Selective Insurance Group, Inc. SIGIP

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14.77 USD -0.13 (-0.87%)

At closeNov 3, 2026, 4:00 PM EST

14.80 +0.03 +0.20%

After hours · Nov 3, 4:00 PM ET

14.77 Day range 15.08
14.74 52-week range 17.73
YTD
-11.66%
1 year
-15.50%

Financial health

Altman Z-Score

1.90 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 5
  • P/B 1

Valuation

P/E 11.2×
FY 2016: 15.7×FY 2017: 20.3×FY 2018: 20.3×FY 2019: 14.3×FY 2020: 16.3×FY 2021: 12.6×FY 2022: 25.0×FY 2023: 17.0×FY 2024: 28.8×FY 2025: 11.2×
FY 2016 5y median 17.0× FY 2025
P/S 1.0×
FY 2016: 1.1×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.4× FY 2025
P/B 1.4×
FY 2016: 1.7×FY 2017: 2.0×FY 2018: 2.0×FY 2019: 1.8×FY 2020: 1.5×FY 2021: 1.7×FY 2022: 2.1×FY 2023: 2.1×FY 2024: 1.8×FY 2025: 1.4×
FY 2016 5y median 1.8× FY 2025
P/FCF 4.3×
FY 2016: 8.1×FY 2017: 9.4×FY 2018: 8.3×FY 2019: 8.7×FY 2020: 7.5×FY 2021: 6.6×FY 2022: 6.9×FY 2023: 8.2×FY 2024: 5.3×FY 2025: 4.3×
FY 2016 5y median 6.6× FY 2025
EV/EBITDA 9.1×
FY 2016: 9.6×FY 2017: 11.3×FY 2018: 14.4×FY 2019: 10.4×FY 2020: 11.7×FY 2021: 9.3×FY 2022: 16.8×FY 2023: 12.8×FY 2024: 19.2×FY 2025: 9.1×
FY 2016 5y median 12.8× FY 2025
EV/Sales 1.1×
FY 2016: 1.3×FY 2017: 1.5×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.6×FY 2021: 1.6×FY 2022: 1.7×FY 2023: 1.6×FY 2024: 1.3×FY 2025: 1.1×
FY 2016 5y median 1.6× FY 2025
FCF Yield 23.4%
FY 2016: 12.3%FY 2017: 10.7%FY 2018: 12.1%FY 2019: 11.5%FY 2020: 13.3%FY 2021: 15.1%FY 2022: 14.4%FY 2023: 12.1%FY 2024: 18.8%FY 2025: 23.4%
FY 2016 5y median 15.1% FY 2025

Profitability

Gross Margin 40.9%
FY 2016: 12.2%FY 2017: 13.1%FY 2018: 10.1%FY 2019: 14.1%FY 2020: 12.3%FY 2021: 16.7%FY 2022: 9.6%FY 2023: 12.2%FY 2024: 6.6%FY 2025: 40.9%
FY 2016 5y median 12.2% FY 2025
Operating Margin 11.0%
FY 2016: 9.6%FY 2017: 10.6%FY 2018: 8.2%FY 2019: 11.8%FY 2020: 10.4%FY 2021: 15.0%FY 2022: 7.9%FY 2023: 10.8%FY 2024: 5.3%FY 2025: 11.0%
FY 2016 5y median 10.8% FY 2025
Net Margin 8.7%
FY 2016: 6.9%FY 2017: 6.8%FY 2018: 6.9%FY 2019: 9.5%FY 2020: 8.4%FY 2021: 12.0%FY 2022: 6.3%FY 2023: 8.6%FY 2024: 4.3%FY 2025: 8.7%
FY 2016 5y median 8.6% FY 2025
ROE 12.9%
FY 2016: 10.3%FY 2017: 9.9%FY 2018: 10.0%FY 2019: 12.4%FY 2020: 9.0%FY 2021: 13.5%FY 2022: 8.9%FY 2023: 12.4%FY 2024: 6.6%FY 2025: 12.9%
FY 2016 5y median 12.4% FY 2025
ROIC 4.0%
FY 2016: 2.8%FY 2017: 2.9%FY 2018: 3.0%FY 2019: 4.0%FY 2020: 3.2%FY 2021: 4.9%FY 2022: 2.8%FY 2023: 4.1%FY 2024: 2.1%FY 2025: 4.0%
FY 2016 5y median 4.0% FY 2025
ROA 3.3%
FY 2016: 2.4%FY 2017: 2.4%FY 2018: 2.4%FY 2019: 3.3%FY 2020: 2.7%FY 2021: 4.1%FY 2022: 2.3%FY 2023: 3.3%FY 2024: 1.7%FY 2025: 3.3%
FY 2016 5y median 3.3% FY 2025

Growth (YoY)

Revenue 9.8%
FY 2016: 7.1%FY 2017: 8.1%FY 2018: 4.7%FY 2019: 10.1%FY 2020: 2.7%FY 2021: 15.6%FY 2022: 5.3%FY 2023: 18.9%FY 2024: 14.9%FY 2025: 9.8%
FY 2016 FY 2025
Operating Income 128.5%
FY 2016: -5.5%FY 2017: 19.1%FY 2018: -19.2%FY 2019: 58.9%FY 2020: -9.9%FY 2021: 66.8%FY 2022: -44.6%FY 2023: 63.6%FY 2024: -43.7%FY 2025: 128.5%
FY 2016 FY 2025
EPS (diluted) 131.6%
FY 2016: -5.3%FY 2017: 5.2%FY 2018: 5.6%FY 2019: 51.0%FY 2020: -9.7%FY 2021: 58.9%FY 2022: -45.5%FY 2023: 65.0%FY 2024: -44.7%FY 2025: 131.6%
FY 2016 FY 2025
Free Cash Flow 11.7%
FY 2016: -14.8%FY 2017: 17.4%FY 2018: 20.1%FY 2019: 1.7%FY 2020: 19.1%FY 2021: 40.8%FY 2022: 3.6%FY 2023: -5.2%FY 2024: 45.2%FY 2025: 11.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Quick Ratio 0.6×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Debt / Equity 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA 1.5×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 1.5×FY 2019: 1.3×FY 2020: 1.5×FY 2021: 0.8×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
Interest Coverage 12.0×
FY 2016: 9.7×FY 2017: 10.8×FY 2018: 8.7×FY 2019: 10.0×FY 2020: 9.8×FY 2021: 17.3×FY 2022: 9.7×FY 2023: 15.9×FY 2024: 8.9×FY 2025: 12.0×
FY 2016 5y median 12.0× FY 2025

Dividends

Dividend Yield 2.0%
FY 2016: 1.3%FY 2017: 1.1%FY 2018: 1.2%FY 2019: 1.2%FY 2020: 1.4%FY 2021: 1.4%FY 2022: 1.4%FY 2023: 1.4%FY 2024: 1.7%FY 2025: 2.0%
FY 2016 5y median 1.4% FY 2025
Payout Ratio 21.9%
FY 2016: 21.3%FY 2017: 21.9%FY 2018: 23.5%FY 2019: 17.6%FY 2020: 22.1%FY 2021: 17.2%FY 2022: 33.8%FY 2023: 22.7%FY 2024: 45.5%FY 2025: 21.9%
FY 2016 5y median 22.7% FY 2025

Annual · latest fiscal year ends 2025-12-31