Selective Insurance Group Stock Analysis

SIGI Stock  USD 81.89  1.08  1.30%   
Selective Insurance holds a debt-to-equity ratio of 0.194. As of now, Selective Insurance's Interest Debt Per Share is increasing as compared to previous years. The Selective Insurance's current Debt To Assets is estimated to increase to 0.07, while Short and Long Term Debt Total is projected to decrease to under 300.6 M. With a high degree of financial leverage come high-interest payments, which usually reduce Selective Insurance's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

Selective Insurance's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Selective Insurance's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Selective Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Selective Insurance's stakeholders.
For most companies, including Selective Insurance, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Selective Insurance Group, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Selective Insurance's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.5036
Book Value
54.464
Operating Margin
0.1169
Profit Margin
0.0778
Return On Assets
0.0259
Given that Selective Insurance's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Selective Insurance is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Selective Insurance to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Selective Insurance is said to be less leveraged. If creditors hold a majority of Selective Insurance's assets, the Company is said to be highly leveraged.
As of now, Selective Insurance's Liabilities And Stockholders Equity is increasing as compared to previous years. The Selective Insurance's current Total Current Liabilities is estimated to increase to about 5.4 B, while Non Current Liabilities Total is projected to decrease to under 539.7 M.
Selective Insurance Group is fairly valued with Real Value of 82.24 and Target Price of 83.71. The main objective of Selective Insurance stock analysis is to determine its intrinsic value, which is an estimate of what Selective Insurance Group is worth, separate from its market price. There are two main types of Selective Insurance's stock analysis: fundamental analysis and technical analysis.
The Selective Insurance stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Selective Insurance's ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Selective Insurance Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Selective Stock Analysis Notes

About 87.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.5. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Selective Insurance has Price/Earnings To Growth (PEG) ratio of 1.86. The entity recorded earning per share (EPS) of 6.49. The firm last dividend was issued on the 14th of November 2025. Selective Insurance had 2:1 split on the 21st of February 2007. Selective Insurance Group, Inc., together with its subsidiaries, provides insurance products and services in the United States. Selective Insurance Group, Inc. was founded in 1926 and is headquartered in Branchville, New Jersey. Selective Ins operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 2440 people. To find out more about Selective Insurance Group contact John CPCU at 973 948 3000 or learn more at https://www.selective.com.

Selective Insurance Quarterly Total Revenue

1.36 Billion

Selective Insurance Investment Alerts

Selective Insurance generated a negative expected return over the last 90 days
Selective Insurance Group currently holds 507.94 M in liabilities with Debt to Equity (D/E) ratio of 0.19, which may suggest the company is not taking enough advantage from borrowing. Selective Insurance has a current ratio of 0.32, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about Selective Insurance's use of debt, we should always consider it together with its cash and equity.
Selective Insurance has a strong financial position based on the latest SEC filings
Over 87.0% of Selective Insurance shares are owned by institutional investors
On 1st of December 2025 Selective Insurance paid $ 0.43 per share dividend to its current shareholders
Latest headline from news.google.com: Selective Insurance Group Share Price Passes Above Two Hundred Day Moving Average - Heres Why - MarketBeat

Selective Insurance Upcoming and Recent Events

Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Selective Insurance previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
31st of January 2024
Upcoming Quarterly Report
View
1st of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
31st of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

Selective Largest EPS Surprises

Earnings surprises can significantly impact Selective Insurance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2011-07-27
2011-06-300.030.01-0.0266 
2001-08-08
2001-06-300.170.15-0.0211 
2001-02-06
2000-12-310.140.12-0.0214 
View All Earnings Estimates

Selective Insurance Environmental, Social, and Governance (ESG) Scores

Selective Insurance's ESG score is a quantitative measure that evaluates Selective Insurance's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Selective Insurance's operations that may have significant financial implications and affect Selective Insurance's stock price as well as guide investors towards more socially responsible investments.

Selective Insurance Thematic Classifications

In addition to having Selective Insurance stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Insurance Providers Idea
Insurance Providers
All types of insurance and insurance brokerages

Selective Stock Institutional Investors

Shares
Northern Trust Corp2025-06-30
927.7 K
Charles Schwab Investment Management Inc2025-06-30
897.6 K
Bank Of America Corp2025-06-30
726 K
Jacobs Levy Equity Management, Inc.2025-06-30
720.9 K
Norges Bank2025-06-30
709 K
Hhg Plc2025-06-30
621.1 K
Bank Of New York Mellon Corp2025-06-30
563.5 K
Massachusetts Financial Services Company2025-06-30
531.8 K
D. E. Shaw & Co Lp2025-06-30
521.5 K
Blackrock Inc2025-06-30
7.6 M
Vanguard Group Inc2025-06-30
6.8 M
Note, although Selective Insurance's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Selective Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 4.98 B.

Selective Profitablity

The company has Profit Margin (PM) of 0.08 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.12 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.12.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed 0.02  0.02 
Return On Assets 0.02  0.02 
Return On Equity 0.08  0.11 

Management Efficiency

Selective Insurance has return on total asset (ROA) of 0.0259 % which means that it generated a profit of $0.0259 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1222 %, meaning that it created $0.1222 on every $100 dollars invested by stockholders. Selective Insurance's management efficiency ratios could be used to measure how well Selective Insurance manages its routine affairs as well as how well it operates its assets and liabilities. As of now, Selective Insurance's Return On Tangible Assets are increasing as compared to previous years. The Selective Insurance's current Return On Assets is estimated to increase to 0.02, while Return On Capital Employed is projected to decrease to 0.02. As of now, Selective Insurance's Intangible Assets are increasing as compared to previous years. The Selective Insurance's current Return On Tangible Assets is estimated to increase to 0.02, while Non Current Assets Total are projected to decrease to under 8.6 M.
Last ReportedProjected for Next Year
Book Value Per Share 46.13  48.43 
Tangible Book Value Per Share 46.01  48.31 
Enterprise Value Over EBITDA 22.17  21.22 
Price Book Value Ratio 1.64  1.02 
Enterprise Value Multiple 22.17  21.22 
Price Fair Value 1.64  1.02 
Enterprise Value6.1 B6.4 B
At Selective Insurance, effective management practices are pivotal to sustaining long-term profitability. We delve into financial metrics and market conditions to provide a comprehensive analysis of the stock's prospects.
Dividend Yield
0.0183
Operating Margin
0.1169
Profit Margin
0.0778
Forward Dividend Yield
0.021
Beta
0.236

Technical Drivers

As of the 18th of January 2026, Selective Insurance has the Variance of 2.21, risk adjusted performance of (0.01), and Coefficient Of Variation of (6,105). In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Selective Insurance, as well as the relationship between them.

Selective Insurance Price Movement Analysis

The output start index for this execution was twenty-nine with a total number of output elements of thirty-two.

Selective Insurance Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Selective Insurance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Selective Insurance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Selective Insurance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Marchioni John J. over a month ago
Disposition of 15089 shares by Marchioni John J. of Selective Insurance subject to Rule 16b-3
 
Cavanaugh Terrence W over six months ago
Acquisition by Cavanaugh Terrence W of 2624 shares of Selective Insurance subject to Rule 16b-3
 
Bacus Lisa R over six months ago
Acquisition by Bacus Lisa R of 1666 shares of Selective Insurance subject to Rule 16b-3
 
Jeffrey Kamrowski over six months ago
Acquisition by Jeffrey Kamrowski of 3542 shares of Selective Insurance subject to Rule 16b-3
 
Coaxum Wole C over six months ago
Acquisition by Coaxum Wole C of 1000 shares of Selective Insurance at 99.9461 subject to Rule 16b-3
 
Doherty Robert Kelly over six months ago
Acquisition by Doherty Robert Kelly of 1500 shares of Selective Insurance at 80.2799 subject to Rule 16b-3
 
Michael Lanza over six months ago
Disposition of 1975 shares by Michael Lanza of Selective Insurance at 85.24 subject to Rule 16b-3
 
Brenda Hall over six months ago
Disposition of 1812 shares by Brenda Hall of Selective Insurance at 85.24 subject to Rule 16b-3
 
Patrick Brennan over six months ago
Acquisition by Patrick Brennan of 12036 shares of Selective Insurance subject to Rule 16b-3
 
Thebault J Brian over six months ago
Acquisition by Thebault J Brian of 1172 shares of Selective Insurance subject to Rule 16b-3
 
Mark Wilcox over a year ago
Disposition of 3415 shares by Mark Wilcox of Selective Insurance at 100.9 subject to Rule 16b-3
 
Marchioni John J. over a year ago
Disposition of 1002 shares by Marchioni John J. of Selective Insurance subject to Rule 16b-3

Selective Insurance Outstanding Bonds

Selective Insurance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Selective Insurance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Selective bonds can be classified according to their maturity, which is the date when Selective Insurance Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Selective Insurance Predictive Daily Indicators

Selective Insurance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Selective Insurance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Selective Insurance Corporate Filings

F4
25th of November 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F3
7th of November 2025
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
3rd of November 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
27th of October 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
24th of October 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
22nd of October 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
4th of August 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
30th of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Selective Insurance Forecast Models

Selective Insurance's time-series forecasting models are one of many Selective Insurance's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Selective Insurance's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Selective Insurance Bond Ratings

Selective Insurance Group financial ratings play a critical role in determining how much Selective Insurance have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Selective Insurance's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(2.73)
Unlikely ManipulatorView

Selective Insurance Debt to Cash Allocation

As Selective Insurance Group follows its natural business cycle, the capital allocation decisions will not magically go away. Selective Insurance's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Selective Insurance Group currently holds 507.94 M in liabilities with Debt to Equity (D/E) ratio of 0.19, which may suggest the company is not taking enough advantage from borrowing. Selective Insurance has a current ratio of 0.32, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about Selective Insurance's use of debt, we should always consider it together with its cash and equity.

Selective Insurance Total Assets Over Time

Selective Insurance Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Selective Insurance uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Selective Insurance Debt Ratio

    
  7.41   
It feels like most of the Selective Insurance's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Selective Insurance's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Selective Insurance, which in turn will lower the firm's financial flexibility.

Selective Insurance Corporate Bonds Issued

Most Selective bonds can be classified according to their maturity, which is the date when Selective Insurance Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Selective Short Long Term Debt Total

Short Long Term Debt Total

300.6 Million

As of now, Selective Insurance's Short and Long Term Debt Total is increasing as compared to previous years.

About Selective Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Selective Insurance prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Selective shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Selective Insurance. By using and applying Selective Stock analysis, traders can create a robust methodology for identifying Selective entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.05  0.06 
Operating Profit Margin 0.06  0.06 
Net Profit Margin 0.04  0.05 
Gross Profit Margin 0.08  0.07 

Current Selective Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Selective analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Selective analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
83.71Buy7Odds
Selective Insurance Group current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Selective analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Selective stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Selective Insurance, talking to its executives and customers, or listening to Selective conference calls.
Selective Analyst Advice Details

Selective Stock Analysis Indicators

Selective Insurance Group stock analysis indicators help investors evaluate how Selective Insurance stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Selective Insurance shares will generate the highest return on investment. By understating and applying Selective Insurance stock analysis, traders can identify Selective Insurance position entry and exit signals to maximize returns.
Begin Period Cash Flow13.3 M
Total Stockholder Equity3.1 B
Capital Lease Obligations6.3 M
Property Plant And Equipment Net93.3 M
Cash And Short Term Investments1.1 B
Cash91 K
50 Day M A80.978
Net Interest Income-28.9 M
Total Current Liabilities5.7 B
Forward Price Earnings10.0301
Investments-947.4 M
Interest Expense28.9 M
Stock Based Compensation22.8 M
Long Term Debt501.7 M
Common Stock Shares Outstanding61.3 M
Total Cashflows From Investing Activities-947.4 M
Tax Provision51 M
Quarterly Earnings Growth Y O Y0.259
Net Debt507.8 M
Other Operating Expenses4.6 B
Non Current Assets Total7.8 M
Liabilities And Stockholders Equity13.5 B
Non Currrent Assets Other-9 B

Complementary Tools for Selective Stock analysis

When running Selective Insurance's price analysis, check to measure Selective Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Selective Insurance is operating at the current time. Most of Selective Insurance's value examination focuses on studying past and present price action to predict the probability of Selective Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Selective Insurance's price. Additionally, you may evaluate how the addition of Selective Insurance to your portfolios can decrease your overall portfolio volatility.
Pair Correlation
Compare performance and examine fundamental relationship between any two equity instruments
Aroon Oscillator
Analyze current equity momentum using Aroon Oscillator and other momentum ratios
ETFs
Find actively traded Exchange Traded Funds (ETF) from around the world
Top Crypto Exchanges
Search and analyze digital assets across top global cryptocurrency exchanges
Piotroski F Score
Get Piotroski F Score based on the binary analysis strategy of nine different fundamentals
Stock Screener
Find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook.
Insider Screener
Find insiders across different sectors to evaluate their impact on performance
Fundamentals Comparison
Compare fundamentals across multiple equities to find investing opportunities
Portfolio Diagnostics
Use generated alerts and portfolio events aggregator to diagnose current holdings