US · SIGI
Selective Insurance Group, Inc.
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Branchville, NJ 07890
- Website
- selective.com
Price · as of 2025-12-31
$82.08
Market cap 5.08B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $77.45 | -5.64% |
| Intrinsic Value(DCF) | $33.94 | -58.65% |
| Graham-Dodd Method(GD) | $72.05 | -12.22% |
| Graham Formula(GF) | $133.62 | +62.79% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $13.56 | $11.24 | $0.00 | $15.16 | $4.12 |
| 2012 | $18.23 | $9.77 | $5.78 | $15.78 | $11.29 |
| 2013 | $19.36 | $12.51 | $0.00 | $22.50 | $33.08 |
| 2014 | $24.37 | $18.18 | $2.02 | $27.55 | $36.88 |
| 2015 | $30.11 | $19.10 | $5.60 | $30.66 | $36.89 |
| 2016 | $41.51 | $23.78 | $5.73 | $30.83 | $40.55 |
| 2017 | $54.62 | $28.54 | $11.24 | $34.10 | $46.13 |
| 2018 | $57.13 | $28.76 | $4.58 | $34.32 | $38.16 |
| 2019 | $50.79 | $46.95 | $9.78 | $47.63 | $80.89 |
| 2020 | $70.45 | $52.30 | $107.20 | $52.51 | $43.66 |
| 2021 | $78.26 | $64.57 | $146.94 | $63.61 | $149.84 |
| 2022 | $90.18 | $56.68 | $93.19 | $39.39 | $46.39 |
| 2023 | $100.86 | $68.12 | $486.26 | $56.40 | $153.62 |
| 2024 | $83.45 | $40.27 | $482.94 | $44.93 | $75.79 |
| 2025 | $84.86 | $77.45 | $61.46 | $72.05 | $133.62 |
AI valuation
Our deep-learning model estimates Selective Insurance Group, Inc.'s (SIGI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $77.45
- Current price
- $82.08
- AI upside
- -5.64%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$33.94
-58.65% upside
Graham-Dodd
$72.05
-12.22% upside
Graham Formula
$133.62
+62.79% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SIGI | Selective Insurance Group… | $82.08 | 5.08B | -6% | -59% | -12% | +63% | 11.12 | 1.44 | 0.97 | 7.21 | 8.45 | 1.67 | 40.86% | 11.05% | 8.74% | 13.86% | 16.12% | 3.25% | 0.25 | 11.95 | 650.38 | 164.40 | 1.34 | 13158.00% | 978.00% | 1539.00% | 23.79% | 75.28 | 42.63% | 1.97% | 21.90% | 3.75% | 8.21 | 3.92 | 0.91 | 1.94 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| ALL | The Allstate Corporation | $214.52 | 56.14B | +12% | -44% | +10% | +130% | 5.41 | 1.82 | 0.84 | 4.45 | 4.33 | 2.61 | 33.23% | 19.80% | 15.47% | 39.51% | 33.27% | 8.89% | 0.24 | 32.97 | — | — | 0.49 | 12478.00% | 464.00% | 1331.00% | 17.78% | — | 32.03% | 2.07% | 11.20% | 5.32% | 4.74 | 6.32 | 0.94 | 2.14 |
| AX | Axos Financial, Inc. | $86.82 | 4.92B | -26% | +569% | -4% | +48% | 11.92 | 1.93 | 2.68 | 5.50 | — | 2.05 | 61.47% | 31.79% | 22.44% | 17.42% | 52.84% | 1.82% | 0.14 | 0.89 | 0.11 | 0.11 | -2.43 | -300.00% | 916.00% | 6182.00% | 8.45% | 0.02 | 53.23% | 0.00% | 0.00% | 1.13% | 5.76 | 8.11 | 1.83 | -0.46 |
| IBOC | International Bancshares … | $67.11 | 4.17B | -11% | -6% | -11% | — | 10.33 | 1.31 | 5.15 | 187.50 | 1357.27 | 1.43 | 100.00% | 70.03% | 49.85% | 13.63% | 61.94% | 2.55% | 0.04 | 2.71 | — | — | -17.87 | 76.00% | -2069.00% | 286.00% | 11.11% | — | 63.84% | 2.04% | 21.10% | 19.04% | 7.56 | 9.26 | 5.29 | 0.67 |
| LMND | Lemonade, Inc. | $51.74 | 3.87B | -22% | +441% | — | — | -23.11 | 7.17 | 5.52 | -23.53 | — | 7.55 | 36.27% | -23.60% | -24.15% | -29.37% | 188.70% | -8.77% | 0.00 | — | — | — | 2.72 | -1930.00% | 3172.00% | 2452.00% | -0.68% | — | 29.86% | 0.00% | 0.00% | 3.35% | -20.94 | -132.36 | 4.94 | 1.16 |
| MCY | Mercury General Corporati… | $90.58 | 5.02B | +6% | +295% | -20% | +85% | 9.37 | 2.10 | 0.85 | 5.67 | 60.01 | 2.14 | 33.87% | 11.07% | 9.03% | 24.80% | 33.54% | 6.06% | 0.25 | 23.19 | 66.98 | 66.98 | -0.94 | 1562.00% | 944.00% | 381.00% | 20.28% | 35.33 | 63.77% | 1.39% | 13.00% | 12.99% | 6.56 | 4.23 | 0.73 | 1.88 |
| RDN | Radian Group Inc. | $34.52 | 4.7B | +46% | -24% | +16% | -40% | 8.28 | 1.01 | 3.87 | 6.80 | 147.46 | 1.01 | 92.30% | 61.19% | 46.73% | 12.39% | 16.57% | 6.94% | 0.24 | 11.64 | 0.14 | 0.14 | 1.24 | 561.00% | -336.00% | -15048.00% | 6.98% | 0.32 | 9.32% | 3.02% | 25.00% | 37.30% | 7.77 | 17.62 | 4.75 | 2.08 |
| RLI | RLI Corp. | $62.32 | 5.73B | -9% | -30% | -98% | 0% | 14.35 | 3.26 | 3.08 | 10.78 | 86.59 | 3.36 | 29.82% | 27.53% | 21.43% | 24.44% | 25.71% | 7.31% | 0.06 | 96.73 | 1.33 | 2.96 | 0.09 | 1658.00% | 633.00% | 957.00% | 10.51% | 4.73 | 37.89% | 4.17% | 59.90% | 4.38% | 11.03 | 9.39 | 3.04 | 1.95 |
| SNEX | StoneX Group Inc. | $127.50 | 6.69B | +169% | +64,309% | -85% | +99% | 14.48 | 1.86 | 0.03 | 10.73 | 132.57 | 2.70 | 1.95% | 1.55% | 0.23% | 14.97% | 9.90% | 0.84% | 7.79 | 1.39 | 1.57 | 0.71 | 8.51 | 1092.00% | 3253.00% | 87870.00% | 97.59% | 0.20 | 27.85% | 4.02% | 58.20% | 4.02% | 10.40 | 4.94 | 0.16 | 3.53 |
| WTM | White Mountains Insurance… | $2,220.51 | 5.51B | +29% | +420% | +93% | +339% | 5.18 | 1.06 | 2.12 | 4.53 | 1.37 | 1.40 | 53.72% | 49.08% | 40.87% | 22.33% | 24.14% | 9.95% | 0.15 | 22.60 | — | — | 0.46 | 37905.00% | 1499.00% | -10123.00% | -0.13% | — | -0.14% | 0.05% | 0.20% | 0.05% | 4.80 | -886.67 | 2.36 | 1.70 |
About Selective Insurance Group, Inc.
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.
- CEO
- John Joseph Marchioni
- Employees
- 2.8K
- Beta
- 0.23
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($33.94 ÷ $82.08) − 1 = -58.65% (DCF, example).