Selective Ins Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Selective Ins's revenue declined 99.9% year-over-year, from $4.9B to $5.3M. This contraction results in a growth score of 0/100.
Selective Ins carries a low D/E ratio of 0.11, meaning only $0.11 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
Selective Ins converts 22.4% of revenue into free cash flow ($1.2M). This strong cash generation earns a score of 100/100.
Selective Ins's ROE of 12.9% shows moderate profitability relative to equity, earning a score of 52/100. This is up from 6.6% the prior year.
Selective Ins passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Selective Ins generates $2.64 in operating cash flow ($1.2M OCF vs $466K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
This page shows Selective Ins (SIGI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 18 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Selective Ins generated $5.3M in revenue in fiscal year 2025. This represents a decrease of 99.9% from the prior year.
Selective Ins generated $1.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 99.9% from the prior year.
Selective Ins reported $466K in net income in fiscal year 2025. This represents a decrease of 99.8% from the prior year.
Selective Ins earned $7.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 131.9% from the prior year.
Selective Ins held $346 in cash against $396K in long-term debt as of fiscal year 2025.
Selective Ins paid $1.57 per share in dividends in fiscal year 2025.
Selective Ins had 60M shares outstanding in fiscal year 2025. This represents a decrease of 1.2% from the prior year.
Selective Ins's net profit margin was 8.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.5 percentage points from the prior year.
Selective Ins's ROE was 12.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 6.3 percentage points from the prior year.
Selective Ins spent $93K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 99.4% from the prior year.
Selective Ins invested $39K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 99.9% from the prior year.
SIGI Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.4B+0.4% | $1.4B+2.5% | $1.3B+3.2% | $1.3B+2.3% | $1.3B+1.0% | $1.2B+4.0% | $1.2B+2.7% | $1.2B |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $13.2M-0.1% | $13.3M0.0% | $13.3M+38.5% | $9.6M+32.1% | $7.2M-0.1% | $7.3M+0.7% | $7.2M+0.3% | $7.2M |
| Income Tax | $40.9M+34.5% | $30.4M+32.3% | $23.0M-20.8% | $29.0M+23.1% | $23.5M-2.7% | $24.2M+244.3% | -$16.8M-183.7% | $20.0M |
| Net Income | $155.2M+34.6% | $115.3M+34.2% | $85.9M-21.8% | $109.9M+15.0% | $95.5M+3.5% | $92.3M+245.7% | -$63.3M-176.7% | $82.5M |
| EPS (Diluted) | $2.52+36.2% | $1.85+36.0% | $1.36-22.7% | $1.76+15.0% | $1.53+4.1% | $1.47+236.1% | $-1.08-182.4% | $1.31 |
SIGI Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.2B+1.2% | $15.0B+3.5% | $14.5B+1.9% | $14.2B+5.1% | $13.5B+0.3% | $13.5B+7.2% | $12.6B+4.2% | $12.1B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $18.0M-25.7% | $24.2M-36.8% | $38.2M-64.7% | $108.3M+71.8% | $63.0M+397.7% | $12.7M+16.1% | $10.9M-7.9% | $11.8M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M |
| Total Liabilities | $11.5B+0.5% | $11.5B+3.5% | $11.1B+1.5% | $10.9B+5.2% | $10.4B+0.9% | $10.3B+6.9% | $9.6B+6.6% | $9.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | $507.9M-0.1% | $508.2M-0.1% | $508.8M+1.1% | $503.3M |
| Total Equity | $3.6B+3.4% | $3.5B+3.6% | $3.4B+3.4% | $3.3B+4.4% | $3.1B-1.5% | $3.2B+8.4% | $2.9B-2.8% | $3.0B |
| Retained Earnings | $3.5B+3.8% | $3.4B+2.7% | $3.3B+1.9% | $3.2B+2.7% | $3.1B+2.3% | $3.1B+2.3% | $3.0B-2.8% | $3.1B |
SIGI Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $376.3M-7.3% | $405.8M+143.1% | $166.9M-41.2% | $284.0M-14.5% | $332.2M-14.2% | $387.4M+45.6% | $266.1M+133.0% | $114.2M |
| Capital Expenditures | $10.0M+17.4% | $8.5M+17.3% | $7.2M-44.3% | $13.0M+74.1% | $7.5M-20.5% | $9.4M+21.6% | $7.7M+24.7% | $6.2M |
| Free Cash Flow | $366.3M-7.8% | $397.3M+148.8% | $159.7M-41.1% | $271.0M-16.5% | $324.7M-14.1% | $378.0M+46.3% | $258.4M+139.2% | $108.0M |
| Investing Cash Flow | -$327.5M+8.7% | -$358.6M-67.1% | -$214.6M+63.3% | -$584.9M-124.9% | -$260.1M+26.5% | -$354.0M-43.2% | -$247.3M-187.5% | -$86.0M |
| Financing Cash Flow | -$55.0M+10.4% | -$61.3M-173.6% | -$22.4M-106.5% | $346.2M+1692.0% | -$21.7M+31.2% | -$31.6M-59.6% | -$19.8M+33.2% | -$29.6M |
| Dividends Paid | $25.2M+12.1% | $22.5M-1.9% | $22.9M+2.9% | $22.3M-1.4% | $22.6M+8.6% | $20.8M0.0% | $20.8M0.0% | $20.8M |
| Share Buybacks | $30.5M-16.8% | $36.6M+14102.3% | $258K-99.0% | $25.2M+31011.1% | $81K-99.1% | $8.8M+28322.6% | $31K-99.5% | $6.7M |
SIGI Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 11.4%+2.9pp | 8.5%+2.0pp | 6.5%-2.1pp | 8.6%+1.0pp | 7.6%+0.2pp | 7.4%+12.7pp | -5.3%-12.4pp | 7.1% |
| Return on Equity | 4.3%+1.0pp | 3.3%+0.8pp | 2.5%-0.8pp | 3.4%+0.3pp | 3.1%+0.1pp | 2.9% | N/A | 2.7% |
| Return on Assets | 1.0%+0.3pp | 0.8%+0.2pp | 0.6%-0.2pp | 0.8%+0.1pp | 0.7%+0.0pp | 0.7%+1.2pp | -0.5%-1.2pp | 0.7% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.20-0.1 | 3.290.0 | 3.29-0.1 | 3.36+3.2 | 0.160.0 | 0.16-0.0 | 0.170.0 | 0.17 |
| FCF Margin | 26.8%-2.4pp | 29.2%+17.2pp | 12.0%-9.0pp | 21.1%-4.8pp | 25.8%-4.5pp | 30.4%+8.8pp | 21.6%+12.3pp | 9.3% |
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Frequently Asked Questions
What is Selective Ins's annual revenue?
Selective Ins (SIGI) reported $5.3M in total revenue for fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Selective Ins's revenue growing?
Selective Ins (SIGI) revenue declined by 99.9% year-over-year, from $4.9B to $5.3M in fiscal year 2025.
Is Selective Ins profitable?
Yes, Selective Ins (SIGI) reported a net income of $466K in fiscal year 2025, with a net profit margin of 8.7%.
What is Selective Ins's earnings per share (EPS)?
Selective Ins (SIGI) reported diluted earnings per share of $7.49 for fiscal year 2025. This represents a 131.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does Selective Ins have?
As of fiscal year 2025, Selective Ins (SIGI) had $346 in cash and equivalents against $396K in long-term debt.
What is Selective Ins's net profit margin?
Selective Ins (SIGI) had a net profit margin of 8.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Selective Ins pay dividends?
Yes, Selective Ins (SIGI) paid $1.57 per share in dividends during fiscal year 2025.
What is Selective Ins's return on equity (ROE)?
Selective Ins (SIGI) has a return on equity of 12.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Selective Ins's free cash flow?
Selective Ins (SIGI) generated $1.2M in free cash flow during fiscal year 2025. This represents a -99.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Selective Ins's operating cash flow?
Selective Ins (SIGI) generated $1.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Selective Ins's total assets?
Selective Ins (SIGI) had $15.2M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Selective Ins's capital expenditures?
Selective Ins (SIGI) invested $39K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Selective Ins buy back shares?
Yes, Selective Ins (SIGI) spent $93K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Selective Ins have outstanding?
Selective Ins (SIGI) had 60M shares outstanding as of fiscal year 2025.
What is Selective Ins's debt-to-equity ratio?
Selective Ins (SIGI) had a debt-to-equity ratio of 0.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Selective Ins's return on assets (ROA)?
Selective Ins (SIGI) had a return on assets of 3.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Selective Ins's Piotroski F-Score?
Selective Ins (SIGI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Selective Ins's earnings high quality?
Selective Ins (SIGI) has an earnings quality ratio of 2.64x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Selective Ins?
Selective Ins (SIGI) scores 63 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.