Selective Insurance Group, Inc. (SIGI)

In July 2025, Selective Insurance Group reported its second-quarter financial results, with revenue meeting expectations but GAAP profit per share falling short, leading to a stock price decline. In October 2025, Selective reported its third-quarter earnings, with EPS topping estimates and revenue rising year-over-year. Analyst ratings have varied, with RBC Capital initiating coverage with an "Outperform" rating, while Morgan Stanley maintained a "Sell" rating. Piper Sandler raised its price target, maintaining a "Hold" rating, and Keefe, Bruyette & Woods lowered its price target, also maintaining a "Hold" rating. The stock's 52-week range has been between $71.75 and $96.49. Selective Insurance Group is estimated to report its fourth-quarter 2025 earnings on January 29, 2026.

Demand for Selective Insurance Group's products and services exhibits seasonality, influenced by weather events and economic activities. Property and casualty insurers experience surges in demand during natural disaster seasons and winter storm seasons. The home-buying season in spring and summer also leads to a spike in demand for homeowners insurance. Auto insurance demand tends to peak in the spring and summer due to increased car purchases. The construction season in warmer months can also contribute to seasonal demand for commercial insurance products.

Selective Insurance Group, Inc. operates in the Financials sector, providing property and casualty insurance products and services. The company offers a wide array of insurance products for commercial and personal lines customers through four segments: Standard Commercial Lines, Standard Personal Lines, E&S Lines, and Investments. For commercial clients, Selective offers coverage for small- and medium-sized businesses, including general liability, commercial automobile, workers' compensation, and specialty lines. In its personal lines segment, the company provides homeowners, personal automobile, and umbrella policies. Additionally, Selective offers flood insurance and manages a portfolio that includes fixed income investments, commercial mortgage loans, equity securities, and alternative investments.

Selective operates across the United States through a network of over 3,000 appointed independent agencies. The company has been expanding its geographic reach, adding 13 states to its Standard Commercial lines footprint since 2017, including five new states in 2024, bringing its total to 35 states and the District of Columbia for Standard Commercial lines. Beyond its domestic operations, Selective also conducts underwriting activity in the London (Lloyd's) and Bermuda markets and maintains limited operations in Canada and the European Union.

Selective Insurance Group maintains a positive brand reputation and is recognized as an employer of choice. The company has been listed in Forbes Best Midsize Employers and certified for six consecutive years as a Great Place to Work®. The company is actively investing in digital capabilities, strategic partnerships, and community engagement to strengthen its market position and customer experience.

Institutional investors hold a significant majority of Selective Insurance Group's stock, approximately 82.88% to 88%. Major institutional shareholders include BlackRock, Inc., The Vanguard Group, Inc., and FMR LLC. Insiders, including directors and executive officers, collectively own a smaller stake, approximately 0.85% to 1.19% of the company's stock.