Selective Insurance Group (SIGI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Selective Insurance Group

NasdaqGS•Financial Services•Insurance - Property & Casualty

$86.70-0.42(<0.01%)Market closed

Market Cap

$5.20B

P/E

10.4x

P/S

0.9x

P/B

1.4x

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.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (21/25); weakest: Balance Sheet & Red Flags (20/25).

Profitability21/25

Growth21/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality21/25

Strengths

Rising earningsLow leverageInterest easily coveredCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.4x5y range 10.0x – 27.5x

Currently below its 20-quarter median.

P/S · 0.9x5y range 0.8x – 1.6x

Currently below its 20-quarter median.

P/B · 1.4x5y range 1.3x – 2.4x

Price & Volume

Market Cap $5.20B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $5.47B
Q. Revenue: $1.39B
TTM EBITDA: $661.07M
TTM Op. Income: $621.25M
Q. Op. Income: $150.87M
TTM Net Income: $497.63M
Q. Net Income: $129.38M
EPS: $2.13
Shares Out.: $59.66M

$5.47B in TTM revenue grew 7.0% YoY, reaching $1.39B last quarter. TTM EBITDA of $661.07M and TTM operating income of $621.25M show growth is flowing through to the bottom line. TTM net income of $497.63M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 11.4%
Op. Margin: 10.9%
Net Margin: 9.3%

Op. margin of 10.9% is up 3.0% YoY — cost efficiency is improving. Net margin at 9.3% Over the past year, operating margin is up 38% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.4x
P/S Ratio: 0.9x
P/B Ratio: 1.4x

At 10.4x P/E, the stock trades below typical market levels. P/S of 0.9x and P/B of 1.4x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 24% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $15.62B
Cash: $10.93M
Long-Term Debt: $900.96M
Book Value: $3.66B
D/E Ratio: 0.2
Debt/EBITDA: 5.7

With $15.62B in assets and $900.96M in long-term debt, D/E is 0.2and book value is $3.66B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 8% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $228.99M
TTM Free Cash Flow: $1.19B
FCF Margin: 21.7%
FCF / Net Income: 2.4

TTM FCF of $1.19B on $228.99M in operating cash flow. The FCF / Net Income ratio of 2.4x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 5% — an improving trend.