SIGI
Selective Insurance Group, Inc.
SIGI's fundamentals are mixed, but it looks cheap: trading at 12x earnings, below its usual 17x. Analysts expect strong earnings growth.
SIGI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
SIGI's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like SIGI.
SIGI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $98.60 | -4.6% |
| Current | 12x | $103 | — |
| Forward | 12x | $103 | — |
| Fair | 17x | $140 | +36% |
| Expensive | 24x | $202 | +95% |
Historical ranges are pointers, not guarantees.
SIGI's PE is in its cheap range at 12.4x. If earnings grow as analysts expect, today's price would be 11.5x next year's earnings.
SIGI Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Decline | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect SIGI's earnings to grow and its profitability to improve, but its revenue to decline.
SIGI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $8.96 | +7.7% |
| Q3 2026 | $8.32 | +28% |
| Q2 2026 | $8.06 | +32% |
| Q1 2026 | $7.31 | +99% |
| Q4 2025 | $7.49 | +132% |
| Q3 2025 | $6.50 | +75% |
| Q2 2025 | $6.12 | +67% |
| Q1 2025 | $3.68 | -35% |
| Q4 2024 | $3.23 | -45% |
SIGI earned $8.32 per share over the past year, up 28% from the year before.
SIGI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.3B | -2.5% |
| Q2 2026 | $1.4B | +4.5% |
| Q1 2026 | $1.4B | +5.7% |
| Q4 2025 | $1.4B | +8.6% |
| Q3 2025 | $1.4B | +9.3% |
| Q2 2025 | $1.3B | +11% |
| Q1 2025 | $1.3B | +10% |
| Q4 2024 | $1.3B | +13% |
SIGI's revenue has held roughly level: $1.3B last quarter, down 2.5% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +1.5 points |
| Q2 2026 | 12% | +3.5 points |
| Q1 2026 | 9.1% | -1.7 points |
| Q4 2025 | 14% | +4.9 points |
| Q3 2025 | 11% | +1.4 points |
| Q2 2025 | 8.2% | +15 points |
| Q1 2025 | 11% | +2 points |
| Q4 2024 | 9.5% | -4.7 points |
SIGI's operating margin was 12% last quarter, up 1.5 points from the same quarter a year ago.
SIGI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $347M | -13% |
| Q2 2026 | $214.9M | +35% |
| Q1 2026 | $210.5M | -22% |
| Q4 2025 | $366.3M | +13% |
| Q3 2025 | $397.3M | +5.1% |
| Q2 2025 | $159.7M | -38% |
| Q1 2025 | $271M | +151% |
| Q4 2024 | $324.7M | +42% |
SIGI's free cash flow was $1.1B over the past year, down 1.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like SIGI.
SIGI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -329K shares |
| 1 year | -1.9% | -1.2M shares |
| 3 years | -1.9% | -1.2M shares |
| 5 years | -0.4% | -271K shares |
| Available history | -0.3% | -151K shares |
SIGI has 60M diluted shares, down 1.9% from a year ago, with $153M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $55.6M |
| Q2 2026 | $32.4M |
| Q1 2026 | $35M |
| Q4 2025 | $30.5M |
| Q3 2025 | $36.6M |
| Q2 2025 | $258,000 |
| Q1 2025 | $25.2M |
| Q4 2024 | $81,000 |
SIGI spent $153M buying back its own shares over the past year, up 147% from the year before.
SIGI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Very low |
| Q2 2026 | -0.0x | Very low |
| Q1 2026 | -0.0x | Very low |
| Q4 2025 | -0.0x | Very low |
| Q3 2025 | -0.0x | Very low |
| Q2 2025 | -0.0x | Very low |
| Q1 2025 | -0.0x | Very low |
| Q4 2024 | 1.7x | Healthy |
SIGI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SIGI.
SIGI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.3 | Neutral |
| Stochastic | 83.0 | Overbought |
SIGI's weekly RSI is 68 (neutral) and its Stochastic is 83 (overbought).
SIGI PE vs Financial Services Sector
| Metric | SIGI | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 4.6% below |
| PE % | 23 | 63 | 40 pts below |
SIGI is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
SIGI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $92.9 | 11% above |
| 20 week MA | $93.5 | 10% above |
| 50 week MA | $87.8 | 18% above |
| 100 week MA | $86.1 | 20% above |
| 200 week MA | $92.1 | 12% above |
SIGI has climbed back above all five of its weekly moving averages, and it's now 12% above its 200-week average.
SIGI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $64.8 | $66.9 | +3.2% |
| 2021 | $66.9 | $79.6 | +19% |
| 2022 | $79.6 | $90.9 | +14% |
| 2023 | $90.9 | $99.5 | +9.5% |
| 2024 | $99.5 | $93.8 | -5.7% |
| 2025 | $93.8 | $84.0 | -10% |
| 2026 YTD | $84.0 | $103.4 | +23% |
SIGI has finished higher in four of the last six years. It's up 23% so far in 2026.