Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SIGI
BuyUnloved QualityAPPROVESelective Insurance Group, Inc. · Financial Services · United States · $5.5B · Avg Vol: $32M/d
Selective Insurance clears the calibrated bar. All three legs are above the floor (Q61 V52 M65) and a buyback retiring 0.56% of shares provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Quality at Q61 is the strongest part of the case, and higher-for-longer rates lift investment income on the underwriting float.
COMPANY DESCRIPTION
Selective Insurance Group, Inc. is a property and casualty (P&C) insurance company offering a range of commercial lines, personal lines, and flood insurance products, primarily through a network of independent agents. Its competitive moat is derived from its exclusive agency distribution model, robust underwriting discipline, and strong localized relationships, leading to superior risk selection and retention. Selective Insurance is recognized for its consistent profitability and prudent management in the regional P&C market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.6B | 4.2B | 4.9B | 5.3B | 14.5% | 5.5B | 5.4B | 5.5B | 1.1% |
| EPS | 3.57 | 5.87 | 3.25 | 7.54 | 28.2% | 8.06 | 8.33 | 8.97 | 9.0% |
| Shares | 60.3M | 60.6M | 60.8M | 60.1M | -0.4% | 59.6M | — | — | — |
| Debt | 504.7M | 503.9M | 507.9M | 901.9M | 21.4% | 901.0M | — | — | — |
| Equity | 2.5B | 3.0B | 3.1B | 3.6B | 12.6% | — | — | — | — |
| Op CF | 802.4M | 758.9M | 1.1B | 1.2B | 15.4% | 1.2B | — | — | — |
| Inv CF | -734.4M | -686.4M | -947.4M | -1.5B | — | — | — | — | — |
| Fin CF | -87.8M | -84.5M | -102.8M | 207.5M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SIGI are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SIGI | Selective Insurance Group, Inc.(you) | $5.5B | 65 | Buy |
| HGTY | Hagerty, Inc. | $4.6B | 60 | Hold |
| RLI | RLI Corp. | $5.9B | 53 | Hold |
| MCY | Mercury General Corporation | $5.9B | 77 | Buy |
| AFG | American Financial Group, Inc. | $11.9B | 63 | Hold |
| ORI | Old Republic International Corporation | $10.2B | 71 | Buy |
| CNA | CNA Financial Corporation | $13.3B | 62 | Hold |
| PLMR | Palomar Holdings, Inc. | $3.5B | 53 | Hold |
| STC | Stewart Information Services Corporation | $2.1B | 63 | Hold |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 70 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%