Selective Insurance Group (SIGIP) Financials
Newest figures come from the 10-Q for Q3 FY2026, filed Oct 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SIGIP SEC filings page.
Selective Insurance Group, Inc. (SIGIP) reported $5.4B in revenue over the twelve months to Sep 30, 2026, up 4.0% from the prior twelve months. 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).
The insurer converts accounting earnings into cash, while liability-funded growth and low capital spending shape its economics.
Cash generation was steadier than earnings: net income rebounded125.3% in FY2025, but operating cash flow rose only12.1% . Operating cash flow still equaled264.4% of net income, while free-cash-flow margin was22.4% versus a8.7% net margin, indicating that reported earnings alone understate the cash produced by the business.
Cash generation outpaced scale from FY2023 to FY2025: free cash flow increased
The balance sheet remains liability-led: liabilities were
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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 Insurance Group, Inc.'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.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Selective Insurance Group, Inc. scores 40/100 on it among other insurers.
Selective Insurance Group, Inc. reported revenue of $5.3B in fiscal year 2025, against $4.9B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Selective Insurance Group, Inc. scores 57/100 among other insurers.
Selective Insurance Group, Inc. funded 23.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $3.6B of equity against $15.2B of assets. Capital ranks insurers on that cushion, and Selective Insurance Group, Inc. scores 50/100 among other insurers.
Not available for Selective Insurance Group, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Selective Insurance Group, Inc. scores 45/100 on it among other insurers.
Selective Insurance Group, Inc. reported net income of $466.4M in fiscal year 2025, against $207.0M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Selective Insurance Group, Inc. scores 80/100 among other insurers.
Selective Insurance Group, Inc. 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, the one computable operating efficiency signal (asset turnover improving) does not pass.
Key Financial Metrics
Earnings & Revenue
Selective Insurance Group, Inc. generated $1.3B in revenue in Q3 2026. This represents a decrease of 2.5% from the same quarter a year earlier. Against the prior quarter it is down 4.4%.
Selective Insurance Group, Inc. reported $128.7M in net income in Q3 2026. This represents an increase of 11.5% from the same quarter a year earlier. Against the prior quarter it is down 0.6%.
Selective Insurance Group, Inc. earned $2.11 per diluted share (EPS) in Q3 2026. This represents an increase of 14.1% from the same quarter a year earlier. It is unchanged from the prior quarter.
Not reported for Q3 2026.
Cash & Balance Sheet
Selective Insurance Group, Inc. generated $347.0M in free cash flow in Q3 2026, representing cash available after capex. This represents a decrease of 12.7% from the same quarter a year earlier. Against the prior quarter it is up 61.5%.
Selective Insurance Group, Inc. held $15.4M in cash as of Q3 2026; no long-term debt figure is on record for that period.
Selective Insurance Group, Inc. paid $0.43 per share in dividends in Q3 2026. This represents an increase of 13.2% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Selective Insurance Group, Inc.'s net profit margin was 9.7% in Q3 2026, showing the share of revenue converted to profit. This is up 1.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
Selective Insurance Group, Inc.'s quarterly ROE was 3.7% in Q3 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q3 2026.
Not reported for Q3 2026.
Capital Allocation
Selective Insurance Group, Inc. spent $55.6M on share buybacks in Q3 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 51.7% from the same quarter a year earlier. Against the prior quarter it is up 71.7%.
Selective Insurance Group, Inc. invested $20.3M in capex in Q3 2026, funding long-term assets and infrastructure. This represents an increase of 138.4% from the same quarter a year earlier. Against the prior quarter it is up 43.7%.
Not reported for Q3 2026.
SIGIP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B-2.5% | $1.4B+4.5% | $1.4B+5.7% | $1.4B+8.6% | $1.4B+9.3% | $1.3B+10.9% | $1.3B+10.3% | $1.3B+13.1% |
| Interest Expense | $13.2M-0.3% | $13.2M-0.3% | $13.2M+38.1% | $13.2M+82.7% | $13.3M+82.8% | $13.3M+84.1% | $9.6M+33.3% | $7.2M+0.8% |
| Income Tax | $33.4M+10.1% | $33.5M+45.7% | $26.5M-8.5% | $40.9M+73.6% | $30.4M+25.5% | $23.0Mn/m | $29.0M+44.6% | $23.5M-26.7% |
| Net Income | $128.7M+11.5% | $129.4M+50.5% | $97.7M-11.1% | $155.2M+62.5% | $115.3M+25.0% | $85.9Mn/m | $109.9M+33.2% | $95.5M-23.5% |
| EPS (Basic) | $2.13+13.9% | $2.13+55.5% | $1.59-10.2% | $2.53+65.4% | $1.87+26.4% | $1.37n/m | $1.77+34.1% | $1.53-24.3% |
| EPS (Diluted) | $2.11+14.1% | $2.11+55.1% | $1.58-10.2% | $2.52+65.8% | $1.85+25.9% | $1.36n/m | $1.76+34.4% | $1.52-24.4% |
| Diluted Shares (Avg) | 60M-1.9% | 60M-1.8% | 60M-1.3% | N/A | 61M-0.4% | 61M+0.6% | 61M+0.1% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
SIGIP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $15.7B+4.9% | $15.6B+7.9% | $15.3B+7.9% | $15.2B+12.1% | $15.0B+11.2% | $14.5B+15.1% | $14.2B+17.8% | $13.5B+14.5% |
| Cash & Equivalents | $15.4M-36.4% | $10.9M-71.4% | $10.9M-89.9% | $18.0M-71.5% | $24.2M+90.7% | $38.2M+250.5% | $108.3M+814.3% | $63.0M+374.9% |
| Short-Term Investments | $391.7M-33.4% | $378.9M-28.7% | $451.8M-28.4% | $648.5M+27.3% | $587.9M+4.8% | $531.4M+27.3% | $631.1M+154.6% | $509.3M+64.7% |
| 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% |
| Total Liabilities | $12.3B+6.7% | $12.0B+7.7% | $11.7B+7.3% | $11.5B+11.1% | $11.5B+11.5% | $11.1B+15.1% | $10.9B+20.9% | $10.4B+17.5% |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $507.9M+0.8% |
| Total Equity | $3.4B-1.3% | $3.7B+8.7% | $3.6B+10.1% | $3.6B+15.7% | $3.5B+10.2% | $3.4B+15.3% | $3.3B+8.4% | $3.1B+5.6% |
| Retained Earnings | $3.8B+11.8% | $3.7B+11.8% | $3.6B+10.8% | $3.5B+11.5% | $3.4B+9.9% | $3.3B+9.4% | $3.2B+4.4% | $3.1B+3.6% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.
SIGIP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $367.2M-9.5% | $229.0M+37.2% | $221.4M-22.0% | $376.3M+13.3% | $405.8M+4.8% | $166.9M-37.3% | $284.0M+148.7% | $332.2M+40.4% |
| Depreciation & Amortization | $8.1M+1.8% | $7.8M+18.4% | $9.6M+5.3% | $9.0M+18.4% | $8.0M-4.1% | $6.6M-32.8% | $9.1M+0.5% | $7.6M+14.6% |
| Stock-Based Compensation | N/A | N/A | $13.1M+2.3% | N/A | N/A | N/A | $12.8M+26.8% | N/A |
| Capital Expenditures | $20.3M+138.4% | $14.1M+94.6% | $10.9M-16.0% | $10.0M+33.5% | $8.5M-9.6% | $7.2M-6.3% | $13.0M+109.9% | $7.5M-5.0% |
| Free Cash Flow | $347.0M-12.7% | $214.9M+34.6% | $210.5M-22.3% | $366.3M+12.8% | $397.3M+5.1% | $159.7M-38.2% | $271.0M+150.9% | $324.7M+42.0% |
| Investing Cash Flow | -$280.0Mn/m | -$172.1Mn/m | -$166.1Mn/m | -$327.5Mn/m | -$358.6Mn/m | -$214.6Mn/m | -$584.9Mn/m | -$260.1Mn/m |
| Financing Cash Flow | -$82.8Mn/m | -$56.8Mn/m | -$62.4M-118.0% | -$55.0Mn/m | -$61.3Mn/m | -$22.4Mn/m | $346.2Mn/m | -$21.7Mn/m |
| Dividends Paid | $24.8M+10.5% | $25.0M+9.1% | $24.8M+11.6% | $25.2M+11.7% | $22.5M+8.2% | $22.9M+10.3% | $22.3M+7.1% | $22.6M+9.0% |
| Share Buybacks | $55.6M+51.7% | $32.4M+12449.6% | $35.0M+39.0% | $30.5M+37548.1% | $36.6M+315.9% | $258K+732.3% | $25.2M+276.3% | $81K-35.7% |
SIGIP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 9.7%+1.2pp | 9.3%+2.8pp | 7.2%-1.4pp | 11.4%+3.8pp | 8.5%+1.1pp | 6.5%+11.8pp | 8.6%+1.5pp | 7.6%-3.6pp |
| Return on Equity | 3.7%+0.4pp | 3.5%+1.0pp | 2.7%-0.7pp | 4.3%+1.2pp | 3.3%+0.4pp | 2.5%+4.7pp | 3.4%+0.6pp | 3.1%-1.2pp |
| Return on Assets | 0.8%+0.1pp | 0.8%+0.2pp | 0.6%-0.1pp | 1.0%+0.3pp | 0.8%+0.1pp | 0.6%+1.1pp | 0.8%+0.1pp | 0.7%-0.3pp |
| Debt-to-Equity | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.160.0x |
| Liabilities-to-Equity | 3.56+0.3x | 3.260.0x | 3.27-0.1x | 3.20-0.1x | 3.290.0x | 3.290.0x | 3.36+0.3x | 3.33+0.3x |
| Asset Turnover | 0.080.0x | 0.090.0x | 0.090.0x | 0.090.0x | 0.090.0x | 0.090.0x | 0.090.0x | 0.090.0x |
| FCF Margin | 26.2%-3.1pp | 15.5%+3.5pp | 15.5%-5.6pp | 26.8%+1.0pp | 29.2%-1.2pp | 12.0%-9.6pp | 21.1%+11.8pp | 25.8%+5.3pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Selective Insurance Group, Inc. SIGIP | FY2025 | $5.3B | $466.4M | 8.7% | N/A | 54/100 |
| United Fire Group Inc. UFCS | FY2025 | $1.4B | $118.2M | 8.5% | $1.2B | 52/100 |
| Cincinnati Financial Corp CINF | FY2025 | $12.6B | $2.4B | 18.9% | $28.5B | 61/100 |
| W.R. Berkley Corporation WRB | FY2025 | $14.7B | $1.8B | 12.1% | $27.9B | 64/100 |
| Kinsale Capital Group, Inc. KNSL | FY2025 | $1.9B | $503.6M | 26.9% | $8.6B | 72/100 |
| Palomar Holdings, Inc. PLMR | FY2025 | $876.0M | $197.1M | 22.5% | $4.1B | 81/100 |
Where Selective Insurance Group, Inc. Ranks
Frequently Asked Questions
Selective Insurance Group, Inc. (SIGIP) 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.
Selective Insurance Group, Inc. (SIGIP) revenue grew by 9.8% year-over-year, from $4.9B to $5.3B in fiscal year 2025.
Yes, Selective Insurance Group, Inc. (SIGIP) reported a net income of $510.9M over the trailing 12 months to September 30, 2026. In fiscal year 2025 it reported a net income of $466.4M, with a net profit margin of 8.7%.
Selective Insurance Group, Inc. (SIGIP) had a net profit margin of 8.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, Selective Insurance Group, Inc. (SIGIP) paid $1.57 per share in dividends during fiscal year 2025.
Selective Insurance Group, Inc. (SIGIP) has a return on equity of 12.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
Selective Insurance Group, Inc. (SIGIP) 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.
Selective Insurance Group, Inc. (SIGIP) generated $1.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
Selective Insurance Group, Inc. (SIGIP) had $15.2B in total assets as of fiscal year 2025, including both current and long-term assets.
Selective Insurance Group, Inc. (SIGIP) invested $38.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Selective Insurance Group, Inc. (SIGIP) had a liabilities-to-equity ratio of 3.20 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
Selective Insurance Group, Inc. (SIGIP) had a return on assets of 3.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
Selective Insurance Group, Inc. (SIGIP) 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.
Selective Insurance Group, Inc. (SIGIP) scores 54 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is the average 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. For Selective Insurance Group, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.