Selective Insurance Group Inc (SIGI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Selective Insurance Group Inc stock (SIGI) is currently trading at $73.72. Selective Insurance Group Inc PE ratio is 9.95. Selective Insurance Group Inc PS ratio (Price-to-Sales) is 0.83. Analyst consensus price target for SIGI is $88.43. WallStSmart rates SIGI as Moderate Buy.
- SIGI PE ratio analysis and historical PE chart
- SIGI PS ratio (Price-to-Sales) history and trend
- SIGI intrinsic value — DCF, Graham Number, EPV models
- SIGI stock price prediction 2025 2026 2027 2028 2029 2030
- SIGI fair value vs current price
- SIGI insider transactions and insider buying
- Is SIGI undervalued or overvalued?
- Selective Insurance Group Inc financial analysis — revenue, earnings, cash flow
- SIGI Piotroski F-Score and Altman Z-Score
- SIGI analyst price target and Smart Rating
Selective Insurance Group Inc
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SIGI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Selective Insurance Group Inc (SIGI)
SIGI trades at a significant discount to its Graham intrinsic value of $346.79, offering a 74% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Selective Insurance Group Inc (SIGI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Selective Insurance Group Inc (SIGI) Key Strengths (6)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 65.80% year-over-year
89.36% of shares held by major funds and institutions
Trading at 1.30x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Selective Insurance Group Inc (SIGI) Areas to Watch (4)
Modest revenue growth at 8.60%
Thin profit margins with limited profitability
Moderate profitability with room for improvement
Decent operational efficiency, solid but not exceptional
Selective Insurance Group Inc (SIGI) Detailed Analysis Report
Overall Assessment
This company scores 74/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, EPS Growth. Valuation metrics including PEG Ratio (0.28), Price/Sales (0.83), Price/Book (1.30) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 65.80%.
The Bear Case
The primary concerns are Revenue Growth, Profit Margin, Return on Equity. Growth concerns include Revenue Growth at 8.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.90%, Operating Margin at 15.30%, Profit Margin at 8.74%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 8.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Sales makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SIGI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SIGI's Price-to-Sales ratio of 0.83x sits near its historical average of 0.96x (54th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 60% below its historical high of 2.06x set in Dec 2006, and 85% above its historical low of 0.45x in Apr 2009. Over the past 12 months, the PS ratio has compressed from ~1.0x as trailing revenue scaled faster than the stock price.
Compare SIGI with Competitors
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Data-driven financial summary for Selective Insurance Group Inc (SIGI) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Selective Insurance Group Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 5.3B with 9% growth year-over-year. Profit margins are thin at 8.7%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 378M in free cash flow and 388M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 0.25 indicates a conservative balance sheet with 300,000 in cash.
What to Watch Next
Margin expansion: can Selective Insurance Group Inc push profit margins above 15% as the business scales?
Debt management: total debt of 902M is significantly higher than cash (300,000). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Selective Insurance Group Inc.
Bottom Line
Selective Insurance Group Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(13 last 3 months)
| Insider | Type | Shares |
|---|---|---|
HARNETT, ANTHONY D. SVP, Chief Accounting Officer | Sell | -1,064 |
Data sourced from SEC Form 4 filings
Last updated: 2:52:25 PM
About Selective Insurance Group Inc(SIGI)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Selective Insurance Group, Inc., offers insurance products and services in the United States. The company is headquartered in Branchville, New Jersey.