIGI vs RLI, MCY, WTM: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Selective Insurance Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Selective Insurance Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Selective Insurance Group's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 3.35% mean?
Selective Insurance Group (SIGI) has a Return-on-Tangible-Asset of 3.35% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Selective Insurance Group and its competitors. This is 35% above median its historical median of 2.48. Over the past decade, Selective Insurance Group's Return-on-Tangible-Asset has ranged from 1.64 to 4.01. According to the industry distribution chart, Selective Insurance Group ranks #219 out of 505 companies in the Insurance industry, placing it in the top 43.4%.
Is Selective Insurance Group's Return-on-Tangible-Asset too high?
Selective Insurance Group's current Return-on-Tangible-Asset of 3.35% is 35% above median its 10-year median of 2.48. Over the past 10 years, this metric has ranged from a low of 1.64 to a high of 4.01. The Insurance industry median Return-on-Tangible-Asset is 2.88. Selective Insurance Group's value of 3.35% is 16.3% above this industry median. Based on the distribution chart, Selective Insurance Group ranks #219 out of 505 companies in the Insurance industry, which is above the industry midpoint. Overall, Selective Insurance Group has a GF Scoreâ„¢ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Selective Insurance Group's Return-on-Tangible-Asset compare to RLI and MCY?
According to the Insurance industry distribution chart, Selective Insurance Group ranks #219 out of 505 companies for Return-on-Tangible-Asset. This puts Selective Insurance Group in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.88. Selective Insurance Group's value of 3.35% is 16.3% above this benchmark. Historically, Selective Insurance Group's own Return-on-Tangible-Asset has ranged from 1.64 to 4.01 over the past decade. While the company's 10-year median is 2.48 vs. the industry median of 2.88, Selective Insurance Group has consistently been above 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.88, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Selective Insurance Group's current Return-on-Tangible-Asset of 3.35% is 16.3% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Selective Insurance Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Selective Insurance Group's current Return-on-Tangible-Asset is 3.35%, which is 35% above median its own 10-year median of 2.48. 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 $100.41, compared to a current price of $95.42 — trading 5% below its estimated fair value. The current Return-on-Tangible-Asset is 3.35%, which is 35% above median its 10-year median of 2.48 and 16.3% above the Insurance industry median of 2.88. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Selective Insurance Group (SIGI), the current Return-on-Tangible-Asset is 3.35% 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 (SIGI) Overvalued in 2026?
Based on GuruFocus' analysis, Selective Insurance Group stock appears to be undervalued.
The current stock price of $95.42 is trading 5% below its estimated GF Value™ of $100.41.
GuruFocus considers Selective Insurance Group to be Fairly Valued.
Key valuation signals for SIGI:
Return-on-Tangible-Asset: 3.35% (35% above median its 10-year median of 2.48)
GF Value™: $100.41 vs. price of $95.42 (5% below fair value)
Industry Position: 16.3% above the Insurance median (#219 of 505)
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.
82GF Score
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