Is Selective Insurance Group, Inc. (SIGI) Overvalued?
We dive into why Selective Insurance Group, Inc. (SIGI) could be considered overvalued on 2026-07-28, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
Selective Insurance Group, Inc., together with its subsidiaries, provides insurance products and services in the United States. The company operates through four segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. It offers casualty insurance products that covers the financial consequences of third-party bodily injury and/or property damage from an insured's negligent acts, omissions, and legal liabilities; property insurance products, which covers the accidental loss of an insured’s real property, personal property, and/or earnings due to the property's loss; and flood insurance products. The company also invests in fixed income investments and commercial mortgage loans, as well as equity securities, short-term investments, and alternative investments, and other investments. It offers its insurance products and services to businesses, non-profit organizations, local government agencies, and individuals through independent retail agents and wholesale general agents. Selective Insurance Group, Inc. was founded in 1926 and is headquartered in Branchville, New Jersey.
Commentary & Analysis
What You Need to Know About Selective Insurance Group, Inc.'s Q3 Earnings
Selective Insurance Group, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (SIGI) missed or beat analyst's expectations.Michael Rose
Which Is a Better Investment, Horace Mann Educators Corporation or Selective Insurance Group, Inc. Stock?
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Which Is a Better Investment, Pelagos Insurance Capital Limited or Selective Insurance Group, Inc. Stock?
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Financial Summary
| Share Statistics | SIGI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $5,646.6 | $7,055.8 | 69% |
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| Shares Out (Mil) | 60.2 | 66.0 | 52% |
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| Institutional Ownership | 99.0% | 81.8% | 84% |
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| Float (Mil) | 55.1 | 67.4 | 49% |
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| Beta | 0.29 | 0.52 | 17% |
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| Avg Daily Volume (000s) | 754 | 186 | 65% |
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| Price Change (52-week) |
19.4% | 90.4% | 61% |
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| Growth | SIGI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.8% | 5.6% | 67% |
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| Net Income (5yr) | 13.6% | 14.5% | 61% |
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| EPS (5yr) | 12.9% | 15.6% | 52 |
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| Dividends (5yr) | 10.8% | 3.8% | 87% |
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| Cash Flow (5yr) | (52.2%) | (14.5%) | 6% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 8 | 7 | 8 | |
| Current EPS | $1.820 | $8.151 | $8.813 | |
| Month Ago EPS | $1.820 | $7.868 | $8.856 | |
| # Rev Up | 0 | 0 | 0 | |
| # Rev Down | 1 | 2 | 1 | |
| Three Months Ago EPS | $1.844 | $7.856 | $8.846 | |
| Year/Year Chg | (13.7%) | 8.8% | 22.9% | |
| Financials | SIGI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $5,471 | $5,065 | 76% |
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| Net Income (TTM) (Mil) | $498 | $534 | 79% |
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| EPS (TTM) | $8.127 | $2.500 | 92% |
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| Operating Cash Flow (TTM) (Mil) | $1,233 | $499 | 83% |
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| Net Cash Flow (TTM) (Mil) | ($27) | $3 | 24% |
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| Long-Term Debt (Q1) (Mil) | $901 | $844 | 65% |
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| Enterprise Value (Q1) (Mil) | $6,839 | $7,585 | 68% |
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| Valuation | SIGI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.63 | 1.77 | 43% |
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| P/E | 11.8 | 12.9 | 23% |
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| Dividend Yield | 1.8% | 0.9% | 74% |
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| PEG (5yr hist) | 0.9 | 0.5 | 41% |
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| Ratios | SIGI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 22.8% | 33.4% | 25% |
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| Net Margin | 9.1% | 9.9% | 61% |
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| ROA | 3.3% | 2.7% | 63% |
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| ROE | 15.0% | 14.8% | 71% |
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| Liabilities to Assets | 76.5% | 76.7% | 72% |
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| F-Score | 7 | 6 | 84% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
FACTOR STRATEGY
Dividend (High Relative Yield) Screen
Factors: Yield, Value, Growth
Using the dividend-yield approach to invest during volatile markets.
| Performance Since Inception: | 9.1% |
| +/- S&P 500: | +1.6 |
