
Selective Insurance Group, Inc. (SIGI)
ValueMarkers Composite Index
48% below intrinsic value ($155)
Selective Insurance Group, Inc. (SIGI) — VMCI valuation read
Selective Insurance Group, Inc. sits at VMCI 65/100, with the Financial Services sector median at 50. That 15-point spread is the first thing to note on SIGI: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on SIGI are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on SIGI: SIGI trades at 22.0x earnings, 22% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 3.1x is the binding constraint on the bear case, anchoring the bear scenario on a measurable balance-sheet metric.
SIGI fell 0.8% over the trailing 7 days, with a -17.3% read on a 30-day basis.
Selective Insurance Group, Inc., together with its subsidiaries, provides insurance products and services in the United States. It operates through four segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. The company offers property insurance products, which covers the financial consequences of accidental loss of an insured's real property, personal property, and/or earnings due to the property's loss; and casualty insurance products that covers the financial consequences of employee injuries in the course of employment, and bodily injury and/or property damage to a third party, as well as flood insurance products. It also invests in fixed income investments and commercial mortgage loans, as well as equity securities and alternative investment portfolio. The company offers its insurance products and services to businesses, non-profit organizations, local government agencies, and individuals through independent retail agents and wholesale general agents. Selective Insurance Group, Inc. was founded in 1926 and is headquartered in Branchville, New Jersey.
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