<p>RBC Capital 已恢复对 Selective Insurance Group (SIGI) 的覆盖，并持积极展望。该公司指出，在面临挑战的保险行业中，该公司的韧性表现突出，行业面临逆风和市场条件变化。</p>
<p>请查看我们对 Selective Insurance Group 的最新分析。</p>
<p>Selective Insurance Group 的股价最近显示出温和的反弹势头，过去一个月上涨了 6.4%，在艰难的一年中显得尤为突出。今年迄今为止，股价回报下降了 13.8%，而一年期的总股东回报为 -20.7%。尽管行业面临逆风和一些波动情绪，分析师的谨慎乐观与该股长期 31% 的五年总股东回报表明，对于耐心投资者而言，韧性可能正在形成叙述。</p>
<p>如果你对其他增长和强大管理可能导致的超额收益感到好奇，现在是探索内部持股比例高的快速增长股票的好时机。</p>
<p>但由于股价低于近期分析师目标，即使增长趋于稳定，问题在于 Selective Insurance Group 是否代表一个被低估的切入点，或者反弹的预期是否已经反映在当前价格中。</p>
<h2>最受欢迎的叙述：低估 2.6%</h2>
<p>Selective Insurance Group 最受关注的叙述表明，其公允价值略高于最近的收盘价，显示出仅有轻微的估值差距。分析师似乎持谨慎乐观态度，平衡持续的行业挑战与逐步改善的收益和运营变化。</p>
<blockquote>
<p><em>该公司持续关注和投资于运营效率，包括数据分析、数字索赔管理和承保工具，预计将推动综合比率改善并支持利润率扩张。这预计将导致长期净利润率和收益增长。</em></p>
</blockquote>
<p>阅读完整叙述。</p>
<p>想知道是什么推动了这个估值判断吗？完整的叙述揭示了关于未来效率提升、利润率扩张和风险管理举措财务影响的大胆假设。深入了解潜在的雄心勃勃的预测。</p>
<p><strong>结果：公允价值为 81.50 美元（被低估）</strong></p>
<p>完整阅读叙述，了解预测背后的原因。</p>
<p>然而，持续高企的商业汽车准备金风险和下降的保留率可能威胁到公司未来实现稳定收益增长的能力。</p>
<p>了解 Selective Insurance Group 叙述的关键风险。</p>
<h2>自建 Selective Insurance Group 叙述</h2>
<p>如果当前的故事不符合你的观点，或者你更喜欢自己深入数据，你可以在几分钟内塑造自己的展望。按你的方式进行。</p>
<p>一个好的起点是我们的分析，突出投资者对 Selective Insurance Group 的 5 个关键回报的乐观预期。</p>
<h2>寻找更多投资想法？</h2>
<p>不要让新机会从你身边溜走。迈出下一步，使用 Simply Wall Street 筛选器识别符合你投资目标的股票。</p>
<ul>
<li>通过审查这 30 只医疗保健 AI 股票，抓住医疗技术的势头，这些股票通过人工智能和数据驱动的创新改善医疗结果。</li>
<li>通过寻找这些收益率超过 3% 的 15 只分红股票来提升你的收入策略，这些股票提供有吸引力的收益和稳定的股东回报。</li>
<li>利用这些 28 只量子计算股票进入计算的未来，这些股票通过先进的量子技术和研究领导力正在革新各个行业。</li>
</ul>
<p><em>这篇文章由 Simply Wall St 撰写，性质为一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买卖任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>

Selective保险集团

<p>RBC Capital 重新覆盖 Selective Insurance Group (SIGI)，并给予积极展望，强调在充满挑战的保险行业中的韧性。尽管近期股价反弹，SIGI 仍以 81.50 美元的价格被低估。分析师们持谨慎乐观态度，指出其在运营效率方面的投资。风险包括高商业汽车储备和下降的客户保留率。投资者被鼓励探索高内部持股的成长股及其他投资机会。Simply Wall St 提供基于历史数据和预测的分析，并不构成财务建议</p>

<p>RBC Capital has reinstated coverage of Selective Insurance Group (SIGI) with a positive outlook. The firm points to the company’s resilience in a challenging insurance sector, which is marked by headwinds and shifting market conditions.</p>
<div class="lb-trans"><p>RBC Capital 已恢复对 Selective Insurance Group (SIGI) 的覆盖，并持积极展望。该公司指出，在面临挑战的保险行业中，该公司的韧性表现突出，行业面临逆风和市场条件变化。</p>
</div><p>See our latest analysis for Selective Insurance Group.</p>
<div class="lb-trans"><p>请查看我们对 Selective Insurance Group 的最新分析。</p>
</div><p>Selective Insurance Group’s share price has shown modest rebound momentum recently, with a 6.4% improvement over the past month standing out against a tough year. The year-to-date share price return is down 13.8%, and the one-year total shareholder return sits at -20.7%. Despite sector headwinds and some volatile sentiment, the mix of cautious optimism from analysts and the stock’s long-term 31% five-year total shareholder return suggest that resilience could be building into the narrative for patient investors.</p>
<div class="lb-trans"><p>Selective Insurance Group 的股价最近显示出温和的反弹势头，过去一个月上涨了 6.4%，在艰难的一年中显得尤为突出。今年迄今为止，股价回报下降了 13.8%，而一年期的总股东回报为 -20.7%。尽管行业面临逆风和一些波动情绪，分析师的谨慎乐观与该股长期 31% 的五年总股东回报表明，对于耐心投资者而言，韧性可能正在形成叙述。</p>
</div><p>If you’re curious about where else growth and strong management might lead to outperformance, this is a great moment to explore fast growing stocks with high insider ownership</p>
<div class="lb-trans"><p>如果你对其他增长和强大管理可能导致的超额收益感到好奇，现在是探索内部持股比例高的快速增长股票的好时机。</p>
</div><p>But with shares trading at a discount to recent analyst targets even as growth steadies, the question is whether Selective Insurance Group represents an undervalued entry point or if expectations for a rebound are already reflected in the current price.</p>
<div class="lb-trans"><p>但由于股价低于近期分析师目标，即使增长趋于稳定，问题在于 Selective Insurance Group 是否代表一个被低估的切入点，或者反弹的预期是否已经反映在当前价格中。</p>
</div><h2>Most Popular Narrative: 2.6% Undervalued</h2>
<div class="lb-trans"><h2>最受欢迎的叙述：低估 2.6%</h2>
</div><p>Selective Insurance Group’s most followed narrative suggests its fair value sits just above the recent closing price, signaling only a slight valuation gap. Analysts appear cautiously optimistic, balancing ongoing sector challenges with gradual earnings improvements and operational changes.</p>
<div class="lb-trans"><p>Selective Insurance Group 最受关注的叙述表明，其公允价值略高于最近的收盘价，显示出仅有轻微的估值差距。分析师似乎持谨慎乐观态度，平衡持续的行业挑战与逐步改善的收益和运营变化。</p>
</div><blockquote>
<p><em>The company's ongoing focus and investments in operational efficiency, including data analytics, digital claims management, and underwriting tools, are expected to drive improved combined ratios and support margin expansion. This is projected to lead to long-term net margin and earnings growth.</em></p>
</blockquote>
<div class="lb-trans"><blockquote>
<p><em>该公司持续关注和投资于运营效率，包括数据分析、数字索赔管理和承保工具，预计将推动综合比率改善并支持利润率扩张。这预计将导致长期净利润率和收益增长。</em></p>
</blockquote>
</div><p>Read the complete narrative.</p>
<div class="lb-trans"><p>阅读完整叙述。</p>
</div><p>Wondering what’s powering this valuation call? The full narrative reveals bold assumptions about future efficiency gains, margin expansion, and the financial impact of risk management initiatives. Dive in to see what ambitious projections lie beneath the surface.</p>
<div class="lb-trans"><p>想知道是什么推动了这个估值判断吗？完整的叙述揭示了关于未来效率提升、利润率扩张和风险管理举措财务影响的大胆假设。深入了解潜在的雄心勃勃的预测。</p>
</div><p><strong>Result: Fair Value of $81.50 (UNDERVALUED)</strong></p>
<div class="lb-trans"><p><strong>结果：公允价值为 81.50 美元（被低估）</strong></p>
</div><p>Have a read of the narrative in full and understand what's behind the forecasts.</p>
<div class="lb-trans"><p>完整阅读叙述，了解预测背后的原因。</p>
</div><p>However, persistently high commercial auto reserve risks and declining retention rates could threaten the company's ability to achieve stable earnings growth in the future.</p>
<div class="lb-trans"><p>然而，持续高企的商业汽车准备金风险和下降的保留率可能威胁到公司未来实现稳定收益增长的能力。</p>
</div><p>Find out about the key risks to this Selective Insurance Group narrative.</p>
<div class="lb-trans"><p>了解 Selective Insurance Group 叙述的关键风险。</p>
</div><h2>Build Your Own Selective Insurance Group Narrative</h2>
<div class="lb-trans"><h2>自建 Selective Insurance Group 叙述</h2>
</div><p>If the current story does not fit your view or you prefer to dig into the data yourself, you can shape your own outlook in just a few minutes. Do it your way</p>
<div class="lb-trans"><p>如果当前的故事不符合你的观点，或者你更喜欢自己深入数据，你可以在几分钟内塑造自己的展望。按你的方式进行。</p>
</div><p>A good starting point is our analysis highlighting 5 key rewards investors are optimistic about regarding Selective Insurance Group.</p>
<div class="lb-trans"><p>一个好的起点是我们的分析，突出投资者对 Selective Insurance Group 的 5 个关键回报的乐观预期。</p>
</div><h2>Looking for more investment ideas?</h2>
<div class="lb-trans"><h2>寻找更多投资想法？</h2>
</div><p>Don’t let fresh opportunities pass you by. Take the next step and use the Simply Wall Street Screener to identify stocks that match your investment goals.</p>
<div class="lb-trans"><p>不要让新机会从你身边溜走。迈出下一步，使用 Simply Wall Street 筛选器识别符合你投资目标的股票。</p>
</div><ul>
<li>Capture the momentum in healthcare technology by reviewing these 30 healthcare AI stocks which is shaping better medical outcomes through artificial intelligence and data-driven innovation.</li>
<li>Boost your income strategy by seeking out these 15 dividend stocks with yields &gt; 3% that offers attractive yields and consistency in shareholder returns.</li>
<li>Tap into the future of computing with these 28 quantum computing stocks which is revolutionizing industries through advanced quantum technologies and research leadership.</li>
</ul>
<div class="lb-trans"><ul>
<li>通过审查这 30 只医疗保健 AI 股票，抓住医疗技术的势头，这些股票通过人工智能和数据驱动的创新改善医疗结果。</li>
<li>通过寻找这些收益率超过 3% 的 15 只分红股票来提升你的收入策略，这些股票提供有吸引力的收益和稳定的股东回报。</li>
<li>利用这些 28 只量子计算股票进入计算的未来，这些股票通过先进的量子技术和研究领导力正在革新各个行业。</li>
</ul>
</div><p><em>This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.</em></p>
<div class="lb-trans"><p><em>这篇文章由 Simply Wall St 撰写，性质为一般性。<strong>我们提供基于历史数据和分析师预测的评论，仅使用无偏见的方法，我们的文章并不旨在提供财务建议。</strong> 它不构成买卖任何股票的推荐，也不考虑你的目标或财务状况。我们的目标是为你提供以基本数据驱动的长期分析。请注意，我们的分析可能未考虑最新的价格敏感公司公告或定性材料。Simply Wall St 在提到的任何股票中没有持仓。</em></p>
</div>

在 RBC Capital 重新给予积极评级后，重新审视 Selective 保险集团（SIGI）的估值