ScoreWhy is Selective Insurance Group, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 10.83%
2
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 1,272.3 MM
- ROCE(HY) Highest at 13.86%
- DIVIDEND PER SHARE(HY) Highest at USD 0
3
With ROE of 11.39%, it has a fair valuation with a 2.61 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -10.58%, its profits have risen by 63.7% ; the PEG ratio of the company is 0.4
4
High Institutional Holdings at 95.29%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Selective Insurance Group, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Selective Insurance Group, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Selective Insurance Group, Inc.
-10.58%
-0.64
29.70%
S&P 500
20.12%
1.04
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.77%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.37%
Dividend Payout Ratio
20.97%
Pledged Shares
0
Institutional Holding
95.29%
ROCE (avg)
0
ROE (avg)
10.83%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
2.61
EV to EBIT
NA
EV to EBITDA
270.93
EV to Capital Employed
2.72
EV to Sales
1.68
PEG Ratio
0.36
Dividend Yield
1.05%
ROCE (Latest)
ROE (Latest)
11.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 1,272.3 MM
ROCE(HY)
Highest at 13.86%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 1,368.29 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
OPERATING PROFIT(Q)
Highest at USD 212.74 MM
OPERATING PROFIT MARGIN(Q)
Highest at 15.55 %
PRE-TAX PROFIT(Q)
Highest at USD 199.5 MM
NET PROFIT(Q)
Highest at USD 157.92 MM
EPS(Q)
Highest at USD 2.52
-8What is not working for the Company
INTEREST(HY)
At USD 26.49 MM has Grown at 82.77%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 17.07%
DEBT-EQUITY RATIO
(HY)
Highest at 27.41 %
Here's what is working for Selective Insurance Group, Inc.
Operating Cash Flow
Highest at USD 1,272.3 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 1,368.29 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 212.74 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 15.55 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 199.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 199.5 MM has Grown at 62.28%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 157.92 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 157.92 MM has Grown at 60.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.52
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Selective Insurance Group, Inc.
Interest
At USD 26.49 MM has Grown at 82.77%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 27.41 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Dividend Payout Ratio
Lowest at 17.07%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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