Selective Ins Gr Financials
This page shows Selective Ins Gr (SIGIP) 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).
Cash generation is steadier than reported earnings, revealing a balance-sheet-funded model with minimal physical reinvestment needs.
From FY2023 through FY2025, operating cash flow rose from$759M to$1.23B while staying positive each year. Over the same span, net margin fell to4.3% in FY2024 before rebounding to8.7% , showing that accounting profit is more volatile than the underlying cash engine.
Capital intensity is unusually light: capital spending was only
The balance sheet expanded through obligations faster than through equity; liabilities reached
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Selective Ins Gr'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.
Selective Ins Gr's revenue grew 9.8% year-over-year to $5.3B, a solid pace of expansion. This earns a growth score of 54/100.
Selective Ins Gr has a moderate D/E ratio of 3.20. This balance of debt and equity financing earns a leverage score of 37/100.
Selective Ins Gr converts 22.4% of revenue into free cash flow ($1.2B). This strong cash generation earns a score of 78/100.
Selective Ins Gr's ROE of 12.9% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 6.6% the prior year.
Selective Ins Gr 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 Gr 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 Gr generated $5.3B in revenue in fiscal year 2025. This represents an increase of 9.8% from the prior year.
Selective Ins Gr reported $466.4M in net income in fiscal year 2025. This represents an increase of 125.3% from the prior year.
Selective Ins Gr 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
Selective Ins Gr 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 Gr held $18.0M in cash against $0 in long-term debt as of fiscal year 2025.
Selective Ins Gr had 60M shares outstanding in fiscal year 2025. This represents a decrease of 1.2% from the prior year.
Margins & Returns
Selective Ins Gr'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 Gr'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
Selective Ins Gr 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 Gr 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.
SIGIP 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) | N/A | $1.85+36.0% | $1.36-22.7% | $1.76 | N/A | $1.47+236.1% | $-1.08-182.4% | $1.31 |
SIGIP 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 |
SIGIP 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 |
SIGIP 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%+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 Gr's annual revenue?
Selective Ins Gr (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.
How fast is Selective Ins Gr's revenue growing?
Selective Ins Gr (SIGIP) revenue grew by 9.8% year-over-year, from $4.9B to $5.3B in fiscal year 2025.
Is Selective Ins Gr profitable?
Yes, Selective Ins Gr (SIGIP) reported a net income of $466.4M in fiscal year 2025, with a net profit margin of 8.7%.
What is Selective Ins Gr's net profit margin?
Selective Ins Gr (SIGIP) 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 Gr's return on equity (ROE)?
Selective Ins Gr (SIGIP) 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 Gr's free cash flow?
Selective Ins Gr (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.
What is Selective Ins Gr's operating cash flow?
Selective Ins Gr (SIGIP) generated $1.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Selective Ins Gr's total assets?
Selective Ins Gr (SIGIP) had $15.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Selective Ins Gr's capital expenditures?
Selective Ins Gr (SIGIP) invested $38.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Selective Ins Gr's debt-to-equity ratio?
Selective Ins Gr (SIGIP) 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 Gr's return on assets (ROA)?
Selective Ins Gr (SIGIP) 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 Gr's Piotroski F-Score?
Selective Ins Gr (SIGIP) 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Selective Ins Gr's earnings high quality?
Selective Ins Gr (SIGIP) 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 Gr?
Selective Ins Gr (SIGIP) scores 34 out of 100 on our Financial Profile, indicating weak 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.