SIGI

Based on Selective Insurance Group, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Selective Insurance Group do?

Selective Insurance Group underwrites property and casualty insurance for businesses, non-profits, government agencies, and individuals across the United States. It distributes policies through independent retail and wholesale agents and also manages an investment portfolio that contributes to overall earnings.

Does SIGI pay dividends?

Yes, Selective Insurance Group pays a regular dividend. This is consistent with the company's long operating history and relatively stable cash flows from underwriting and investment income. Investors should verify the current dividend rate and payment schedule on the company's investor relations page.

When does SIGI report earnings?

Selective Insurance Group reports on a quarterly cadence, as is standard for U.S.-listed insurers. For the exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.

Is SIGI a good stock to buy?

UQS Score rates SIGI as Good overall. The Risk pillar is Strong and Valuation is Attractive, which are positives. However, the Moat pillar is Weak and both Quality and Growth are Neutral, meaning the investment case depends heavily on an investor's priorities. The full pillar breakdown is available to Pro members.

Is SIGI overvalued?

The UQS Valuation pillar for SIGI is rated Attractive, suggesting the stock may be reasonably priced relative to its fundamentals when compared to sector peers. Valuation alone does not determine investment outcomes — see the complete analysis on UQS Score for context.

How does SIGI compare to its competitors?

Selective competes with regional and specialty insurers like RLI Corp. and Mercury General, as well as technology-driven newcomers like Lemonade. Selective's independent-agent model and multi-line diversification distinguish it from more concentrated or direct-to-consumer rivals. UQS Score provides side-by-side pillar comparisons for Pro members.

What is SIGI's market cap bracket?

Selective Insurance Group is classified as a mid-cap company. This places it above smaller regional carriers in terms of scale and resources, while still operating below the largest national insurance conglomerates in the U.S. market.

Who founded Selective Insurance Group?

Selective Insurance Group was founded in 1926. Detailed founding history, including the individuals involved, is publicly available through the company's official corporate history and investor relations materials.

Is SIGI a long-term quality investment?

As a long-term quality indicator, SIGI's Strong Risk pillar and Attractive Valuation are encouraging signals. The Weak Moat rating, however, raises questions about durable competitive advantages over a multi-year horizon. Long-term investors should weigh these factors alongside their own risk tolerance and time horizon.

What is the main competitive advantage of Selective Insurance Group?

Selective's primary edge lies in its deep relationships with independent agents and its regional market expertise built over nearly a century of operation. Its multi-segment structure — spanning commercial, personal, and E&S lines — provides diversification that smaller mono-line carriers cannot easily replicate.

What sector does SIGI belong to?

SIGI belongs to the Financial Services sector, specifically within the property and casualty insurance industry. Investors can explore other [Financial Services stocks scored by UQS](/sector/financial-services) to benchmark Selective against broader sector peers.

Selective Insurance Group, Inc. shows solid profitability with healthy returns on capital and reasonable margins.

Selective Insurance Group, Inc. shows steady but unspectacular growth, typical for mature companies.

Selective Insurance Group, Inc. maintains a reasonable risk profile with manageable debt levels.

Selective Insurance Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.

Selective Insurance Group, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SIGI.

The UQS (Unified Quality Score) for Selective Insurance Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Selective Insurance Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Selective Insurance Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.