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.

Selective Ins Financials

SIGI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

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).

Financial Health Signals

Financial Profile 52/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Selective Ins's revenue grew 9.8% year-over-year to $5.3B, a solid pace of expansion. This earns a growth score of 50/100.

Leverage

Selective Ins has a moderate D/E ratio of 3.20. This balance of debt and equity financing earns a leverage score of 37/100.

Cash Flow

Selective Ins converts 22.4% of revenue into free cash flow ($1.2B). This strong cash generation earns a score of 81/100.

Returns

Selective Ins's ROE of 12.9% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 6.6% the prior year.

Piotroski F-Score Neutral

6/9

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.

Earnings Quality Cash-Backed

2.64x

For every $1 of reported earnings, Selective Ins generates $2.64 in operating cash flow ($1.2B OCF vs $466.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$5.3B

YoY+9.8%

5Y CAGR+12.8%

10Y CAGR+9.6%

Selective Ins generated $5.3B in revenue in fiscal year 2025. This represents an increase of 9.8% from the prior year.

EBITDA

N/A

Net Income

$466.4M

YoY+125.3%

5Y CAGR+13.6%

10Y CAGR+10.9%

Selective Ins reported $466.4M in net income in fiscal year 2025. This represents an increase of 125.3% from the prior year.

EPS (Diluted)

$7.49

YoY+131.9%

5Y CAGR+12.9%

10Y CAGR+10.1%

Selective Ins earned $7.49 per diluted share (EPS) in fiscal year 2025. This represents an increase of 131.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$1.2B

YoY+11.7%

5Y CAGR+17.6%

Selective Ins generated $1.2B in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 11.7% from the prior year.

Cash & Debt

$18.0M

YoY-71.5%

5Y CAGR+3.3%

10Y CAGR+3.5%

Selective Ins held $18.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

60M

YoY-1.2%

5Y CAGR+0.1%

10Y CAGR+0.4%

Selective Ins had 60M shares outstanding in fiscal year 2025. This represents a decrease of 1.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.7%

YoY+4.5pp

5Y CAGR+0.3pp

10Y CAGR+1.0pp

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.

Return on Equity

12.9%

YoY+6.3pp

5Y CAGR+3.9pp

10Y CAGR+1.1pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$92.6M

YoY+492.8%

5Y CAGR+67.4%

10Y CAGR+36.3%

Selective Ins spent $92.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 492.8% from the prior year.

Capital Expenditures

$38.7M

YoY+25.7%

5Y CAGR+11.9%

Selective Ins invested $38.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 25.7% from the prior year.

SIGI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$5.3B+9.8%	$4.9B+14.9%	$4.2B+18.9%	$3.6B+5.3%	$3.4B+15.6%	$2.9B
Cost of Revenue	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
R&D Expenses	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
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$49.3M+70.8%	$28.9M+0.3%	$28.8M-0.2%	$28.8M-1.1%	$29.2M-5.4%	$30.8M
Income Tax	$123.2M+141.4%	$51.0M-45.2%	$93.2M+68.5%	$55.3M-45.5%	$101.5M+79.2%	$56.6M
Net Income	$466.4M+125.3%	$207.0M-43.3%	$365.2M+62.4%	$224.9M-44.3%	$403.8M+63.9%	$246.4M
EPS (Diluted)	$7.49+131.9%	$3.23-44.7%	$5.84+65.0%	$3.54-45.5%	$6.50+58.9%	$4.09

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)	N/A	$1.85+36.0%	$1.36-22.7%	$1.76	N/A	$1.47+236.1%	$-1.08-182.4%	$1.31

SIGI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$15.2B+12.1%	$13.5B+14.5%	$11.8B+9.3%	$10.8B+3.3%	$10.5B+8.0%	$9.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$18.0M-71.5%	$63.0M+374.9%	$13.3M-47.4%	$25.2M-44.1%	$45.1M+195.9%	$15.2M
Inventory	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
Goodwill	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M0.0%	$7.8M
Total Liabilities	$11.5B+11.1%	$10.4B+17.5%	$8.8B+6.9%	$8.3B+10.6%	$7.5B+7.6%	$6.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$507.9M+0.8%	$503.9M-0.1%	$504.7M-0.3%	$506.1M-8.1%	$550.7M
Total Equity	$3.6B+15.7%	$3.1B+5.6%	$3.0B+16.9%	$2.5B-15.3%	$3.0B+8.9%	$2.7B
Retained Earnings	$3.5B+11.5%	$3.1B+3.6%	$3.0B+10.2%	$2.7B+5.6%	$2.6B+14.6%	$2.3B

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	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.2B+12.1%	$1.1B+44.9%	$758.9M-5.4%	$802.4M+4.0%	$771.4M+39.2%	$554.0M
Capital Expenditures	$38.7M+25.7%	$30.8M+36.1%	$22.6M-13.0%	$26.0M+17.4%	$22.2M+0.4%	$22.1M
Free Cash Flow	$1.2B+11.7%	$1.1B+45.2%	$736.3M-5.2%	$776.4M+3.6%	$749.3M+40.8%	$532.0M
Investing Cash Flow	-$1.5B-56.8%	-$947.4M-38.0%	-$686.4M+6.5%	-$734.4M-18.7%	-$618.8M+10.1%	-$688.2M
Financing Cash Flow	$207.5M+301.9%	-$102.8M-21.6%	-$84.5M+3.8%	-$87.8M+28.5%	-$122.8M-186.9%	$141.4M
Dividends Paid	$92.9M+9.4%	$84.9M+15.0%	$73.8M+10.3%	$66.9M+11.3%	$60.1M+10.4%	$54.5M
Share Buybacks	$92.6M+492.8%	$15.6M+97.0%	$7.9M-56.8%	$18.3M+102.7%	$9.1M+28.3%	$7.1M

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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	8.7%+4.5pp	4.3%-4.4pp	8.6%+2.3pp	6.3%-5.6pp	11.9%+3.5pp	8.4%
Return on Equity	12.9%+6.3pp	6.6%-5.7pp	12.4%+3.5pp	8.9%-4.6pp	13.5%+4.5pp	9.0%
Return on Assets	3.1%+1.6pp	1.5%-1.6pp	3.1%+1.0pp	2.1%-1.8pp	3.9%+1.3pp	2.5%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	3.20+3.0	0.160.0	0.17-0.0	0.20+0.0	0.17-0.0	0.20
FCF Margin	22.4%+0.4pp	22.0%+4.6pp	17.4%-4.4pp	21.8%-0.4pp	22.2%+4.0pp	18.2%

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%+5.1pp	-2.2%-4.9pp	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 $5.3B in total revenue for fiscal year 2025. This represents a 9.8% 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 grew by 9.8% year-over-year, from $4.9B to $5.3B in fiscal year 2025.

Is Selective Ins profitable?

Yes, Selective Ins (SIGI) reported a net income of $466.4M in fiscal year 2025, with a net profit margin of 8.7%.

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.

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 $1.2B in free cash flow during fiscal year 2025. This represents a 11.7% 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 $1.2B 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 $15.2B 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 $38.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Selective Ins buy back shares?

Yes, Selective Ins (SIGI) spent $92.6M 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 3.20 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 52 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.