Stock Ratings / Financials / SIGI / insiders

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Selective Insurance Group Inc. (SIGI) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$98.83 -0.49% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $98.98

Selective Insurance Group Inc. (SIGI) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 7% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $5.83B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SIGI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SIGI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Selective Insurance Group Inc. (NASDAQ: SIGI) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $98.83 (-0.49% 1D, market cap $5.83B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, SIGI ranks #47 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SIGI compare to MTG and RLI in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), SIGI carries a Roarable B (74/100 RQD), trailing P/E of 12.6x, gross margin of —, and ROIC of 6.8%. By comparison, MTG (MGIC Investment Corporation) holds a B grade (72/100 RQD, P/E 8.0x, ROIC 13.2%, cap $5.83B) and RLI (RLI Corp.) posts a B+ grade (80/100 RQD, P/E 14.7x, ROIC 13.5%, cap $5.98B). Among the 5-stock peer group, MTG leads on earnings multiple (8.0x) while MCY leads on capital efficiency (22.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SIGI?

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Per SIGI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000230557), Selective Insurance Group Inc. generated $5.34B in revenue (+9.8% YoY), $466.4M in net income, and $1.19B in free cash flow against $15.16B in total assets and $5.20B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $98.98 (+0.15%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 22.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SIGI)Realized 20D OHLCV Swing Band: ±4.8%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY SIGI SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±4.8% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 10.3% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$86.21+5.6% Next Q

Q2 (-2Q)

Grade B-$91.08+7.3% Next Q

Q3 (-1Q)

Grade B$97.73+1.1% Next Q

Current

Grade B$98.83+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SIGI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, SIGI faces multiple-compression risk if 12.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($90.04) or 200D SMA ($87.83) invalidates the momentum regime and cuts Target Base ($105.95) toward Bear Floor ($81.04).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SIGI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SIGI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

SIGI Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (SIGI)

No recent open-market Form 4 cluster sales or emergency dumps flagged on SIGI. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SIGI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SIGI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.19%📐 HORIZONTAL RANGE

2026-11-03O $99.32H $99.32L $98.83C $98.83VOL 394.7K

RES: $102.8SUP: $78.56SMA50: $90.04SMA200: $87.83

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SIGI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SIGI Butterfly Map → + Track SIGI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

3.5%/yr Implied 5Y Growth

vs. +9.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SIGI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SIGI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SIGI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SIGI)

Financials Rank #47 of 1096 ⚔️ MTG vs SIGI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SIGI vs. MTG, RLI, MCY, ESNT)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Selective Insurance Group Inc. (SIGI) ranks #47 by composite RQD confidence (74/100, grade B) and #247 by equity capitalization ($5.83B). Within this direct 5-issuer industry benchmark cohort, MTG leads on earnings valuation at 8.0x trailing P/E, while MCY leads on capital efficiency and profitability with 22.4% ROIC and — gross margin. RLI currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with SIGI at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SIGI ACTIVE Selective Insurance Group Inc.	B	74/100	12.6x	—	6.8%	-0.49%	$5.83B	Benchmark Subject
MTG MGIC Investment Corporation	B	72/100	8.0x	—	13.2%	-1.52%	$5.83B	/mtg-vs-sigi →
RLI RLI Corp.	B+	80/100	14.7x	—	13.5%	+0.94%	$5.98B	/rli-vs-sigi →
MCY Mercury General Corporation	B	72/100	10.5x	—	22.4%	-0.22%	$5.67B	/mcy-vs-sigi →
ESNT Essent Group Ltd.	B+	77/100	8.8x	—	11.9%	-0.86%	$6.02B	/esnt-vs-sigi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000230557

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Selective Insurance Group Inc. (SIGI) reported GAAP revenue of $5.34B (+9.8% vs. FY2024 revenue of $4.86B , and +26.1% cumulative change since FY2023) , GAAP net income of $466.4M, operating cash flow of $1.23B, and free cash flow of $1.19B (+11.7% YoY). On the balance sheet, SIGI closed FY2025 with $15.16B in total assets against $5.20B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$5.34B	$466.4M	$1.23B	$1.19B	$15.16B	$5.20B
FY2024 (FY)	2024-12-31	$4.86B	$207.0M	$1.10B	$1.07B	$13.51B	$4.68B
FY2023 (FY)	2023-12-31	$4.23B	$365.2M	$758.9M	$568.5M	$5.08B	$1.19B

3. SIGI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SIGI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SIGI compare to MTG and RLI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SIGI?

Where is SIGI trading relative to its 50-day, 200-day, and 52-week technical levels?

SIGI last traded at $98.83 (-0.49% on volume of 394,696 shares), positioning the stock +9.76% above its 50-day simple moving average ($90.04) and +12.52% above its 200-day simple moving average ($87.83). Across its 52-week range of $72.78 to $101.25, SIGI sits at the 91.5% percentile with a 14-day RSI of 73.0 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.8% ($94.09 to $103.57).

SIGI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are SIGI insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies SIGI leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: SIGI RQD Cockpit SIGI 12M Forecast SIGI Earnings & Move SIGI Dividends & DRIP SIGI Insiders & 13F SIGI Whale Options SIGI Profit Sankey SIGI News & Why

ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SIGI — Selective Insurance Group Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:19:40Z

Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD rating is 75 out of 100, a letter grade of B, with the verdict label "Roarable Buy — Good Risk/Reward" (per the Roarable RQD rating). The score is built from five pillars:

Fundamental Cash Engine: 12 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 6.8% and an FCF yield of 20.38%. The FCF yield is the most striking figure in the dataset, but it sits against a ROIC that is modest, so the pillar earns only a middling score. An investor should weigh the cash-generation signal against the relatively low capital return on the business.
Whale / 13F Flow: 16 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The source data does not itemize specific 13F holdings, so the score is a summary, not a verifiable position count.
Insider Conviction: 17 / 20. Per the Roarable RQD rating, this is the highest pillar and reflects SEC Form 4 and Congressional PTR cluster flow. The underlying trade-level detail is not included in the source data.
Macro Regime Fit: 15 / 20. Per the Roarable RQD rating, this pillar reflects Beta of 1.16 and sector sensitivity. A beta above 1.0 implies the stock has historically moved more than the broad market, which means it can participate more in rallies and can also fall more in risk-off periods.
Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, this pillar reflects Altman Z of 2.5, Piotroski F of 8 out of 9, and Debt/Equity of 0.5. These are generally supportive readings of balance-sheet health.

Taken together, the rating points to a stock with a credible cash profile, supportive insider and institutional signals, and a balance sheet the scoring model views favorably. The main tradeoffs are a relatively low ROIC and a beta above market, which together suggest that upside drivers (strong cash flow, insider buying) are offset by valuation and cyclical sensitivity. Valuation multiples (P/E of 12.6 TTM, forward P/E of 11.7) are presented in the market data without a sector comparison in the source, so whether the multiple is cheap or fair cannot be concluded from this dataset alone. This analysis is educational and not personalized financial advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
$99.32	$5.86B	12.6	11.7	14.8	7.91	1.59%	1.16	$72.78 - $101.25	6.8%

Business

Selective Insurance Group Inc. is a NASDAQ-listed company in the Financials sector, Property-Casualty Insurers industry (per the SEC financials and profile). The profile describes the company as a Property-Casualty insurer with a market capitalization of $5.9B. The source data does not detail its product lines, customer segments, or distribution channels. Revenue and earnings figures are reported in the Financial Trend section. Not available in source data for further business-model detail beyond sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$5336.9M	$550.4M	$466.4M	N/A	$1194.3M	N/A	$5196.0M
FY 2024	$4861.7M	$244.3M	$207.0M	N/A	$1069.1M	N/A	$4677.4M
FY 2023	$4232.1M	$431.0M	$365.2M	N/A	$568.5M	N/A	$1188.4M

Per the SEC financials, revenue rose from $4232.1M (FY 2023) to $5336.9M (FY 2025), and net income moved from $365.2M to $466.4M over the same span, with a dip to $207.0M in FY 2024. Operating margin is reported as 10.7% and net margin as 8.7% (per the market data). Per the market data, ROIC is 6.8%, and the Altman Z-Score (2.5) and Piotroski F-Score (8/9) are cited in the Roarable RQD rating. Debt rose from $1188.4M (FY 2023) to $5196.0M (FY 2025) per the SEC financials, while the Roarable RQD rating cites Debt/Equity of 0.5. Cash balances are not available in source data.

Recent Catalysts & News Wire Analysis

Per the recent news feed, the headlines include a "Q3 Results" story describing a stock climb on sharpened profit focus (flagged YELLOW, Market Wire), a GuruFocus report that Q3 earnings beat estimates (flagged GREEN, Catalyst), and a TradingView report that the company missed Q3 2026 revenue estimates (flagged RED, Risk Watch). A Stock Titan filing report describes an investment chief holding 5,172 shares directly (flagged YELLOW). A MarketBeat report cites a Morgan Stanley analyst expecting the stock price to rise (flagged YELLOW). The news wire therefore contains mixed signals: an earnings beat on one report, a revenue miss on another. Per the Butterfly Supply-Chain Graph, there are no supply-chain links and no proprietary signals in the source data.

Open Questions

What are the company's cash and equity balances? The cash field is N/A in every period, and equity is not reported, so Debt/Equity of 0.5 cannot be reconciled with the reported debt figures.
Why does debt rise from $1188.4M (FY 2023) to $5196.0M (FY 2025) while net income is reported at $466.4M? What drove the increase?
Which Q3 result is accurate: the earnings beat or the revenue miss? The news wire reports both.
What is the sector-relative valuation? The P/E and EV/EBITDA figures have no peer comparison in the source data.
What specific trades underlie the insider (Form 4) and Congressional PTR cluster flow scored in the RQD?

SIGI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Selective Insurance Group Inc. (SIGI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SIGI Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance • 18h ago

Selective Insurance Group (SIGI) stock trades up, here is why

Yahoo Finance report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 21h ago

Selective Insurance (SIGI) Stock Climbs As Q3 Results Sharpen Profit Focus

Yahoo Finance report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH TradingView • 1d ago

Selective Insurance Group (NASDAQ:SIGI) misses Q3 2026 revenue estimates

TradingView report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Investment chief Vaibhav Kalia reports 5,172 shares held directly in Selective Insurance (SIGI).

Stock Titan report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST GuruFocus • 1d ago

Selective Insurance Group Inc (SIGI) Q3 Earnings Beat Estimates

GuruFocus report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Selective Insurance Group (NASDAQ:SIGI) Stock Price Expected to Rise, Morgan Stanley Analyst Says

MarketBeat report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Selective Insurance Group (SIGI) Stock Climbs As Q3 Earnings Sharpen Underwriting Story

Simply Wall St report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Selective Insurance Group (SIGI) To Report Earnings Tomorrow: Here Is What To Expect

Yahoo Finance report covering Selective Insurance Group Inc. (SIGI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SIGI Bull vs. Bear Conversation Board — What's Your Call at $98.83?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SIGI 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $117.20 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is SIGI (B • RQD 75/100) a Buy at $99.32?

Welcome to the SIGI (Selective Insurance Group Inc.) Roar Pit. Current RQD Composite is 75/100 (Roarable Buy — Good Risk/Reward) in Property-Casualty Insurers. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $75.48 (-24.0%)

Spot @ $99.32

Pump the brakes on SIGI — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on SIGI, but look at what you are paying: 12.6x trailing P/E with tightening sector spreads. Unless Selective Insurance Group Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $126.14 (+27.0%)

Spot @ $99.32

SIGI cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on SIGI, the market is fixating on short-term headline noise in Property-Casualty Insurers and ignoring the balance sheet and cash flow trajectory. At $99.32 (52-wk range $72.78 - $101.25), any beat on forward guidance forces shorts and underweight funds to chase.