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SIGI 
Selective Insurance Group Inc (SIGI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/01/2025: 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 $83.43
1 Year Target Price $83.43
| 1 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -45.36% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.81B USD | Price to earnings Ratio 12.18 | 1Y Target Price 83.43 |
Price to earnings Ratio 12.18 | 1Y Target Price 83.43 | ||
Volume (30-day avg) 7 | Beta 0.26 | 52 Weeks Range 71.02 - 98.66 | Updated Date 12/1/2025 |
52 Weeks Range 71.02 - 98.66 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.93% | Basic EPS (TTM) 6.49 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.78% | Operating Margin (TTM) 11.69% |
Management Effectiveness
Return on Assets (TTM) 2.59% | Return on Equity (TTM) 12.22% |
Valuation
Trailing PE 12.18 | Forward PE 9.62 | Enterprise Value 5847627152 | Price to Sales(TTM) 0.92 |
Enterprise Value 5847627152 | Price to Sales(TTM) 0.92 | ||
Enterprise Value to Revenue 1.12 | Enterprise Value to EBITDA - | Shares Outstanding 60409116 | Shares Floating 59876308 |
Shares Outstanding 60409116 | Shares Floating 59876308 | ||
Percent Insiders 1.21 | Percent Institutions 87.37 |
Upturn AI SWOT
Selective Insurance Group Inc
Company Overview
History and Background
Selective Insurance Group, Inc. was founded in 1926. Originally a single-state workers' compensation carrier in New Jersey, it has grown into a super-regional property and casualty insurance company operating across the United States.
Core Business Areas
- Commercial Lines: Provides a range of insurance products and services for businesses, including property, casualty, and workers' compensation coverage.
- Personal Lines: Offers personal auto, homeowners, flood, and personal umbrella insurance to individuals and families.
- Specialty Lines: Includes excess and surplus lines coverage and other specialized insurance products.
Leadership and Structure
The company is led by John J. Marchioni (President and CEO). Selective operates with a decentralized structure with regional underwriting and claims operations.
Top Products and Market Share
Key Offerings
- Commercial Property Insurance: Provides coverage for businesses against damage or loss to their physical assets, like buildings and equipment. Market share is not publicly available at a granular product level. Competitors: Travelers, Chubb, Liberty Mutual.
- Workers' Compensation Insurance: Covers medical expenses and lost wages for employees injured on the job. Market share is not publicly available at a granular product level. Competitors: Hartford, Zurich, Berkshire Hathaway GUARD.
- Personal Auto Insurance: Offers coverage for individuals against losses or damages involving their vehicles. Market share is not publicly available at a granular product level. Competitors: State Farm, GEICO, Progressive.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and cyclical, influenced by factors such as interest rates, catastrophic events, and regulatory changes.
Positioning
Selective Insurance Group positions itself as a super-regional carrier, focusing on strong relationships with independent agents and providing specialized underwriting expertise, especially for small to mid-sized businesses.
Total Addressable Market (TAM)
The total addressable market for property and casualty insurance in the US is estimated to be over $800 billion. Selective Insurance Group, as a regional player, captures a smaller fraction of this TAM. Their focus on niche markets strengthens its position within its segments.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Specialized underwriting expertise
- Super-regional focus
- Disciplined underwriting practices
- Effective claims management
Weaknesses
- Geographic concentration (super-regional)
- Smaller scale compared to national carriers
- Vulnerability to regional economic downturns
- Dependence on independent agent network
Opportunities
- Expanding into new geographic markets
- Developing new insurance products and services
- Leveraging technology to improve efficiency
- Acquiring smaller insurance companies or books of business
- Capitalizing on favorable pricing environment
Threats
- Catastrophic events (e.g., hurricanes, wildfires)
- Increased competition from national carriers
- Changing regulatory environment
- Economic downturns
- Rising reinsurance costs
Competitors and Market Share
Key Competitors
- TRV
- CB
- HIG
- ALL
Competitive Landscape
Selective Insurance Group's advantage lies in its specialized underwriting and strong agency relationships within its super-regional footprint. Its disadvantage compared to larger national carriers is its smaller scale and geographic concentration.
Major Acquisitions
Mesa Underwriters Specialty Insurance Company (MUS)
- Year: 2018
- Acquisition Price (USD millions): 170
- Strategic Rationale: Expanding Selective's presence in the excess and surplus lines market.
Growth Trajectory and Initiatives
Historical Growth: Selective Insurance Group has shown steady growth over the past several years, driven by a combination of organic growth and acquisitions.
Future Projections: Analyst estimates project continued growth for Selective Insurance Group, fueled by a favorable pricing environment in the property and casualty insurance market and its super-regional focus. Analysts are expecting around 5% growth YoY.
Recent Initiatives: Recent strategic initiatives undertaken by Selective Insurance Group include expanding its presence in targeted geographic markets and investing in technology to improve its underwriting and claims processes.
Summary
Selective Insurance Group is a financially stable super-regional carrier with strong agency relationships. Its underwriting expertise and focus on niche markets are working well, providing a competitive advantage. The company needs to be mindful of competition from larger national carriers, vulnerability to regional economic downturns and possible catastrophic events. Diversification and product offerings are good to maintain long term sustainability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share percentages are estimates and may vary. Financial data may be delayed. Conduct thorough research before making any investment decisions.
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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