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Upturn AI SWOT - About
SIGI 
Selective Insurance Group Inc (SIGI)
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Upturn Advisory Summary
08/28/2025: SIGI (1-star) is currently NOT-A-BUY. Pass it for now.
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 $85
1 Year Target Price $85
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -40.66% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.76B USD | Price to earnings Ratio 12.8 | 1Y Target Price 85 |
Price to earnings Ratio 12.8 | 1Y Target Price 85 | ||
Volume (30-day avg) 7 | Beta 0.47 | 52 Weeks Range 71.40 - 102.14 | Updated Date 08/29/2025 |
52 Weeks Range 71.40 - 102.14 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.91% | 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 12.8 | Forward PE 10.26 | Enterprise Value 5856626251 | Price to Sales(TTM) 0.93 |
Enterprise Value 5856626251 | Price to Sales(TTM) 0.93 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA - | Shares Outstanding 60850300 | Shares Floating 60227197 |
Shares Outstanding 60850300 | Shares Floating 60227197 | ||
Percent Insiders 1.19 | Percent Institutions 87.68 |
Upturn AI SWOT
Selective Insurance Group Inc
Company Overview
History and Background
Selective Insurance Group, Inc. was founded in 1926 in Branchville, NJ, as a single-state, workers' compensation carrier. It has grown through organic expansion and strategic acquisitions, evolving into a diversified regional property and casualty insurance company operating across the United States.
Core Business Areas
- Commercial Lines: Offers a range of insurance products for businesses, including commercial auto, workers' compensation, property, liability, and umbrella coverage.
- Personal Lines: Provides insurance products for individuals and families, including homeowners, auto, flood, and personal umbrella policies.
- Specialty Lines: Includes excess and surplus lines coverage, targeting specialized risks and niche markets.
Leadership and Structure
Selective Insurance Group Inc. is led by its Chief Executive Officer, John J. Marchioni. The organizational structure includes various executive vice presidents overseeing different functional areas such as underwriting, claims, technology, and finance. The company operates through regional offices and a network of independent insurance agents.
Top Products and Market Share
Key Offerings
- Commercial Auto Insurance: Provides coverage for vehicles used for business purposes. Market share data is fragmented across many regional players and is not distinctly available. Competitors include Travelers, The Hartford, and Liberty Mutual.
- Homeowners Insurance: Protects homeowners from financial losses due to covered perils. Competitors include: Allstate, State Farm, and Progressive.
- Workers' Compensation Insurance: Offers coverage for employee injuries and illnesses sustained on the job. Competitors include: Travelers, Hartford, and Chubb.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as economic conditions, interest rates, regulatory changes, and catastrophic events.
Positioning
Selective Insurance Group Inc. is positioned as a regional carrier focused on providing specialized products and personalized service through independent agents. Its competitive advantage lies in its strong agent relationships and deep understanding of local markets.
Total Addressable Market (TAM)
The U.S. property and casualty insurance market is estimated to be in the hundreds of billions of dollars annually. Selective Insurance Group Inc. is positioned to capture a portion of this TAM through its regional focus and specialized product offerings.
Upturn SWOT Analysis
Strengths
- Strong independent agent network
- Regional market expertise
- Diversified product offerings
- Solid financial strength ratings
Weaknesses
- Limited brand recognition compared to national carriers
- Geographic concentration in certain regions
- Susceptibility to regional economic downturns
- Dependence on independent agents for distribution
Opportunities
- Expansion into new geographic markets
- Development of innovative insurance products
- Leveraging technology to improve efficiency and customer experience
- Strategic acquisitions to expand market share
Threats
- Increased competition from national carriers
- Rising claims costs due to inflation and catastrophic events
- Regulatory changes impacting insurance pricing and coverage
- Economic downturns reducing demand for insurance products
Competitors and Market Share
Key Competitors
- TRV
- HIG
- CINF
- WRB
Competitive Landscape
Selective Insurance Group Inc. faces competition from larger national carriers with greater brand recognition and financial resources. However, it differentiates itself through its regional focus, strong agent relationships, and specialized product offerings. The company needs to continue to leverage its strengths to maintain its competitive position.
Growth Trajectory and Initiatives
Historical Growth: Selective Insurance Group Inc.u2019s growth trends over the past years will vary based on recent financial information and are dependent on financial information
Future Projections: Projections for Selective Insurance Group Inc.u2019s future growth based on analyst estimates will vary and are dependent on financial information.
Recent Initiatives: Recent strategic initiatives undertaken by Selective Insurance Group Inc. include expanding its presence in key markets, investing in technology to improve operational efficiency, and developing new insurance products to meet evolving customer needs.
Summary
Selective Insurance Group is a regional insurer with solid strengths like its independent agent network and regional expertise. Its smaller size compared to national carriers is a weakness. Opportunities exist for geographic expansion and technological advancement. Rising claims and economic downturns pose external threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Research Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data are estimates and may vary depending on the source. Financial data needs to be updated for accuracy.
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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