Selective Insurance Group, Inc. (SIGI) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Insurance - Property & Casualty
EV/EBITDA
↓
10.36
↓-29% vs avg
5yr avg: 14.50
30Y Low0.9·High27.9
P/FCF
↓
4.50
↓-28% vs avg
5yr avg: 6.27
30Y Low3.2·High17.7
P/B Ratio
↓
1.56
↓-14% vs avg
5yr avg: 1.82
30Y Low0.9·High2.1
ROE
↓
13.9%
↓+23% vs avg
5yr avg: 11.3%
30Y Low2%·High16%
Debt/EBITDA
↑
1.44
+8% vs avg
5yr avg: 1.34
30Y Low0.2·High6.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
SIGI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Selective Insurance Group, Inc. trades at 12.3x earnings, 35% below its 5-year average of 19.0x, sitting at the 37th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 9%. On a free-cash-flow basis, the stock trades at 4.5x P/FCF, 28% below the 5-year average of 6.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.5B | $5.1B | $5.7B | $6.1B | $5.4B | $5.0B | $4.0B | $3.9B | $3.6B | $3.5B | $2.5B |
| Enterprise Value | $6.4B | $6.0B | $6.2B | $6.6B | $5.9B | $5.5B | $4.6B | $4.5B | $4.1B | $3.9B | $3.0B |
| P/E Ratio → | 12.34 | 11.19 | 28.95 | 17.03 | 25.03 | 12.61 | 16.38 | 14.39 | 20.31 | 20.67 | 15.94 |
| P/S Ratio | 1.04 | 0.96 | 1.18 | 1.43 | 1.52 | 1.47 | 1.38 | 1.37 | 1.41 | 1.41 | 1.11 |
| P/B Ratio | 1.56 | 1.42 | 1.84 | 2.05 | 2.13 | 1.67 | 1.47 | 1.78 | 2.03 | 2.03 | 1.65 |
| P/FCF | 4.50 | 4.14 | 5.36 | 8.24 | 6.95 | 6.63 | 7.59 | 8.76 | 8.29 | 9.53 | 8.12 |
| P/OCF | 4.36 | 4.02 | 5.21 | 7.99 | 6.72 | 6.44 | 7.29 | 8.19 | 8.00 | 9.18 | 7.68 |
P/E links to full P/E history page with 30-year chart
SIGI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Selective Insurance Group, Inc.'s enterprise value stands at 10.4x EBITDA, 29% below its 5-year average of 14.5x. The Financial Services sector median is 11.4x, placing the stock at a 9% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.13 | 1.28 | 1.55 | 1.66 | 1.62 | 1.57 | 1.57 | 1.58 | 1.59 | 1.30 |
| EV / EBITDA | 10.36 | 9.66 | 21.31 | 13.45 | 18.29 | 9.77 | 12.66 | 11.39 | 15.89 | 12.49 | 10.54 |
| EV / EBIT | 10.93 | 9.41 | 21.75 | 13.49 | 19.09 | 10.25 | 13.75 | 12.06 | 17.27 | 13.70 | 12.22 |
| EV / FCF | — | 4.87 | 5.84 | 8.93 | 7.60 | 7.31 | 8.63 | 9.99 | 9.29 | 10.73 | 9.53 |
SIGI Profitability
Margins and return-on-capital ratios measuring operating efficiency
Selective Insurance Group, Inc. earns an operating margin of 11.0%, below the Financial Services sector average of 20.3%. ROE of 13.9% is modest. ROIC of 10.9% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.9% | 40.9% | 6.6% | 12.2% | 9.6% | 16.7% | 12.3% | 14.1% | 10.1% | 13.1% | 12.2% |
| Operating Margin | 11.0% | 11.0% | 5.3% | 10.8% | 7.9% | 15.0% | 10.4% | 11.8% | 8.2% | 10.6% | 9.6% |
| Net Profit Margin | 8.7% | 8.7% | 4.3% | 8.6% | 6.3% | 12.0% | 8.4% | 9.5% | 6.9% | 6.8% | 6.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.9% | 13.9% | 6.8% | 13.3% | 8.2% | 14.1% | 10.0% | 13.6% | 10.2% | 10.4% | 10.8% |
| ROA | 3.3% | 3.3% | 1.6% | 3.2% | 2.1% | 4.0% | 2.7% | 3.2% | 2.3% | 2.2% | 2.2% |
| ROIC | 10.9% | 10.9% | 5.5% | 10.6% | 6.4% | 11.2% | 7.5% | 10.1% | 7.2% | 9.5% | 8.9% |
| ROCE | 4.1% | 4.1% | 2.0% | 4.1% | 2.6% | 5.0% | 3.3% | 4.0% | 2.8% | 3.5% | 3.2% |
SIGI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Selective Insurance Group, Inc. carries a Debt/EBITDA ratio of 1.4x, which is manageable (66% below the sector average of 4.3x). Net debt stands at $898M ($898M total debt minus $346000 cash). Interest coverage of 13.0x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.25 | 0.25 | 0.16 | 0.17 | 0.20 | 0.17 | 0.20 | 0.25 | 0.25 | 0.26 | 0.29 |
| Debt / EBITDA | 1.44 | 1.44 | 1.73 | 1.04 | 1.56 | 0.90 | 1.52 | 1.41 | 1.71 | 1.40 | 1.56 |
| Net Debt / Equity | — | 0.25 | 0.16 | 0.17 | 0.20 | 0.17 | 0.20 | 0.25 | 0.25 | 0.26 | 0.29 |
| Net Debt / EBITDA | 1.44 | 1.44 | 1.73 | 1.04 | 1.56 | 0.90 | 1.52 | 1.41 | 1.71 | 1.40 | 1.56 |
| Debt / FCF | — | 0.73 | 0.48 | 0.69 | 0.65 | 0.67 | 1.03 | 1.23 | 1.00 | 1.20 | 1.41 |
| Interest Coverage | 12.95 | 12.95 | 9.94 | 16.92 | 10.71 | 18.33 | 10.82 | 10.99 | 9.67 | 11.76 | 10.66 |
SIGI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Selective Insurance Group, Inc.'s current ratio of 650.38x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 650.38 | 650.38 | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 |
| Quick Ratio | 650.38 | 650.38 | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 |
| Cash Ratio | 73.63 | 73.63 | — | — | — | — | — | — | 0.00 | 0.00 | 0.00 |
| Asset Turnover | — | 0.35 | 0.36 | 0.36 | 0.33 | 0.32 | 0.30 | 0.32 | 0.33 | 0.32 | 0.31 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
SIGI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Selective Insurance Group, Inc. returns 3.3% to shareholders annually — split between a 1.6% dividend yield and 1.7% buyback yield. The payout ratio of 19.9% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.6% | 1.8% | 1.5% | 1.2% | 1.2% | 1.2% | 1.3% | 1.2% | 1.2% | 1.1% | 1.3% |
| Payout Ratio | 19.9% | 19.9% | 41.0% | 20.2% | 29.8% | 14.9% | 22.1% | 17.6% | 23.5% | 21.9% | 21.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.1% | 8.9% | 3.5% | 5.9% | 4.0% | 7.9% | 6.1% | 6.9% | 4.9% | 4.8% | 6.3% |
| FCF Yield | 22.2% | 24.1% | 18.6% | 12.1% | 14.4% | 15.1% | 13.2% | 11.4% | 12.1% | 10.5% | 12.3% |
| Buyback Yield | 1.7% | 1.8% | 0.3% | 0.1% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| Total Shareholder Yield | 3.3% | 3.6% | 1.8% | 1.3% | 1.6% | 1.4% | 1.5% | 1.4% | 1.3% | 1.2% | 1.5% |
| Shares Outstanding | — | $61M | $61M | $61M | $61M | $61M | $60M | $60M | $60M | $59M | $59M |
Peer Comparison
Compare SIGI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 SIGIYou | $6B | 12.3 | 10.4 | 4.5 | 40.9% | 11.0% | 13.9% | 10.9% | 1.4 |
 ERIE | $10B | 20.8 | 12.4 | 17.9 | 15.8% | 17.7% | 26.2% | 29.5% | — |
 CINF | $26B | 11.2 | 8.2 | 8.6 | 50.1% | 23.6% | 16.0% | 15.3% | 0.3 |
 HCI | $2B | 6.6 | 2.2 | 4.8 | 73.2% | 47.7% | 37.8% | 675.0% | 0.2 |
 KMPR | $1B | 10.9 | 10.0 | 2.7 | 29.7% | 3.3% | 5.3% | 3.1% | 4.3 |
 DGICA | $635M | 8.0 | 6.4 | 9.0 | 26.7% | 10.0% | 13.4% | 12.4% | 0.3 |
 PLMR | $3B | 15.6 | 10.9 | 7.4 | 73.9% | 28.9% | 23.6% | 25.5% | 0.0 |
 TRV | $67B | 11.2 | 8.8 | — | 44.3% | 16.0% | 20.7% | 15.3% | 1.1 |
 HIG | $35B | 9.6 | 7.7 | 6.1 | 46.1% | 16.8% | 21.7% | 16.3% | 0.8 |
 CNA | $12B | 9.5 | 8.6 | 5.0 | 30.7% | 11.0% | 11.5% | 8.9% | 1.8 |
 WRB | $25B | 15.1 | 11.1 | 7.3 | 19.8% | 15.9% | 19.6% | 18.2% | 1.2 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
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Includes 30+ ratios · 30 years · Updated daily
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SIGI — Frequently Asked Questions
Quick answers to the most common questions about buying SIGI stock.
What is Selective Insurance Group, Inc.'s P/E ratio?
Selective Insurance Group, Inc.'s current P/E ratio is 12.3x. The historical average is 17.3x. This places it at the 37th percentile of its historical range.
What is Selective Insurance Group, Inc.'s EV/EBITDA?
Selective Insurance Group, Inc.'s current EV/EBITDA is 10.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.2x.
What is Selective Insurance Group, Inc.'s ROE?
Selective Insurance Group, Inc.'s return on equity (ROE) is 13.9%. The historical average is 9.8%.
Is SIGI stock overvalued?
Based on historical data, Selective Insurance Group, Inc. is trading at a P/E of 12.3x. This is at the 37th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Selective Insurance Group, Inc.'s dividend yield?
Selective Insurance Group, Inc.'s current dividend yield is 1.65% with a payout ratio of 19.9%.
What are Selective Insurance Group, Inc.'s profit margins?
Selective Insurance Group, Inc. has 40.9% gross margin and 11.0% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Selective Insurance Group, Inc. have?
Selective Insurance Group, Inc.'s Debt/EBITDA ratio is 1.4x, indicating moderate leverage. A ratio below 2x is generally considered financially healthy.