Selective Insurance Group, Inc. (SIGI)

In the past six months, Selective Insurance Group, Inc. announced a 13% increase in its quarterly dividend and authorized a new $200 million share repurchase program. The company reported its Q3 2025 earnings, with an EPS of $1.75, beating analyst estimates, and revenue of $1.21 billion, which was below the consensus estimate. Following the Q3 earnings report, the stock price dropped, and several analysts have cut their price targets for SIGI, with a consensus "Hold" rating. On October 24th, 2025, the EVP, Chief Financial Officer, Patrick Sean Brennan, acquired 2,700 shares of SIGI common stock. The ongoing U.S. federal government shutdown poses risks to the company's investment portfolio and insurance product demand.

The provided search results do not contain explicit information about the demand seasonality for Selective Insurance Group, Inc.'s products and services. However, as a property and casualty insurer, demand for certain products like property insurance could be influenced by seasonal weather patterns. The company's focus on diversifying its geographic footprint and product lines could also be a strategy to mitigate potential seasonal fluctuations in specific regions or product categories. The company's revenue streams are diversified, with contributions from Standard Personal Lines and investments, which can provide a buffer against market volatility and sector-specific risks.

Selective Insurance Group, Inc. (SIGI) is a holding company for ten property and casualty insurance subsidiaries operating in the United States, categorized within the Finance sector, specifically in the Property-Casualty Insurers industry. The company offers a diverse range of insurance products and services across four main segments: Standard Commercial Lines, Standard Personal Lines, E&S (Excess and Surplus) Lines, and Investments. Its major products include casualty, property, and flood insurance, as well as standard commercial and personal lines, E&S lines, and investment management.

Selective Insurance Group, Inc. primarily provides insurance products and services in the United States and has been actively expanding its geographic reach, adding 14 states to its Standard Commercial Lines footprint since 2017, with plans to add two more by 2026, aiming for a near-national footprint. The company delivers its insurance solutions through over 3,000 appointed independent agencies across the United States. Beyond its domestic operations, Selective also conducts underwriting activities in the London (Lloyd's) and Bermuda markets, and has limited operations in Canada and the European Union.

Selective Insurance Group's brand reputation in the past year appears to be generally stable, with recognition as both a leading insurance provider and an employer of choice, being listed in Forbes Best Midsize Employers. The company's underwriting performance has faced challenges, with a combined ratio of 98.6% for Q3 2025. Selective has experienced unfavorable prior year casualty reserve development, particularly in its casualty lines and specifically in New Jersey's commercial auto segment. While some analysts maintain a "Hold" rating, price target adjustments reflect some concerns regarding slower premium growth and higher core loss ratios. The company's consistent dividend increases and new share repurchase programs demonstrate a commitment to returning value to shareholders, which can positively impact reputation among investors. Selective's ongoing geographic expansion and investments in predictive analytics and operational efficiency are positive indicators for its long-term strategy and reputation for innovation.

Selective Insurance Group, Inc. is heavily dominated by institutional owners, who hold approximately 87% of the shares. Major institutional owners include BlackRock, Inc., Vanguard Group Inc., and Fmr LLC. The largest individual shareholder is William M. Rue, owning 0.78% of the company.