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Upturn AI SWOT - About
SIGI 
Selective Insurance Group Inc (SIGI)
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Upturn Advisory Summary
10/17/2025: SIGI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $84
1 Year Target Price $84
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -42.33% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.94B USD | Price to earnings Ratio 13.28 | 1Y Target Price 84 |
Price to earnings Ratio 13.28 | 1Y Target Price 84 | ||
Volume (30-day avg) 7 | Beta 0.39 | 52 Weeks Range 71.40 - 102.14 | Updated Date 10/18/2025 |
52 Weeks Range 71.40 - 102.14 | Updated Date 10/18/2025 | ||
Dividends yield (FY) 1.85% | Basic EPS (TTM) 6.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.5% | Operating Margin (TTM) 9.21% |
Management Effectiveness
Return on Assets (TTM) 2.56% | Return on Equity (TTM) 12.2% |
Valuation
Trailing PE 13.28 | Forward PE 10.04 | Enterprise Value 6103678485 | Price to Sales(TTM) 0.97 |
Enterprise Value 6103678485 | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 1.19 | Enterprise Value to EBITDA - | Shares Outstanding 60850304 | Shares Floating 60227197 |
Shares Outstanding 60850304 | Shares Floating 60227197 | ||
Percent Insiders 1.19 | Percent Institutions 86.69 |
Upturn AI SWOT
Selective Insurance Group Inc
Company Overview
History and Background
Selective Insurance Group, Inc. was founded in 1926. Initially a single-state workers' compensation carrier in New Jersey, it expanded geographically and diversified its product offerings to become a super-regional property and casualty insurance company.
Core Business Areas
- Standard Commercial Lines: Offers a range of insurance products for businesses, including property, casualty, workers' compensation, and commercial auto coverage.
- Personal Lines: Provides personal insurance products such as homeowners, auto, and umbrella coverage.
- Specialty Lines: Focuses on niche markets and specialized insurance products, including excess and surplus lines coverage and flood insurance.
Leadership and Structure
The company is led by its Chief Executive Officer (CEO) and operates with a structured management team overseeing various business units and functional areas. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for physical damage to commercial properties. Selective competes with companies like Travelers, Chubb, and Hartford. Market share data is difficult to pinpoint precisely, but Selective holds a smaller portion than larger national players.
- Commercial Auto Insurance: Offers liability and physical damage coverage for commercial vehicles. Competitors include Progressive, Liberty Mutual, and Travelers. Market share data is not readily available, but Selective competes within a fragmented market.
- Workers' Compensation Insurance: Coverage for employee injuries and illnesses. Competitors are Hartford, Travelers, and State Fund in California. Selective competes within a regional focused market.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and subject to economic cycles, regulatory changes, and catastrophic events. It is currently experiencing upward pressure on premiums due to inflation and increasing reinsurance costs.
Positioning
Selective is positioned as a super-regional carrier focused on providing superior customer service and building strong relationships with independent agents. Their niche focus differentiates them from larger national players.
Total Addressable Market (TAM)
The U.S. P&C insurance market is estimated at over $800 billion. Selective's TAM is the portion of this market within its geographical footprint and target segments. Selective holds a relatively small portion, indicating substantial growth potential within their target market.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Super-regional focus allows for localized expertise
- Solid financial strength ratings
- Diversified product offerings
Weaknesses
- Smaller scale compared to national players
- Geographic concentration makes it susceptible to regional events
- Reliance on independent agents for distribution
Opportunities
- Expanding into new geographic markets
- Developing new specialized insurance products
- Leveraging technology to improve efficiency
- Capitalizing on favorable pricing environment
Threats
- Increased competition from national carriers
- Catastrophic events can impact profitability
- Changes in regulatory environment
- Economic downturn could reduce demand for insurance
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
- PGR
Competitive Landscape
Selective's competitive advantage lies in its super-regional focus and strong agent relationships. National carriers have greater scale and brand recognition. Selective must continue to innovate and provide superior service to maintain its competitive position.
Major Acquisitions
Mountain Valley Indemnity Company
- Year: 2024
- Acquisition Price (USD millions): 177.5
- Strategic Rationale: Expand Selectiveu2019s flood footprint and underwriting expertise in the flood insurance marketplace.
Growth Trajectory and Initiatives
Historical Growth: Selective has grown organically and through strategic acquisitions. Describe trends based on extracted financial data.
Future Projections: Future growth estimates need to be taken from available analyst projections.
Recent Initiatives: Recent strategic initiatives needs to come from Selective's press releases and investor presentations.
Summary
Selective Insurance is a financially sound company with a super-regional focus and strong agent relationships. Its smaller size compared to national players can limit its growth, but it has opportunites to expand its product lines and leverage technology. Selective needs to monitor competition and economic changes to maintain profitability and continue growing in the market. The recent acquisition of Mountain Valley Indemnity Company for expanding it's flood offering is positive
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Company investor relations website
- Industry reports
- Analyst estimates
- Company press releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary. Forward-looking statements are subject to risks and uncertainties.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Selective Insurance Group Inc
Exchange NASDAQ | Headquaters Branchville, NJ, United States | ||
IPO Launch date 1990-03-26 | CEO, President & Chairman Mr. John Joseph Marchioni CPCU | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 2800 | Website https://www.selective.com |
Full time employees 2800 | Website https://www.selective.com | ||
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 employee injuries in the course of employment and bodily injury and/or property damage to a third party; 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.
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