Selective Insurance Group Inc
SIGI—
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Selective Insurance Group Inc AI Insights
Informational only. Not investment advice.Snapshot
- FCF of 1.15B TTM on 5.2B revenue = 22% FCF margin, converting 97% of operating cash flow to free cash[Free Cash Flow TTM]
- Goodwill just 7.8M (0.2% of equity) - virtually no impairment risk vs peers with bloated intangibles[Goodwill]
- 3Y revenue CAGR 15.0% vs industry median 9.1% - gaining share in specialty insurance[Total Revenue 3Y Growth]
Watch Triggers
- Net Margin TTM: Rises above 10% (industry median) — Would signal underwriting improvement and validate growth quality
- Debt to Equity: Falls below 0.20 — Confirms FCF deployment toward delevering, unlocking buyback capacity
- ROE TTM: Exceeds 15% — Validates capital allocation thesis and margin expansion
Bull Case
Elite cash conversion: 97% of 1.19B operating cash flows to FCF (capex just 36M). Clean balance sheet with 0.27 debt/equity enables opportunistic M&A or accelerated buybacks.
Free Cash Flow TTMDebt to EquityCapital Expenditure TTM
Outgrowing industry at 15% 3Y CAGR vs 9.1% median while maintaining ROA at industry median - disciplined underwriting during expansion phase.
Total Revenue 3Y GrowthROA TTM
Bear Case
Net margin 7.8% TTM trails industry median 10.9% - pricing power or loss ratio concerns despite revenue growth. Margin compression risk in hard market turn.
Net Margin TTM
ROE 13% and ROIC 10.1% below industry medians (14.5%, 6.3%) - capital efficiency lags despite clean balance sheet. Growth may be dilutive.
ROE TTMROIC TTM
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
55%
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Forward Thesis
FCF generation should fund debt reduction and buybacks, lifting ROE above 15% by FY2027
1-3ymed
- 1.15B FCF vs 902M total debt = full payoff capacity
- 36M buybacks already underway TTM
- ROE at 13% with room to optimize capital
Debt/equity 0.27 vs FCF yield 35% on debtNet debt 898M, FCF covers 1.3x annuallyROE TTM 13.0%, ROIC 10.1%
Valuation Context
Caveats
Public Strategies Rankings
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SIGI Fundamentals
Finance and Insurance → Insurance Carriers and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$4.85B | — | ||
$5.75B | — | ||
11 | — | ||
$5.34B | +9.8% | — | |
$7.49 | +131.9% | — | |
0% | — | ||
8.74% | +4.5% | — | |
$1.19B | +11.7% | — | |
14.7% | +7.4% | — | |
Beta 5Y (Monthly) | unknown | — |
SIGI Dividend History
105 dividends
2026
$0.430002/13/26$0.4300
2025
$1.570011/14/25$0.4300
08/15/25$0.3800
05/15/25$0.3800
02/14/25$0.3800
2024
$1.430011/15/24$0.3800
08/15/24$0.3500
05/14/24$0.3500
02/14/24$0.3500
2023
$1.250011/14/23$0.3500
08/14/23$0.3000
05/12/23$0.3000
02/14/23$0.3000
2022
$1.140011/14/22$0.3000
08/12/22$0.2800
05/13/22$0.2800
02/14/22$0.2800
2021
$1.030011/12/21$0.2800
08/12/21$0.2500
05/13/21$0.2500
02/11/21$0.2500
2020
$0.940011/12/20$0.2500
08/13/20$0.2300
05/15/20$0.2300
02/13/20$0.2300
2019
$0.830011/14/19$0.2300
08/14/19$0.2000
05/14/19$0.2000
02/14/19$0.2000
2018
$0.740011/14/18$0.2000
08/14/18$0.1800
05/14/18$0.1800
02/14/18$0.1800
2017
$0.660011/14/17$0.1800
08/11/17$0.1600
05/11/17$0.1600
02/13/17$0.1600
2016
$0.610011/10/16$0.1600
08/11/16$0.1500
05/12/16$0.1500
02/11/16$0.1500
2015
$0.570011/10/15$0.1500
08/12/15$0.1400
05/13/15$0.1400
02/11/15$0.1400
2014
$0.530011/12/14$0.1400
08/13/14$0.1300
05/13/14$0.1300
02/12/14$0.1300
2013
$0.520011/13/13$0.1300
08/13/13$0.1300
05/13/13$0.1300
02/13/13$0.1300
2012
$0.520011/13/12$0.1300
08/13/12$0.1300
05/11/12$0.1300
02/13/12$0.1300
2011
$0.520011/10/11$0.1300
08/11/11$0.1300
05/11/11$0.1300
02/11/11$0.1300
2010
$0.520011/09/10$0.1300
08/11/10$0.1300
05/12/10$0.1300
02/10/10$0.1300
2009
$0.520011/10/09$0.1300
08/12/09$0.1300
05/13/09$0.1300
02/11/09$0.1300
2008
$0.520011/12/08$0.1300
08/13/08$0.1300
05/13/08$0.1300
02/13/08$0.1300
2007
$0.610011/13/07$0.1300
08/13/07$0.1200
05/11/07$0.1200
02/09/07$0.2400
2006
$0.440011/13/06$0.1100
08/11/06$0.1100
05/11/06$0.1100
02/13/06$0.1100
2005
$0.395011/10/05$0.1100
08/11/05$0.0950
05/12/05$0.0950
02/11/05$0.0950
2004
$0.350011/10/04$0.0950
08/12/04$0.0850
05/06/04$0.0850
02/12/04$0.0850
2003
$0.310011/13/03$0.0850
08/14/03$0.0750
05/15/03$0.0750
02/13/03$0.0750
2002
$0.300011/14/02$0.0750
08/15/02$0.0750
05/16/02$0.0750
02/14/02$0.0750
2001
$0.300011/15/01$0.0750
08/16/01$0.0750
05/11/01$0.0750
02/15/01$0.0750
2000
$0.300011/13/00$0.0750
08/11/00$0.0750
05/11/00$0.0750
02/11/00$0.0750
SIGI Stock Splits
1 stock split
02/21/070.5:1 split
SIGI SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
02/09/26 | 12/31/25 | 10-K | |
10/24/25 | 09/30/25 | 10-Q | |
07/25/25 | 06/30/25 | 10-Q | |
04/25/25 | 03/31/25 | 10-Q | |
02/10/25 | 12/31/24 | 10-K | |
10/25/24 | 09/30/24 | 10-Q | |
07/26/24 | 06/30/24 | 10-Q | |
05/02/24 | 03/31/24 | 10-Q | |
02/09/24 | 12/31/23 | 10-K | |
11/02/23 | 09/30/23 | 10-Q | |
08/03/23 | 06/30/23 | 10-Q | |
05/04/23 | 03/31/23 | 10-Q | |
02/10/23 | 12/31/22 | 10-K | |
11/03/22 | 09/30/22 | 10-Q | |
08/04/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
02/11/22 | 12/31/21 | 10-K | |
10/28/21 | 09/30/21 | 10-Q | |
07/29/21 | 06/30/21 | 10-Q | |
04/29/21 | 03/31/21 | 10-Q | |
02/12/21 | 12/31/20 | 10-K | |
10/29/20 | 09/30/20 | 10-Q | |
07/31/20 | 06/30/20 | 10-Q | |
05/06/20 | 03/31/20 | 10-Q | |
02/12/20 | 12/31/19 | 10-K | |
10/31/19 | 09/30/19 | 10-Q | |
08/01/19 | 06/30/19 | 10-Q | |
05/02/19 | 03/31/19 | 10-Q | |
02/15/19 | 12/31/18 | 10-K | |
10/26/18 | 09/30/18 | 10-Q | |
08/02/18 | 06/30/18 | 10-Q | |
05/03/18 | 03/31/18 | 10-Q | |
02/20/18 | 12/31/17 | 10-K | |
10/26/17 | 09/30/17 | 10-Q | |
07/27/17 | 06/30/17 | 10-Q | |
04/27/17 | 03/31/17 | 10-Q | |
02/22/17 | 12/31/16 | 10-K | |
10/27/16 | 09/30/16 | 10-Q | |
07/28/16 | 06/30/16 | 10-Q | |
05/05/16 | 03/31/16 | 10-Q | |
02/24/16 | 12/31/15 | 10-K | |
02/23/18 | 12/31/15 | 10-K/A | |
10/29/15 | 09/30/15 | 10-Q | |
07/30/15 | 06/30/15 | 10-Q | |
04/30/15 | 03/31/15 | 10-Q | |
02/26/15 | 12/31/14 | 10-K | |
10/30/14 | 09/30/14 | 10-Q | |
07/31/14 | 06/30/14 | 10-Q | |
04/24/14 | 03/31/14 | 10-Q | |
02/28/14 | 12/31/13 | 10-K | |
10/31/13 | 09/30/13 | 10-Q | |
08/01/13 | 06/30/13 | 10-Q | |
04/25/13 | 03/31/13 | 10-Q | |
02/21/13 | 12/31/12 | 10-K | |
10/25/12 | 09/30/12 | 10-Q | |
07/26/12 | 06/30/12 | 10-Q | |
04/26/12 | 03/31/12 | 10-Q | |
02/24/12 | 12/31/11 | 10-K | |
10/27/11 | 09/30/11 | 10-Q | |
07/28/11 | 06/30/11 | 10-Q | |
04/28/11 | 03/31/11 | 10-Q | |
02/25/11 | 12/31/10 | 10-K | |
10/28/10 | 09/30/10 | 10-Q | |
07/29/10 | 06/30/10 | 10-Q | |
04/29/10 | 03/31/10 | 10-Q | |
02/24/10 | 12/31/09 | 10-K | |
10/29/09 | 09/30/09 | 10-Q | |
07/30/09 | 06/30/09 | 10-Q | |
04/30/09 | 03/31/09 | 10-Q | |
02/27/09 | 12/31/08 | 10-K | |
10/31/08 | 09/30/08 | 10-Q | |
08/01/08 | 06/30/08 | 10-Q | |
05/02/08 | 03/31/08 | 10-Q | |
02/28/08 | 12/31/07 | 10-K | |
11/02/07 | 09/30/07 | 10-Q | |
08/09/07 | 06/30/07 | 10-Q | |
05/02/07 | 03/31/07 | 10-Q | |
03/01/07 | 12/31/06 | 10-K | |
11/03/06 | 09/30/06 | 10-Q | |
08/04/06 | 06/30/06 | 10-Q | |
05/05/06 | 03/31/06 | 10-Q | |
03/01/06 | 12/31/05 | 10-K | |
10/28/05 | 09/30/05 | 10-Q | |
08/05/05 | 06/30/05 | 10-Q | |
05/05/05 | 03/31/05 | 10-Q | |
03/02/05 | 12/31/04 | 10-K | |
11/05/04 | 09/30/04 | 10-Q | |
08/04/04 | 06/30/04 | 10-Q | |
04/30/04 | 03/31/04 | 10-Q | |
03/02/04 | 12/31/03 | 10-K | |
11/12/03 | 09/30/03 | 10-Q | |
08/12/03 | 06/30/03 | 10-Q | |
05/14/03 | 03/31/03 | 10-Q | |
03/19/03 | 12/31/02 | 10-K | |
11/14/02 | 09/30/02 | 10-Q | |
08/14/02 | 06/30/02 | 10-Q | |
05/14/02 | 03/31/02 | 10-Q | |
03/28/02 | 12/31/01 | 10-K | |
11/13/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/31/01 | 10-Q | |
04/02/01 | 12/31/00 | 10-K | |
11/14/00 | 09/30/00 | 10-Q | |
08/14/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/31/00 | 10-Q |