SELECTIVE INSURANCE GROUP, INC

SIGI

CIK 0000230557 · Quarterly mode · latest period FY2026 (Q1) (ending 2026-03-31) · sourced from SEC EDGAR

At a glance · FY2026 (Q1)

Revenue
$1.36B
↑+5.7% +$74Mvs FY2025 (Q1)
Operating Income
$543M
↑+0.8% +$5Mvs FY2025 (Q1)
Net Income
$98M
↓-11.1% -$12Mvs FY2025 (Q1)
Gross Profit
$543M
↑+0.8% +$5Mvs FY2025 (Q1)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
24/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    92D/E 0.16 (under 0.5 = conservative)
  • Efficiency
    13Asset Turnover 0.37x (1.0+ = capital-efficient)
  • Growth
    36Revenue YoY +5.7% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project SIGI's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

15%

Trailing 3-yr CAGR was 15.4%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$445.82
Total enterprise IV
$27.22B
Diluted shares
0.06B
Terminal PV
$20.38B (75% of total)
Year-5 FCF
$2.40B
YearProjected FCFDiscounted PV
+1$1.37B$1.25B
+2$1.58B$1.31B
+3$1.82B$1.36B
+4$2.09B$1.43B
+5$2.40B$1.49B
Terminal$32.83B$20.38B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$37M
investment in PP&E
Dividends paid (TTM)
$95M
cash returned to holders
Stock buybacks (TTM)
$102M
share count reduction
Stock-based comp (TTM)
$23M
non-cash dilution

Balance sheet · 2026-03-31

latest filed snapshot
Total assets
$15.32B
everything owned
Total liabilities
$11.73B
everything owed
Stockholders' equity
$3.59B
shareholder claim
Long-term debt
$508M
outstanding bonds + loans

Recent performance · 68 quarters

Revenue↑+5.7% +$74M
$1.36B
Net Income↓-11.1% -$12M
$98M
Free Cash Flow↓-22.3% -$60M
$211M

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