Selective Insurance Group, Inc. (SIGI) Key Metrics
SIGI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $5.31B
- Enterprise value
- $6.32B
- P/E (TTM)
- 10.9 10-yr median 16.5
- Forward P/E
- 9.8
- PEG ratio
- 0.28
- Price / sales
- 1.0 10-yr median 1.4
- Price / book
- 1.5 10-yr median 1.8
- EV / EBITDA
- — 10-yr median 11.7
- Dividend yield
- 1.93% $1.72 a year
- Beta
- 0.25
SIGI key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsSIGI valuation Price multiples at each fiscal year-end price.
SIGI returns How much profit the business earns on the capital it uses.
SIGI per-share figures Results divided by the shares outstanding at year-end.
SIGI financial health Debt, liquidity and how easily interest is covered.
SIGI efficiency & capital use Working capital cycle and where the cash goes.
SIGI valuation history
SIGI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
SIGI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
SIGI cash returned to shareholders
SIGI price vs earnings per share
SIGI key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $5.11B | $5.73B | $6.07B | $5.39B | $4.97B | $4.04B | $3.91B | $3.64B | $3.48B | $2.53B |
| Enterprise value | $6.10B | $6.23B | $6.60B | $5.91B | $5.49B | $4.65B | $4.52B | $4.05B | $3.92B | $2.92B |
| P/E ratio | 11.0 | 27.7 | 16.6 | 24.0 | 12.3 | 16.4 | 14.4 | 20.3 | 20.6 | 16.0 |
| Price / sales | 1.0 | 1.2 | 1.4 | 1.5 | 1.5 | 1.4 | 1.4 | 1.4 | 1.4 | 1.1 |
| Price / book | 1.4 | 1.8 | 2.1 | 2.1 | 1.7 | 1.5 | 1.8 | 2.0 | 2.0 | 1.7 |
| Price / free cash flow | 4.3 | 5.4 | 8.2 | 6.9 | 6.6 | 7.6 | 8.8 | 8.3 | 9.5 | 8.1 |
| Price / operating cash flow | 4.1 | 5.2 | 8.0 | 6.7 | 6.4 | 7.3 | 8.2 | 8.0 | 9.2 | 7.7 |
| EV / sales | 1.1 | 1.3 | 1.6 | 1.7 | 1.6 | 1.6 | 1.6 | 1.6 | 1.6 | 1.3 |
| EV / EBITDA | 9.1 | 19.4 | 12.8 | 16.8 | 9.3 | 11.8 | 10.6 | 14.4 | 11.6 | 9.6 |
| EV / free cash flow | 5.1 | 5.8 | 9.0 | 7.6 | 7.3 | 8.7 | 10.1 | 9.2 | 10.7 | 9.4 |
| Earnings yield | 9.1% | 3.6% | 6.0% | 4.2% | 8.1% | 6.1% | 6.9% | 4.9% | 4.8% | 6.3% |
| Free cash flow yield | 23.4% | 18.6% | 12.1% | 14.4% | 15.1% | 13.2% | 11.4% | 12.1% | 10.5% | 12.3% |
| Dividend yield | 2.0% | 1.6% | 1.4% | 1.4% | 1.4% | 1.3% | 1.2% | 1.2% | 1.1% | 1.3% |
| Shareholder yield (dividends + buybacks) | 3.8% | 1.9% | 1.5% | 1.8% | 1.6% | 1.5% | 1.4% | 1.3% | 1.2% | 1.5% |
| Share price at fiscal year-end | $83.67 | $93.52 | $99.48 | $88.61 | $81.94 | $66.98 | $65.19 | $60.94 | $58.70 | $43.05 |
| Per share | ||||||||||
| Revenue per share | $87.35 | $79.31 | $69.42 | $58.45 | $55.70 | $48.47 | $47.44 | $43.31 | $41.61 | $38.88 |
| Earnings per share | $7.63 | $3.38 | $5.99 | $3.69 | $6.66 | $4.09 | $4.53 | $3.00 | $2.84 | $2.70 |
| Operating cash flow per share | $20.18 | $17.94 | $12.45 | $13.18 | $12.72 | $9.19 | $7.96 | $7.62 | $6.39 | $5.61 |
| Free cash flow per share | $19.55 | $17.44 | $12.08 | $12.75 | $12.35 | $8.82 | $7.44 | $7.35 | $6.16 | $5.30 |
| Cash per share | $0.29 | $1.03 | $0.22 | $0.00 | $0.01 | $0.01 | $0.00 | $0.28 | $0.01 | $0.64 |
| Book value per share | $59.07 | $50.90 | $48.46 | $41.52 | $49.17 | $45.43 | $36.58 | $30.01 | $28.86 | $26.07 |
| Tangible book value per share | $50.88 | $42.95 | $41.36 | $35.34 | $43.65 | $40.51 | $31.93 | $25.65 | $24.77 | $22.15 |
| Dividends per share | $1.67 | $1.54 | $1.36 | $1.25 | $1.15 | $0.90 | $0.79 | $0.70 | $0.62 | $0.57 |
| Capex per share | $0.63 | $0.50 | $0.37 | $0.43 | $0.37 | $0.37 | $0.52 | $0.27 | $0.24 | $0.31 |
| Debt per share | $16.48 | $9.06 | $8.98 | $8.45 | $8.50 | $10.11 | $10.15 | $7.23 | $7.40 | $7.31 |
| Shares outstanding | 61.1M | 61.3M | 61.0M | 60.9M | 60.7M | 60.3M | 60.0M | 59.7M | 59.4M | 58.7M |
| Change in shares outstanding | −0.3% | +0.5% | +0.2% | +0.3% | +0.6% | +0.5% | +0.5% | +0.6% | +1.0% | +1.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 13.9% | 6.8% | 13.3% | 8.2% | 14.1% | 10.0% | 13.6% | 10.2% | 10.4% | 10.8% |
| Return on invested capital (ROIC) | 11.4% | 5.8% | 11.2% | 6.9% | 11.8% | 8.0% | 10.8% | 8.2% | 8.3% | 8.4% |
| Return on assets (ROA) | 3.5% | 1.8% | 3.3% | 2.1% | 4.0% | 2.7% | 3.4% | 2.4% | 2.3% | 2.3% |
| Return on tangible assets | 3.4% | 1.7% | 3.4% | 2.2% | 4.0% | 2.6% | 3.2% | 2.5% | 2.3% | 2.4% |
| Free cash flow margin | 22.4% | 22.0% | 17.4% | 21.8% | 22.2% | 18.2% | 15.7% | 17.0% | 14.8% | 13.6% |
| Income quality (OCF / net income) | 2.64 | 5.31 | 2.08 | 3.57 | 1.91 | 2.25 | 1.76 | 2.54 | 2.25 | 2.08 |
| Financial health | ||||||||||
| Total debt | $1.01B | $555.7M | $547.6M | $514.5M | $515.6M | $609.4M | $609.3M | $431.7M | $439.1M | $429.6M |
| Cash & short-term investments | $18.0M | $63.0M | $13.3M | $26,000 | $455,000 | $394,000 | $300,000 | $16.9M | $534,000 | $37.4M |
| Net debt | $989.3M | $492.6M | $534.3M | $514.4M | $515.2M | $609.1M | $609.0M | $414.8M | $438.6M | $392.2M |
| Debt / equity | 0.28 | 0.18 | 0.19 | 0.20 | 0.17 | 0.22 | 0.28 | 0.24 | 0.26 | 0.28 |
| Debt / assets | 0.07 | 0.04 | 0.05 | 0.05 | 0.05 | 0.06 | 0.07 | 0.06 | 0.06 | 0.06 |
| Net debt / EBITDA | 1.47 | 1.53 | 1.03 | 1.46 | 0.87 | 1.55 | 1.43 | 1.48 | 1.30 | 1.29 |
| Current ratio | 0.62 | 0.64 | 0.62 | 0.00 | 0.00 | 0.00 | 0.00 | 0.59 | 0.00 | 0.61 |
| Quick ratio | 0.62 | 0.64 | 2.58 | 33.13 | 29.60 | 27.94 | 23.64 | 0.59 | 0.00 | 0.61 |
| Interest coverage | 12.0 | 8.9 | 15.9 | 9.7 | 17.3 | 9.8 | 10.0 | 8.7 | 10.8 | 9.7 |
| Working capital | −$940.4M | −$862.7M | −$811.6M | −$115.2M | −$120.6M | −$114.5M | −$126.5M | −$545.3M | −$131.3M | −$460.7M |
| Invested capital | $4.60B | $3.61B | $3.49B | $3.04B | $3.50B | $3.35B | $2.80B | $2.21B | $2.15B | $1.92B |
| Tangible asset value | $3.11B | $2.63B | $2.52B | $2.15B | $2.65B | $2.44B | $1.92B | $1.53B | $1.47B | $1.30B |
| Net current asset value | −$8.97B | −$7.71B | −$6.79B | −$8.27B | −$7.48B | −$6.95B | −$6.60B | −$4.73B | −$5.97B | −$4.45B |
| Graham number | $100.72 | $62.19 | $80.82 | $58.75 | $85.81 | $64.62 | $61.04 | $44.98 | $42.97 | $39.78 |
| Graham net-net per share | −$153.08 | −$131.77 | −$151.13 | −$144.21 | −$133.09 | −$123.59 | −$116.97 | −$82.52 | −$83.12 | −$78.65 |
| Capital allocation | ||||||||||
| Dividends paid | $102.1M | $94.1M | $83.0M | $76.1M | $69.5M | $54.5M | $47.7M | $42.1M | $37.0M | $33.8M |
| Share buybacks (net) | $92.6M | $15.6M | $7.9M | $18.3M | $9.5M | $7.1M | $8.2M | $6.6M | $6.0M | $5.0M |
| Dividend payout ratio | 21.9% | 45.5% | 22.7% | 33.8% | 17.2% | 22.1% | 17.6% | 23.5% | 21.9% | 21.3% |
| Dividends + buybacks / free cash flow | 16.3% | 10.3% | 12.4% | 12.2% | 10.5% | 11.6% | 12.5% | 11.1% | 11.8% | 12.4% |
| Capex / revenue | 0.7% | 0.6% | 0.5% | 0.7% | 0.7% | 0.8% | 1.1% | 0.6% | 0.6% | 0.8% |
| Capex / operating cash flow | 3.1% | 2.8% | 3.0% | 3.2% | 2.9% | 4.0% | 6.5% | 3.5% | 3.7% | 5.5% |
| Capex / depreciation | 1.19 | 0.89 | 0.75 | 0.61 | 0.40 | 0.37 | 0.56 | 0.36 | 0.27 | 0.29 |
| Stock-based compensation / revenue | 0.4% | 0.5% | 0.4% | 0.5% | 0.5% | 0.6% | 0.7% | 0.7% | 1.3% | 1.3% |
| SG&A / revenue | 0.7% | 0.9% | 0.9% | 1.1% | 0.8% | 0.9% | 1.1% | 1.0% | 1.5% | 1.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 102.6 | 104.4 | 137.3 | 177.8 | 165.4 | 181.8 | 141.8 | 152.2 | 152.8 | 151.6 |
| Days of inventory on hand | — | — | -393.1 | -419.7 | -440.1 | -441.8 | -447.2 | — | — | — |
| Days payables outstanding | — | — | — | 266.3 | 305.2 | 18.4 | 18.5 | 19.6 | 22.5 | 28.0 |
| Cash conversion cycle (days) | — | — | — | -508.2 | -579.9 | -278.5 | -323.9 | 132.6 | 130.3 | 123.6 |
| Receivables turnover | 3.56 | 3.50 | 2.66 | 2.05 | 2.21 | 2.01 | 2.57 | 2.40 | 2.39 | 2.41 |
| Payables turnover | — | — | — | 1.37 | 1.20 | 19.82 | 19.74 | 18.61 | 16.22 | 13.04 |
| Asset turnover | 0.40 | 0.41 | 0.39 | 0.33 | 0.34 | 0.32 | 0.35 | 0.34 | 0.34 | 0.34 |
| Average receivables | $1.50B | $1.39B | $1.59B | $1.73B | $1.53B | $1.46B | $1.11B | $1.08B | $1.03B | $948.6M |
| Average payables | — | — | — | $2.35B | $2.35B | $129.3M | $123.9M | $124.9M | $132.4M | $153.8M |
| Average inventory | — | — | −$4.00B | −$3.70B | −$3.40B | −$3.10B | −$3.00B | — | $0 | $0 |
| Intangibles / total assets | 3.5% | 3.9% | 3.9% | 3.5% | 3.2% | 3.1% | 3.2% | 3.6% | 3.2% | 3.4% |
Computed from SIGI's annual financial statements (latest annual report filed February 9, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
SIGI valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Selective Insurance traded at 11.0 times earnings, against a 10-year median of 16.5. Based on the latest twelve months, the trailing P/E is 10.9 and the forward P/E is 9.8. Selective Insurance earned a return on equity of 13.9% and a return on invested capital of 11.4% in fiscal 2025. It ended the year with $1.0 billion of debt and $18.0 million in cash and short-term investments, net debt of $989.3 million. It returned $194.7 million to shareholders: $102.1 million in dividends and $92.6 million in share buybacks, 16% of free cash flow. The share count rose 4.0% from 58.7M to 61.1M over 9 years.
See the SIGI income statement, the SIGI chart for price history, or the SIGI stock overview for the latest quote and news.
SIGI key metrics FAQ
What is Selective Insurance's P/E ratio?
Selective Insurance's trailing P/E ratio is 10.9 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 9.8. At the end of fiscal 2025 it was 11.0, compared with a 10-year median of 16.5.
What is Selective Insurance's EV/EBITDA?
Selective Insurance's enterprise value was 9.1 times EBITDA at the end of fiscal 2025 (enterprise value $6.1 billion, EBITDA $671.6 million).
What is Selective Insurance's return on equity?
Selective Insurance's return on equity (ROE) was 13.9% in fiscal 2025: net income of $466.4 million on average shareholders' equity of $3.4 billion.
What is Selective Insurance's ROIC?
Selective Insurance's return on invested capital was 11.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Selective Insurance have?
Selective Insurance had total debt of $1.0 billion at the end of fiscal 2025, a debt-to-equity ratio of 0.28 and $989.3 million of net debt (1.47 times EBITDA).
What is Selective Insurance's dividend yield?
Selective Insurance's forward dividend yield is 1.93%. Selective Insurance paid $102.1 million in dividends in fiscal 2025 ($1.67 per share), a payout ratio of 21.9%.
Does Selective Insurance buy back its shares?
Yes. Selective Insurance spent $92.6 million on net share repurchases in fiscal 2025 Shares outstanding changed −0.3% over the year, to 61.1M..
What is Selective Insurance's free cash flow yield?
Selective Insurance generated $1.2 billion of free cash flow in fiscal 2025, a free cash flow yield of 23.4% on its market value at year-end ($5.1 billion).
What is Selective Insurance's current ratio?
Selective Insurance's current ratio was 0.62 at the end of fiscal 2025: current assets were 0.62 times current liabilities.