A Business at a Glance
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Selective Insurance Group, Inc. ("Parent") is a New Jersey insurance holding company incorporated in 1977. It owns ten property and casualty insurance subsidiaries ("Insurance Subsidiaries") that sell products and services only in the United States ("U.S.") and exclusively through independent insurance agents and wholesale brokers. Nine of our Insurance Subsidiaries are licensed by various state insurance departments as admitted carriers, allowing them to write specific property and casualty lines in the standard market. The tenth subsidiary is authorized as a non-admitted carrier to write property and casualty insurance in the excess and surplus ("E&S") lines market. Throughout this document, we refer to the Parent and the Insurance Subsidiaries collectively as "we," "us," or "our." We use "Parent" when appropriate to distinguish it from the Insurance Subsidiaries. Specific terms related to the property and casualty industry are defined in a glossary attached as Exhibit 99.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 5.3B | 5.3B | 4.9B | 4.2B | 3.6B | 3.4B |
| Net Income | 457M | 457M | 198M | 356M | 216M | 394M |
| EPS | $7.49 | $7.49 | $3.23 | $5.84 | $3.54 | $6.50 |
| Free Cash Flow | 1.2B | 1.2B | 1.1B | 736M | 776M | 749M |
| ROIC | 9.2% | 11.2% | 5.5% | 10.3% | 7.1% | 11.3% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.50 | 0.50 | 0.33 | 0.34 | 0.20 | 0.17 |
| Dividends/Share | $1.52 | $1.57 | $1.43 | $1.25 | $1.14 | $1.03 |
| Operating Income | 630M | 630M | 278M | 478M | 300M | 525M |
| Operating Margin | 11.8% | 11.8% | 5.7% | 11.3% | 8.4% | 15.5% |
| ROE | 12.7% | 13.6% | 6.3% | 12.1% | 8.5% | 13.2% |
| Shares Outstanding | 61M | 61M | 61M | 61M | 61M | 61M |
SELECTIVE INSURANCE GROUP INC passes 4 of 9 quality checks, suggesting mixed fundamentals.
SELECTIVE INSURANCE GROUP INC trades at 2.2x trailing earnings, compared to its 15-year median P/E of 3.4x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 0.8x vs a median of 1.2x. The company's 5-year average ROIC is 9.1%. Total shareholder yield (dividends + buybacks) is 18.6%. At current prices, the estimated annualized return to fair value is +10.6%.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a current P/E ratio of 2.2, compared to its historical median P/E of 3.4. The stock is currently considered Cheap based on its historical valuation range.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a 5-year average return on invested capital (ROIC) of 9.1%. This is below average and may indicate limited pricing power.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a market capitalization of $1000M. It is classified as a small-cap stock.
Yes, SELECTIVE INSURANCE GROUP INC (SIGIP) pays a dividend with a trailing twelve-month yield of 9.29%. The company also returns capital through share buybacks, with a buyback yield of 9.26%.
Based on historical P/E analysis, SELECTIVE INSURANCE GROUP INC (SIGIP) appears cheap. The current P/E of 2.2 is 36% below its historical median of 3.4. The estimated fair value CAGR (P/E method) is 1.1%.
SELECTIVE INSURANCE GROUP INC (SIGIP) operates in the Fire, Marine & Casualty Insurance industry, within the Financials sector.
SELECTIVE INSURANCE GROUP INC (SIGIP) reported annual revenue of $5.3 billion in its most recent fiscal year, based on SEC EDGAR filings.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a net profit margin of 8.6%. This is a modest margin.
SELECTIVE INSURANCE GROUP INC (SIGIP) generated $1.2 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a debt-to-equity ratio of 0.50. This indicates a conservatively financed balance sheet.
SELECTIVE INSURANCE GROUP INC (SIGIP) reported earnings per share (EPS) of $7.49 in its most recent fiscal year.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a return on equity (ROE) of 13.6%. This indicates moderate shareholder returns.
The Ledger Terminal provides 15 years of financial data for SELECTIVE INSURANCE GROUP INC (SIGIP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SELECTIVE INSURANCE GROUP INC (SIGIP) has a book value per share of $59.12, based on its most recent annual SEC filing.