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

$100.57-0.19(<0.01%)Pre-market

Market Cap

$5.96B

P/E

11.7x

P/S

1.1x

P/B

1.7x

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

GoodMetricSide Score: 78/100

Strongest: Profitability (21/25); weakest: Cash & Earnings Quality (18/25).

Profitability21/25

Growth19/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality18/25

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 · 11.7x5y range 10.0x – 27.5x

Currently below its 20-quarter median.

P/S · 1.1x5y range 0.8x – 1.6x

Currently near its 20-quarter median.

P/B · 1.7x5y range 1.3x – 2.4x

Price & Volume

Market Cap $5.96B

Metrics at a Glance

as of September 2026

Revenue & Profit

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

TTM Revenue: $5.44B
Q. Revenue: $1.33B
TTM EBITDA: $705.09M
TTM Op. Income: $665.13M
Q. Op. Income: $181.53M
TTM Net Income: $510.94M
Q. Net Income: $128.65M
EPS: $2.13
Shares Out.: $59.27M

$5.44B in TTM revenue grew 4.0% YoY, reaching $1.33B last quarter. TTM EBITDA of $705.09M and TTM operating income of $665.13M show growth is flowing through to the bottom line. TTM net income of $510.94M means revenue is converting into profit. Over the past year, TTM revenue is up 4% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 14.3%
Op. Margin: 13.7%
Net Margin: 9.7%

Op. margin of 13.7% is up 3.6% YoY — cost efficiency is improving. Net margin at 9.7% Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

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

P/E Ratio: 11.7x
P/S Ratio: 1.1x
P/B Ratio: 1.7x

At 11.7x P/E, the stock trades below typical market levels. P/S of 1.1x and P/B of 1.7x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 1% — an improving trend.

Assets & Liabilities

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

Total Assets: $15.71B
Cash: $15.37M
Long-Term Debt: $901.52M
Book Value: $3.45B
D/E Ratio: 0.3
Debt/EBITDA: 4.8

With $15.71B in assets and $901.52M in long-term debt, D/E is 0.3and book value is $3.45B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 1% — a weakening trend.

Cash Flow

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

Op. Cash Flow: $367.24M
TTM Free Cash Flow: $1.14B
FCF Margin: 20.9%
FCF / Net Income: 2.2

TTM FCF of $1.14B on $367.24M in operating cash flow. The FCF / Net Income ratio of 2.2x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 1% — a weakening trend.