SELECTIVE INSURANCE GROUP INC (SIGI)
Fire, Marine & Casualty Insurance · Financial Services · $5.6B
Intrinsic Value (Consensus)
$116.46
Current Price
$92.56
Margin of Safety
+25.8%
25.8% Below Intrinsic Value
Value: $116
Price: $93
Valuation Model Estimates
Current Price: $92.56
DCF (Discounted Cash Flow)
$920.23
Graham Number
$99.97
Earnings Power Value
$72.72
Relative Value (P/E)
$149.80
Dividend Discount Model
$143.33
Consensus Value
$116.46
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
77
Profitability
18/25
Strength
24/25
Valuation
19/25
Growth
16/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (21.2%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $7.49
- EPS (Forward)
- $8.99
- Book Value
- $59.30
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 12.9%
- Debt/Equity
- 14%
- Revenue Growth
- 9.8%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance