Selective Insurance Group Inc. (SIGIP) intrinsic value & 10-year financials
Selective Insurance Group Inc. (SIGIP) has a Graham intrinsic value of $210.01 per share. Over the last 10 fiscal years revenue grew 9.9% a year to $5.3B, with an average return on invested capital of 9.1%.
- Graham intrinsic value
- $210.01
- Revenue (FY2025)
- $5.3B
- Revenue growth (10-yr CAGR)
- 9.9%
- ROIC (10-yr avg)
- 9.1%
- Free cash flow (FY2025)
- $1.2B
SIGIP 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $5.3B | $466.4M | $7.49 | $1.2B | — | 11.5% |
| FY2024 | $4.9B | $207.0M | $3.23 | $1.1B | — | 5.8% |
| FY2023 | $4.2B | $365.2M | $5.84 | $736.3M | — | 11.3% |
| FY2022 | $3.6B | $224.9M | $3.54 | $776.4M | — | 6.9% |
| FY2021 | $3.4B | $403.8M | $6.50 | $749.3M | — | 11.9% |
| FY2020 | $2.9B | $246.4M | $4.09 | $532.0M | — | 8.2% |
| FY2019 | $2.8B | $271.6M | $4.53 | $446.5M | — | 10.9% |
| FY2018 | $2.6B | $178.9M | $3.00 | $438.8M | — | 8.2% |
| FY2017 | $2.5B | $168.8M | $2.84 | — | — | 8.2% |
| FY2016 | $2.3B | $158.5M | $2.70 | — | — | 8.0% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
SELECTIVE INSURANCE GROUP INC is a consistent compounder, expanding top-line revenue at 9.9% annually over the past decade.
SELECTIVE INSURANCE GROUP INC returns on capital have been average, hovering around 9.1% ROIC over the decade.
Over the decade, SELECTIVE INSURANCE GROUP INC shows that the company has leveraged its balance sheet to sustain operations.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, SELECTIVE INSURANCE GROUP INC is modeled at 12.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $210.01 per share.