Selective Insurance Group Stock Analysis
| SIGI Stock | USD 74.04 0.31 0.42% |
Selective Insurance Group is currently estimated as overvalued with a Real Value of $65.41. The analytical framework for this stock centers on intrinsic value assessment. This view separates Selective Insurance's estimated value from short-term price fluctuations. Fundamental data and technical patterns are both inputs to the stock analysis view.
Selective Insurance holds a debt-to-equity ratio of 0.194. Selective Insurance's risk exposure may expand when debt levels rise relative to equity. Higher interest costs can pressure earnings and reduce coverage margins. Asset vs Debt
Equity vs Debt
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Stock Analysis Notes
About 89.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.3. 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 0.28. The company recorded earnings per share (EPS) of 7.49. The firm had its last dividend issued on the 13th of February 2026. Selective Insurance completed a 2:1 stock split on 21st of February 2007. Selective Insurance Group (SIGI) recorded $15.2 billion in Total Assets.Investor Insights and Alerts
| Selective Insurance generated a negative expected return over the last 90 days | |
| Selective Insurance Group currently holds $898.3 M in liabilities with Debt to Equity (D/E) ratio of 0.19, which may suggest Selective Insurance 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. | |
| Over 89.0% of the company shares are owned by institutional investors | |
| On 2nd of March 2026 Selective Insurance paid $ 0.43 per share dividend to its current shareholders |
Thematic Classifications
Themes linked to Selective Insurance Group are useful because they connect a single stock to a larger investable concept that can be researched and optimized as a group. That matters when investors want to build portfolios around a conviction theme rather than around one ticker chosen without context.
 | Insurance ProvidersAll types of insurance and insurance brokerages |
Market Capitalization
At roughly 4.47 B, Selective Insurance Group belongs to the mid-cap segment of financials. The current market cap profile is reinforced by enterprise value near 5.55 B, a workforce of about 2,800 people, and about 60.08 M shares outstanding.Profitability
A profitability review of Selective Insurance Group connects sales quality and cost control with the ability to produce steady returns across market cycles. The key question is whether current profitability is lasting, cyclical, or boosted by items that may not repeat.
The company has Profit Margin (PM) of 9.0 %, which may indicate that the company has good control over its costs. This is above the sector average. Similarly, it shows Operating Margin (OM) of 15.0 %, which signifies that for every $100 of sales, the company has a net operating income of $15.0. Technical Drivers
Market data as of the 22nd of March shows Selective Insurance priced at 74.04 per share. Measured indicators report Variance of 1.7, coefficient of variation of -598.02, and Risk Adjusted Performance of -0.13. The model examines historical data series to identify measurable trend characteristics. Technical levels are measured against peer distributions.Selective Insurance Price Movement Analysis
This analysis covers thirty-eight data points across the selected time horizon. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Selective Insurance middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Selective Insurance. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
Insider Trading Activities
Insider disclosures for Selective Insurance Group show how people closest to the business are behaving as market expectations change. The goal is to tell routine pay-related sales apart from trades that reflect genuine conviction.
Outstanding Bonds
Selective Insurance Group may use bonds as part of its capital structure to fund operations, refinance liabilities, or support acquisitions and other long-duration investments. Used together with earnings and cash-flow analysis, the bond stack can reveal whether leverage is a manageable tool or a developing constraint.
Predictive Daily Indicators
For active positions in Selective Insurance Group, intraday data shows when a move is gaining strength and when it is fading. For most traders, the benefit is faster feedback on momentum, which sharpens both entries and exits.
Forecast Models
Forecast models for Selective Insurance Group use past prices and returns to estimate how the stock may behave under similar conditions. The practical edge is not the forecast number itself, but knowing when the data is becoming less predictable.Debt to Cash Allocation
The debt-to-cash mix for Selective Insurance helps explain how management balances flexibility and funding cost through a business cycle.
Selective Insurance Group currently holds $898.3 M in liabilities with Debt to Equity (D/E) ratio of 0.19, which may suggest Selective Insurance 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.Assets Financed by Debt
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.Corporate Bonds Issued
Bond maturity for Selective Insurance is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
Stock Analysis Methodology
As a mid-cap equity, Selective Insurance is scored on valuation, solvency, and operating efficiency. Selective Insurance operates in the Insurance Providers segment. Selective Insurance trades at P/E of 17.0, P/B of 1.3, P/S of 0.84. Profitability metrics show ROE of 13.86%, net margin of 8.74%, operating margin of 15.33%. Balance sheet indicators include debt-to-equity of 0.19 and current ratio of 0.33. Financial distress probability is estimated at 9%, indicating low near-term solvency risk. RSI at 30 signals oversold conditions. A beta of -0.2408 indicates low sensitivity to broad market moves. A Sharpe ratio of -0.1672 shows market returns below the risk-free rate over the measurement period, though that reflects recent price performance rather than underlying solvency.
This section for Selective Insurance Group is built from periodic company reporting and market reference feeds, with harmonization applied to align reporting definitions. Values may update on different source schedules.
This content is curated and reviewed by:
Rifka Kats - Member of Macroaxis Editorial BoardBe your own money manager
A sound portfolio process for Selective Insurance Group should connect conviction, risk tolerance, and expected return before the position is added or expanded. The practical goal is to improve diversification, remove redundancy, and keep return expectations realistic.
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