SIGI · Selective Insurance Group Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $5.34B | $4.86B | $4.23B | $3.56B | $3.38B | $2.92B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $36.45M | $34.60M | $30.69M | $31.12M | $28.30M | $25.41M |
| D&A | $26.30M | $26.50M | $24.70M | $24.60M | $24.30M | $21.50M |
| Operating Income | $589.60M | $258.03M | $458.41M | $280.19M | $505.31M | $302.99M |
| Interest Expense | $49.32M | $28.88M | $28.80M | $28.85M | $29.16M | $30.84M |
| Income Tax | $123.19M | $51.02M | $93.17M | $55.30M | $101.47M | $56.63M |
| Net Income | $466.41M | $207.01M | $365.24M | $224.89M | $403.84M | $246.35M |
| EPS - Basic | $7.54 | $3.25 | $5.87 | $3.57 | $6.55 | $4.12 |
| EPS - Diluted | $7.49 | $3.23 | $5.84 | $3.54 | $6.50 | $4.09 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $17.96M | $63.02M | $13.27M | $25.21M | $45.06M | $15.23M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $15.16B | $13.51B | $11.80B | $10.80B | $10.46B | $9.69B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | $507.94M | $503.95M | $504.68M | $506.05M | $550.74M |
| Total Liabilities | $11.55B | $10.39B | $8.85B | $8.27B | $7.48B | $6.95B |
| Stockholders' Equity | $3.61B | $3.12B | $2.95B | $2.53B | $2.98B | $2.74B |
| Retained Earnings | $3.50B | $3.14B | $3.03B | $2.75B | $2.60B | $2.27B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.23B | $1.10B | $758.91M | $802.41M | $771.42M | $554.04M |
| Investing Cash Flow | ($1.49B) | ($947.38M) | ($686.36M) | ($734.45M) | ($618.78M) | ($688.17M) |
| Financing Cash Flow | $207.48M | ($102.75M) | ($84.49M) | ($87.82M) | ($122.81M) | $141.38M |
| CapEx | $38.74M | $30.81M | $22.63M | $26.02M | $22.16M | $22.06M |
| Free Cash Flow | $1.19B | $1.07B | $736.28M | $776.39M | $749.26M | $531.98M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 11.0% | 5.3% | 10.8% | 7.9% | 15.0% | 10.4% |
| EBITDA margin | 11.5% | 5.9% | 11.4% | 8.6% | 15.7% | 11.1% |
| Net margin | 8.7% | 4.3% | 8.6% | 6.3% | 12.0% | 8.4% |
| Free cash flow margin | 22.4% | 22.0% | 17.4% | 21.8% | 22.2% | 18.2% |
| FCF / Net income | 2.56 | 5.16 | 2.02 | 3.45 | 1.86 | 2.16 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 20.9% | 19.8% | 20.3% | 19.7% | 20.1% | 18.7% |
| Return on assets | 3.1% | 1.5% | 3.1% | 2.1% | 3.9% | 2.5% |
| Return on equity | 12.9% | 6.6% | 12.4% | 8.9% | 13.5% | 9.0% |
| Return on invested capital | - | 5.7% | 10.6% | 7.4% | 11.6% | 7.5% |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | 0.16 | 0.17 | 0.20 | 0.17 | 0.20 |
| Debt / Assets | - | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |
| Debt / EBITDA | - | 1.79 | 1.04 | 1.66 | 0.96 | 1.70 |
| Interest coverage | 12.0x | 8.9x | 15.9x | 9.7x | 17.3x | 9.8x |
| Equity multiplier | 4.20 | 4.33 | 3.99 | 4.27 | 3.51 | 3.54 |
| Liabilities / Assets | 0.76 | 0.77 | 0.75 | 0.77 | 0.71 | 0.72 |
| Efficiency | ||||||
| Asset turnover | 0.35 | 0.36 | 0.36 | 0.33 | 0.32 | 0.30 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 11.2x | 29.0x | 17.0x | 25.0x | 12.6x | 16.4x |
| P / B | 1.4x | 1.8x | 2.1x | 2.1x | 1.7x | 1.5x |
| P / S | 1.0x | 1.2x | 1.4x | 1.5x | 1.5x | 1.4x |
| EV / EBITDA | 8.3x | 21.7x | 13.6x | 19.3x | 10.3x | 14.1x |
| Growth | ||||||
| Revenue growth (YoY) | 9.8% | 14.9% | 18.9% | 5.3% | 15.6% | 2.7% |
| Revenue CAGR (3y) | 14.5% | 12.9% | 13.1% | 7.7% | 9.3% | 5.8% |
| Revenue CAGR (5y) | 12.8% | 11.3% | 10.4% | 7.6% | 8.1% | 6.5% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 128.5% | -43.7% | 63.6% | -44.6% | 66.8% | -9.9% |
| Net income growth (YoY) | 125.3% | -43.3% | 62.4% | -44.3% | 63.9% | -9.3% |
| EPS growth (YoY) | 131.9% | -44.7% | 65.0% | -45.5% | 58.9% | -9.7% |
| EPS CAGR (3y) | 28.4% | -20.8% | 12.6% | -7.9% | 29.4% | 12.9% |
| EPS CAGR (5y) | 12.9% | -6.5% | 14.3% | 4.5% | 19.2% | 7.5% |
| FCF growth (YoY) | 11.7% | 45.2% | -5.2% | 3.6% | 40.8% | - |
| FCF CAGR (5y) | 17.6% | - | - | - | - | - |
| Book value growth (YoY) | 15.7% | 5.6% | 16.9% | -15.3% | 8.9% | 24.8% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$10.08B totalInsurance Operations$4.77B · 47.3%
Standard Commercial Lines$3.75B · 37.3%
ESLines$606.10M · 6.0%
Investment Segment$539.48M · 5.4%
Standard Personal Lines$408.19M · 4.1%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Fire, Marine & Casualty Insurance
Comparing SELECTIVE INSURANCE GROUP INC against the 5 most active filers in the same SIC group.
Dividends
$1.67/share trailing 12 months · +12.1% YoY
| Ex-date | Per share |
|---|---|
| May 15, 2026 | $0.4300 |
| Feb 13, 2026 | $0.4300 |
| Nov 14, 2025 | $0.4300 |
| Aug 15, 2025 | $0.3800 |
| May 15, 2025 | $0.3800 |
| Feb 14, 2025 | $0.3800 |
| Nov 15, 2024 | $0.3800 |
| Aug 15, 2024 | $0.3500 |
| May 14, 2024 | $0.3500 |
| Feb 14, 2024 | $0.3500 |
| Nov 14, 2023 | $0.3500 |
| Aug 14, 2023 | $0.3000 |
| May 12, 2023 | $0.3000 |
| Feb 14, 2023 | $0.3000 |
| Nov 14, 2022 | $0.3000 |
| Aug 12, 2022 | $0.2800 |
| May 13, 2022 | $0.2800 |
| Feb 14, 2022 | $0.2800 |
| Nov 12, 2021 | $0.2800 |
| Aug 12, 2021 | $0.2500 |
| May 13, 2021 | $0.2500 |
| Feb 11, 2021 | $0.2500 |
| Nov 12, 2020 | $0.2500 |
| Aug 13, 2020 | $0.2300 |