Selective Ins Financials
Selective Ins (SIGI) reported $5.3B in revenue for fiscal year 2025, up 9.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Strong cash conversion and minimal capital spending make reported earnings swings less important than the business's underlying cash engine.
In FY2025, operating cash flow of$1.23B was far above net income of$466M . Because capex was only$39M , that accounting-to-cash gap translated almost directly into free cash flow instead of being absorbed by reinvestment just to maintain operations.
The balance sheet is liability-heavy, with liabilities about 3.2x equity in FY2025. That structure magnifies changes in return on assets: a move to
Reported cash was only
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Selective Ins's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Selective Ins, and counted as zero in the overall score.
Selective Ins passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Selective Ins generates $2.64 in operating cash flow ($1.2B OCF vs $466.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Selective Ins generated $5.3B in revenue in fiscal year 2025. This represents an increase of 9.8% from the prior year.
Selective Ins reported $466.4M in net income in fiscal year 2025. This represents an increase of 125.3% 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.
Not reported for fiscal year 2025.
Cash & Balance Sheet
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.
Selective Ins held $18.0M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
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.
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.
Not reported for fiscal year 2025.
SIGI Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $5.5B | $5.3B+9.8% | $4.9B+14.9% | $4.2B+18.9% | $3.6B+5.3% | $3.4B+15.6% | $2.9B+2.7% | $2.8B+10.1% | $2.6B+4.7% | $2.5B+8.1% | $2.3B+7.1% | $2.1B+4.8% | $2.0B+6.9% | $1.9B+9.8% | $1.7B+8.6% | $1.6B |
| Interest Expense | $52.9M | $49.3M+70.8% | $28.9M+0.3% | $28.8M-0.2% | $28.8M-1.1% | $29.2M-5.4% | $30.8M-8.4% | $33.7M+37.9% | $24.4M+0.3% | $24.4M+7.0% | $22.8M+1.5% | $22.4M-2.8% | $23.1M-12.5% | $26.4M+39.7% | $18.9M+3.4% | $18.3M |
| Income Tax | $131.2M | $123.2M+141.4% | $51.0M-45.2% | $93.2M+68.5% | $55.3M-45.5% | $101.5M+79.2% | $56.6M-12.6% | $64.8M+97.6% | $32.8M-64.8% | $93.1M+51.5% | $61.5M-8.0% | $66.8M+20.8% | $55.3M+52.0% | $36.4M+11193.6% | -$328K+97.1% | -$11.3M |
| Net Income | $497.6M | $466.4M+125.3% | $207.0M-43.3% | $365.2M+62.4% | $224.9M-44.3% | $403.8M+63.9% | $246.4M-9.3% | $271.6M+51.8% | $178.9M+6.0% | $168.8M+6.5% | $158.5M-4.4% | $165.9M+16.9% | $141.8M+33.3% | $106.4M+180.3% | $38.0M+72.3% | $22.0M |
| EPS (Diluted) | — | $7.49+131.9% | $3.23-44.7% | $5.84+65.0% | $3.54-45.5% | $6.50+58.9% | $4.09-9.7% | $4.53+51.0% | $3.00+5.6% | $2.84+5.2% | $2.70-5.3% | $2.85+15.4% | $2.47+32.1% | $1.87+175.0% | $0.68+70.0% | $0.40 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
SIGI Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.2B+12.1% | $13.5B+14.5% | $11.8B+9.3% | $10.8B+3.3% | $10.5B+8.0% | $9.7B+10.1% | $8.8B+10.6% | $8.0B+3.5% | $7.7B+4.5% | $7.4B+6.5% | $6.9B+5.0% | $6.6B+4.9% | $6.3B-7.7% | $6.8B+19.5% | $5.7B |
| Cash & Equivalents | $18.0M-71.5% | $63.0M+374.9% | $13.3M-47.4% | $25.2M-44.1% | $45.1M+195.9% | $15.2M+91.0% | $8.0M-52.9% | $16.9M-62.2% | $44.7M+19.5% | $37.4M+193.3% | $12.8M-46.8% | $24.0M+12314.0% | $193K-8.1% | $210K-72.4% | $762K |
| Goodwill | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $7.8M0.0% | $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+11.1% | $10.4B+17.5% | $8.8B+6.9% | $8.3B+10.6% | $7.5B+7.6% | $6.9B+5.3% | $6.6B+7.2% | $6.2B+3.1% | $6.0B+2.6% | $5.8B+5.8% | $5.5B+3.9% | $5.3B+3.6% | $5.1B-10.3% | $5.7B+23.3% | $4.6B |
| Long-Term Debt | N/A | $507.9M+0.8% | $503.9M-0.1% | $504.7M-0.3% | $506.1M-8.1% | $550.7M0.0% | $550.6M+25.3% | $439.5M+0.1% | $439.1M+0.1% | $438.7M+33.7% | $328.2M-11.9% | $372.7M-5.0% | $392.4M+27.7% | $307.4M0.0% | $307.4M |
| Total Equity | $3.6B+15.7% | $3.1B+5.6% | $3.0B+16.9% | $2.5B-15.3% | $3.0B+8.9% | $2.7B+24.8% | $2.2B+22.5% | $1.8B+4.6% | $1.7B+11.9% | $1.5B+9.5% | $1.4B+9.6% | $1.3B+10.5% | $1.2B+5.8% | $1.1B+3.0% | $1.1B |
| Retained Earnings | $3.5B+11.5% | $3.1B+3.6% | $3.0B+10.2% | $2.7B+5.6% | $2.6B+14.6% | $2.3B+9.2% | $2.1B+12.0% | $1.9B+9.4% | $1.7B+8.3% | $1.6B+8.5% | $1.4B+10.1% | $1.3B+9.3% | $1.2B+6.8% | $1.1B+0.8% | $1.1B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
SIGI Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.2B | $1.2B+12.1% | $1.1B+44.9% | $758.9M-5.4% | $802.4M+4.0% | $771.4M+39.2% | $554.0M+16.0% | $477.5M+5.0% | $454.9M+19.9% | $379.5M+15.2% | $329.5M-13.6% | $381.6M+63.9% | $232.8M-30.8% | $336.1M+48.3% | $226.7M+84.4% | $123.0M |
| Capital Expenditures | $43.5M | $38.7M+25.7% | $30.8M+36.1% | $22.6M-13.0% | $26.0M+17.4% | $22.2M+0.4% | $22.1M-28.8% | $31.0M+92.3% | $16.1M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | $1.2B | $1.2B+11.7% | $1.1B+45.2% | $736.3M-5.2% | $776.4M+3.6% | $749.3M+40.8% | $532.0M+19.1% | $446.5M+1.7% | $438.8M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$1.0B | -$1.5B-56.8% | -$947.4M-38.0% | -$686.4M+6.5% | -$734.4M-18.7% | -$618.8M+10.1% | -$688.2M-26.6% | -$543.6M-24.8% | -$435.7M-31.0% | -$332.7M | N/A | N/A | N/A | N/A | -$202.7M-41.3% | -$143.5M |
| Financing Cash Flow | -$235.5M | $207.5M+301.9% | -$102.8M-21.6% | -$84.5M+3.8% | -$87.8M+28.5% | -$122.8M-186.9% | $141.4M+147.2% | $57.2M+221.5% | -$47.0M-18.9% | -$39.6M | N/A | N/A | N/A | N/A | -$24.5M-218.7% | $20.7M |
| Dividends Paid | $97.6M | $92.9M+9.4% | $84.9M+15.0% | $73.8M+10.3% | $66.9M+11.3% | $60.1M+10.4% | $54.5M+14.3% | $47.7M+13.3% | $42.1M+13.6% | $37.0M+9.7% | $33.8M+8.7% | $31.1M+9.2% | $28.4M+3.7% | $27.4M+1.8% | $26.9M+1.6% | $26.5M |
| Share Buybacks | $134.5M | $92.6M+492.8% | $15.6M+97.0% | $7.9M-56.8% | $18.3M+102.7% | $9.1M+28.3% | $7.1M-13.6% | $8.2M+24.5% | $6.6M+9.0% | $6.0M+20.5% | $5.0M+19.4% | $4.2M+17.4% | $3.6M-4.1% | $3.7M+6.3% | $3.5M+27.5% | $2.7M |
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
SIGI Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.7%+4.5pp | 4.3%-4.4pp | 8.6%+2.3pp | 6.3%-5.6pp | 11.9%+3.5pp | 8.4%-1.1pp | 9.5%+2.6pp | 6.9%+0.1pp | 6.8%-0.1pp | 6.9%-0.8pp | 7.8%+0.8pp | 7.0%+1.4pp | 5.6%+3.4pp | 2.2%+0.8pp | 1.4% |
| 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%-3.4pp | 12.4%+2.4pp | 10.0%+0.1pp | 9.9%-0.5pp | 10.3%-1.5pp | 11.9%+0.7pp | 11.1%+1.9pp | 9.2%+5.7pp | 3.5%+1.4pp | 2.1% |
| 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%-0.6pp | 3.1%+0.8pp | 2.3%+0.1pp | 2.2%+0.1pp | 2.1%-0.3pp | 2.4%+0.2pp | 2.2%+0.5pp | 1.7%+1.1pp | 0.6%+0.2pp | 0.4% |
| Debt-to-Equity | 3.20+3.0x | 0.160.0x | 0.170.0x | 0.200.0x | 0.170.0x | 0.200.0x | 0.250.0x | 0.250.0x | 0.260.0x | 0.29+0.1x | 0.23-0.1x | 0.290.0x | 0.34+0.1x | 0.280.0x | 0.29 |
| FCF Margin | 22.4%+0.4pp | 22.0%+4.6pp | 17.4%-4.4pp | 21.8%-0.4pp | 22.2%+4.0pp | 18.2%+2.5pp | 15.7%-1.3pp | 17.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Selective Ins Ranks
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.
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 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 42 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.