Is SAFT or SIGIP more undervalued in 2026?

CirclFi compares Safety Insurance Group, Inc. (SAFT) and Selective Insurance Group, Inc. (SIGIP) using 13 institutional-grade valuation models. SAFT has a Quality of Company score of 8.1/10 while SIGIP scores 8.4/10.

Which is a better buy — SAFT or SIGIP?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SAFT and SIGIP valuations compare?

SAFT at $70.47 and SIGIP at $16.53 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SAFT vs SIGIP Valuation Comparison 2026 — Intrinsic Value Analysis

SAFT

Insurance - Property & Casualty

Safety Insurance Group, Inc.

Quality

8.1

out of 10

Value Trap

SAFE

Price

$70.47

Last close

Models

12/13

Active

SIGIP

Insurance - Property & Casualty

Selective Insurance Group, Inc.

Quality

8.4

out of 10

Value Trap

—

Price

$16.53

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	SAFT Fair Value	SAFT Upside	SIGIP Fair Value	SIGIP Upside
Bayesian DCF	Intrinsic	$86.21	+22.3%	—	—
Earnings Power Value	Intrinsic	$30.37	-56.9%	$58.74	+255.4%
EROIC Spread	Intrinsic	$47.63	-32.4%	$29.29	+77.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SAFT vs SIGIP — Which Stock Is More Undervalued?

SIGIP scores higher with a 8.4/10 quality rating vs SAFT's 8.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Safety Insurance Group, Inc. (SAFT) and Selective Insurance Group, Inc. (SIGIP) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SAFT currently trades at $70.47 with a QOC of 8.1/10, while SIGIP trades at $16.53 with a QOC of 8.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).