Selective Insurance Group stock | Price, analyst rating, price target & growth

Selective Insurance ...

NasdaqGS:SIGI

$ 85,62

+ $1,09 (1,29%)

85,62 $

+$1,09 (1,29%)

End-of-day quote: 12/22/2025

Selective Insurance Group Stock Value

Analysts currently give NasdaqGS:SIGI a rating of Hold.

Hold

Selective Insurance Group Company Info

EPS Growth 5Y

-5,76%

Market Cap

$5,17 B

Long-Term Debt

$0,50 B

Short Interest

3,27%

Annual earnings

02/05/2026

Dividend

$1,74

Dividend Yield

2,03%

Founded

1926

Industry

Financials

Country

United States

ISIN Number

US8163001071

Website

http://www.selective.com

Analyst Price Target

$82,00

-4.23%

Last Update: 12/23/2025

Analysts: 7

Highest Price Target $95,00

Average Price Target $82,00

Lowest Price Target $72,00

In the last five quarters, Selective Insurance Group’s Price Target has fallen from $135,07 to $107,14 - a -20,68% decrease. Seven analysts predict that Selective Insurance Group’s share price will fall in the coming year, reaching $82,00. This would represent a decrease of -4,23%.

Top growth stocks in the financials sector (5Y.)

What does Selective Insurance Group do?

Selective Insurance Group, Inc. operates as a property and casualty insurance company. The company, through its subsidiaries, offers standard commercial, standard personal, and excess and surplus (‘E&S’) lines property and casualty insurance products. The company owns ten property and casualty insurance subsidiaries (‘Insurance Subsidiaries’). The Insurance Subsidiaries sell products and services only in the United States (‘U.S.’) and exclusively through independent insurance agents and wholes...

Selective Insurance Group, Inc. operates as a property and casualty insurance company.

The company, through its subsidiaries, offers standard commercial, standard personal, and excess and surplus (‘E&S’) lines property and casualty insurance products.

The company owns ten property and casualty insurance subsidiaries (‘Insurance Subsidiaries’). The Insurance Subsidiaries sell products and services only in the United States (‘U.S.’) and exclusively through independent insurance agents and wholesale brokers. Various state departments of insurance license nine of the company’s subsidiaries as admitted carriers to write specific lines of property and casualty insurance in the standard marketplace; and authorize the tenth subsidiary as a non-admitted carrier to write property and casualty insurance in the excess and surplus (‘E&S’) lines market.

Segments

The company has the following four reportable segments:

Standard Commercial Lines: This segment sells the company’s Standard Commercial Lines property and casualty insurance products and services to commercial enterprises, typically businesses, non-profit organizations, and local government agencies, primarily in 35 states and the District of Columbia.

Standard Personal Lines: This segment sells the company’s Standard Personal Lines property and casualty insurance products and services primarily to individuals in 15 states. Standard Personal Lines includes flood insurance coverage sold in all 50 states and the District of Columbia through the Write Your Own (‘WYO’) program of the National Flood Insurance Program (‘NFIP’).

E&S Lines: This segment sells the company’s E&S Lines property and casualty insurance products and services in all 50 states and the District of Columbia. The market for the company’s E&S Lines property and casualty insurance products and services is commercial customers unable to obtain coverage in the standard marketplace, generally because of unusual or high-risk exposures. E&S insurers may write an insurance policy if three separate standard line carriers have declined to write the risk to be insured; and are exempt from many standard market requirements, including form and rate regulation.

Investments: This segment invests the premiums the company’s Insurance Subsidiaries collect and amounts generated through the company’s capital management strategies, including debt and equity securities issuance.

Insurance Operations

The company’s insurance operations generate revenue selling insurance policies and services for insurance premiums. One-year term policies constitute nearly all of the company’s sales. The company regularly analyzes its overall reserve position through internal and external actuarial reserve reviews.

To protect the company’s capital resources and manage the risks associated with its insured risks, the company purchases reinsurance from and enters into other risk transfer agreements with third parties. The company’s insurance subsidiaries transfer risks and share premiums and losses based on percentages specified in an internal reinsurance pooling agreement.

Products and Services

The company’s Insurance Subsidiaries sell two broad categories of insurance policies:

Casualty insurance, which generally covers the financial consequences of third-party bodily injury and/or property damage from an insured's negligent acts, omissions, or legal liabilities; the company’s obligation to defend its insured(s) for covered claims; and injuries employees suffer in the course of employment. Casualty claims are long-tailed, and while the majority of these claims are reported within the first few years, they may take many years to fully resolve.

Property insurance, which generally covers accidental loss to an insured's real property, personal property, and/or property loss-related earnings. Property claims are usually reported and settled in a relatively short period after the date of loss.

Customers and Customer Markets

The company categorizes its Standard Commercial Lines customers into five strategic business units (‘SBUs’):

Contractors: General contractors and trade contractors.

Mercantile and Services: Retail, office, lessors risk/property owners, automobile services, and golf courses.

Community and Public Services: Public entities, social services, religious institutions, and schools.

Manufacturing and Wholesale: Manufacturers, wholesalers, and distributors.

Bonds: Fidelity and surety.

Geographic Markets

The company sells its insurance products and services in the following geographic markets:

Standard Commercial Lines products and services, primarily in 35 states and the District of Columbia.

Standard Personal Lines products and services, primarily in 15 states in the Eastern, Midwestern, and Southwestern regions of the U.S. Flood insurance, reported in this segment, is sold in all 50 states and the District of Columbia.

E&S Lines products and services, in all 50 states and the District of Columbia.

In 2024, the company began writing Standard Commercial Lines business in Maine, Nevada, Oregon, Washington, and West Virginia. The company’s geographic expansion in recent years allows it to compete more effectively against national insurers and diversify its portfolio risk. The company expects to enter Kansas, Montana, and Wyoming over the next two years. After that, the company’s pace of geographic expansion should moderate as it moves closer to its goal of operating the company’s Standard Commercial Lines business with a near national footprint.

Distribution Channels

The property and casualty insurance market has three main distribution methods: sales through appointed independent insurance agents and wholesale brokers; direct sales to personal and commercial customers, including Internet-based digital platforms; and sales through captive insurance agents employed by or contracted to sell exclusively for one insurer.

By segment, the company uses the following types of independent distribution partners to sell the company’s insurance products and services:

Standard Commercial Lines: Independent retail agents;

Standard Personal Lines: Independent retail agents; and

E&S Lines: Wholesale general agents.

Independent Retail Agents and Standard Lines

The company expects that independent retail insurance agents – representing most of the company’s distribution partners – will remain a significant force in overall insurance industry premium production.

Approximately 1,640 distribution partners sell the company’s standard lines products and services through approximately 2,840 office locations. About 850 of these distribution partners sell the company’s Standard Personal Lines products. Approximately 6,420 distribution partners sell the company’s flood insurance products.

Wholesale General Agents and E&S Lines

The company has approximately 80 wholesale general agents, with an aggregated 270 office locations, selling the company’s E&S Lines business.

Investments segment

The company maximizes the portfolio's overall total return by investing the premiums from its insurance operations and amounts generated through its capital management strategies, including debt and equity security issuances, and

The company maintains a well-diversified portfolio across issuers, sectors, and asset classes; and a high credit quality fixed income securities portfolio with a duration and maturity profile at an acceptable risk level that provides ample liquidity. The company’s fixed income securities primarily include corporate, asset-backed and mortgage-backed securities; and state and local municipal obligations. The company also invests in public equity securities, commercial mortgage loans, short-term investments, alternative investments, and other investments. Alternative investments primarily include limited partnership investments in private equity, private credit, and real estate strategies. Other investments include Federal Home Loan Bank (‘FHLB’) stock and tax credit investments.

Marketing

The company’s primary marketing strategy is to:

Use a locally-based, empowered field underwriting model for Standard Commercial Lines, placing decision-makers and resources near the company’s customers and distribution partners.

Deploy a distribution model that allows the principals and producers of the company’s high-quality independent insurance agencies to realize the substantial franchise value of its appointment and their right to sell its Insurance Subsidiaries' products and services.

Develop and carefully monitor annual goals with each distribution partner on the types and mix of risks they place with the company, new business and renewal retention expectations and pricing, and the profitability of the business they place with the company.

Leverage people and technology to enhance brand recognition and provide meaningful customer engagement through a data-driven omnichannel marketing strategy focused on delivering a superior customer experience.

Regulation

The company’s various state insurance regulators are members of the National Association of Insurance Commissioners (‘NAIC’), which has established statutory accounting principles (‘SAP’) and other accounting reporting formats and model insurance laws and regulations governing insurance companies.

While primarily regulated at the state level, the company’s business is subject to federal laws and regulations, including:

The McCarran-Ferguson Act;

The Terrorism Risk Insurance Program Reauthorization Act (‘TRIPRA’);

The NFIP, overseen by the Mitigation Division of the Federal Emergency Management Agency (‘FEMA’);

The Medicare, Medicaid, and SCHIP Extension Act of 2007, which subjects the company’s workers compensation business to Mandatory Medicare Secondary Payer Reporting;

The economic and trade sanctions of the Office of Foreign Assets Control (‘OFAC’);

Various privacy laws related to possessing personal non-public information, including the following: Gramm-Leach-Bliley Act; Fair Credit Reporting Act; Drivers Privacy Protection Act; and Health Insurance Portability and Accountability Act.

The Sarbanes-Oxley Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act (‘Dodd-Frank Act’) govern publicly-traded companies. These laws require or permit national stock exchanges or associations, such as the Nasdaq Stock Market LLC, where the company lists its equity securities, to mandate certain governance practices.

The Dodd-Frank Act, enacted in 2010 in response to the 2008 and 2009 financial markets crises, provided for some public company corporate governance reforms and some oversight of the business of insurance, including establishing the Federal Insurance Office (‘FIO’) under the U.S. Department of the Treasury; and granting the Federal Reserve oversight of financial services firms designated as systemically important.

The FIO, consistent with its authority under the Dodd-Frank Act negotiated a covered agreement with the European Union that, among other things, impacted reinsurance collateral requirements for foreign reinsurers; and has been gathering insurance market data.

History

Selective Insurance Group, Inc. was founded in 1926. The company was incorporated in New Jersey in 1977.

Selective Insurance Group Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry revenue breakdown: Commercial insurance: approx. 60% Personal insurance for individuals: approx. 25% Specialty insurance: approx. 15% TOP 3 markets and their percentage shares: USA Northeast: approx. 40% USA Southeast: approx. 30% USA Midwest: approx. 20% Selective Insurance Group, Inc....

At which locations are the company’s products manufactured?

Headquarters: Branchville, New Jersey, USA Selective Insurance Group, Inc. is an insurance company and does not produce physical products. Instead, it offers a variety of insurance services, including property and casualty insurance. The services are mainly offered in the USA, and the company operat...

What strategy does Selective Insurance Group pursue for future growth?

Revenue Growth: Estimate 6-8% annually (based on industry trends 2023-2024) Selective Insurance Group, Inc. pursues a growth strategy based on diversifying its insurance products and expanding geographically. The company focuses on increasing its market share in existing markets while also entering...

Which raw materials are imported and from which countries?

Selective Insurance Group, Inc. is an insurance company and not a manufacturing company. Therefore, it does not import raw materials or materials, as is common in the manufacturing industry. Insurance companies like Selective Insurance Group focus on services, particularly on providing insurance pro...

How strong is the company’s competitive advantage?

Market share: 2.5% (estimated for 2025) Combined Ratio: 95.2% (2024) Return on Equity (ROE): 10.8% (2024) Selective Insurance Group, Inc. has a moderate competitive advantage in the insurance industry. The market share of about 2.5% indicates that the company occupies a niche position, which has bot...

What is the share of institutional investors and insider buying/selling?

Institutional Investor Share: 85% (estimated, based on historical data from 2023) Insider Buys/Sells: No significant changes reported (estimated, based on historical trends) Selective Insurance Group, Inc. has traditionally had a high institutional investor share, indicating the trust of large inves...

What percentage market share does Selective Insurance Group have?

Market share of Selective Insurance Group, Inc.: Estimated 2-3% (2025) Top competitors and their market shares: State Farm: 9-10% Berkshire Hathaway (GEICO): 7-8% Progressive Corporation: 6-7% Allstate Corporation: 5-6% Liberty Mutual: 4-5% Travelers Companies, Inc.: 3-4% USAA: 3-4% Chubb Limited:...

Is Selective Insurance Group stock currently a good investment?

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Customer Satisfaction: 4.5 out of 5 stars (2024, industry survey) Selective Insurance Group, Inc. recorded solid revenue growth of 8.5% in 2024, indicating an effective business strategy and a strong market presence. The profit growth of 10.2%...

Does Selective Insurance Group pay a dividend – and how reliable is the payout?

Dividend yield: 1.8% (2025, estimated) Dividend growth: 5% annually (average over the last 5 years) Selective Insurance Group, Inc. regularly pays a dividend to its shareholders. The current dividend yield is approximately 1.8%, which is in the mid-range compared to other companies in the insuranc...

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Selective Insurance Group Stock Value

Selective Insurance Group Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Selective Insurance Group do?

Selective Insurance Group Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal