What is Selective Insurance Group, Inc.'s earnings per share (EPS)?

Selective Insurance Group, Inc. (SIGIP) 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 Insurance Group, Inc. (SIGIP) Financials

SIGIP

Trailing 12 months to June 30, 2026

Revenue $5.5B +7.0% YoY

Net Income $497.6M +29.7% YoY

EPS (Diluted) $8.06 +31.9% YoY

Free Cash Flow $1.2B +4.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 24, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 24, 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 $5.5B in revenue over the twelve months to Jun 30, 2026, up 7.0% 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).

Rhea AI SIGIP FY2025 2026-08-29

The dominant mechanic is cash generation running ahead of accounting profit while FY2025 profitability rebounds and reported leverage shifts sharply.

In FY2025, operating cash flow of $1.2B was 2.6x net income of $466M, so cash conversion materially exceeded accounting profit. Free-cash-flow conversion was 96.8%, indicating that reinvestment absorbed little of the cash produced during the year.

FY2025 revenue growth of 9.8% arrived with net margin at 8.7%, so the year combined expansion with better earnings conversion rather than relying on sales alone. ROA and ROE both recovered to 3.1% and 12.9%, respectively, indicating that the improvement reached returns on both assets and shareholders’ capital.

The reported debt-to-equity measure rose to 3.2x in FY2025 from 0.2x in FY2024, making leverage the sharpest balance-sheet change in the data. Total assets also expanded to $15.2B while total liabilities reached $11.5B, so the earnings rebound occurred alongside a substantially larger balance-sheet structure.

Financial Health Signals

Financial Health Score 43/100

Scored as: Insurers peer group

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 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

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 38/100 on it among other insurers.

Premium Growth

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 56/100 among other insurers.

Capital

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 47/100 among other insurers.

Investment Yield

Not available for Selective Insurance Group, Inc., and counted as zero in the overall score.

Combined Ratio

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 43/100 on it among other insurers.

Stability

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 76/100 among other insurers.

Piotroski F-Score Partial

5/6

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, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.64x

For every $1 of reported earnings, Selective Insurance Group, Inc. 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

$1.4B

YoY+4.5%

QoQ+2.1%

5Y CAGR+10.5%

10Y CAGR+9.3%

Selective Insurance Group, Inc. generated $1.4B in revenue in Q2 2026. This represents an increase of 4.5% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

Net Income

$129.4M

YoY+50.5%

QoQ+32.5%

5Y CAGR+1.2%

10Y CAGR+11.5%

Selective Insurance Group, Inc. reported $129.4M in net income in Q2 2026. This represents an increase of 50.5% from the same quarter a year earlier. Against the prior quarter it is up 32.5%.

EPS (Diluted)

$2.11

YoY+55.1%

QoQ+33.5%

5Y CAGR+1.3%

10Y CAGR+11.0%

Selective Insurance Group, Inc. earned $2.11 per diluted share (EPS) in Q2 2026. This represents an increase of 55.1% from the same quarter a year earlier. Against the prior quarter it is up 33.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$214.9M

YoY+34.6%

QoQ+2.1%

5Y CAGR+6.4%

Selective Insurance Group, Inc. generated $214.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 34.6% from the same quarter a year earlier. Against the prior quarter it is up 2.1%.

Cash & Debt

$10.9M

YoY-71.4%

QoQ+0.3%

5Y CAGR+3.4%

10Y CAGR+21.7%

Selective Insurance Group, Inc. held $10.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.43

YoY+13.2%

QoQ0.0%

5Y CAGR+11.5%

10Y CAGR+11.1%

Selective Insurance Group, Inc. paid $0.43 per share in dividends in Q2 2026. This represents an increase of 13.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

60M

YoY-2.1%

QoQ-0.5%

5Y CAGR-0.2%

10Y CAGR+0.3%

Selective Insurance Group, Inc. had 60M shares outstanding in Q2 2026. This represents a decrease of 2.1% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Margins & Returns

Net Margin

9.3%

YoY+2.8pp

QoQ+2.1pp

5Y change-5.2pp

10Y change+1.7pp

Selective Insurance Group, Inc.'s net profit margin was 9.3% in Q2 2026, showing the share of revenue converted to profit. This is up 2.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.1 percentage points.

Return on Equity

3.5%

YoY+1.0pp

QoQ+0.8pp

5Y change-0.7pp

10Y change+0.7pp

Selective Insurance Group, Inc.'s ROE was 3.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$32.4M

YoY+12449.6%

QoQ-7.6%

5Y CAGR+240.3%

10Y CAGR+49.7%

Selective Insurance Group, Inc. spent $32.4M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 12449.6% from the same quarter a year earlier. Against the prior quarter it is down 7.6%.

Capital Expenditures

$14.1M

YoY+94.6%

QoQ+29.0%

5Y CAGR+23.4%

Selective Insurance Group, Inc. invested $14.1M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 94.6% from the same quarter a year earlier. Against the prior quarter it is up 29.0%.

R&D Spending

Not reported for Q2 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.

SIGIP quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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 (Basic)	N/A	$7.54+132.0%	$3.25-44.6%	$5.87+64.4%	$3.57-45.5%	$6.55+59.0%	$4.12-9.8%	$4.57+50.3%	$3.04+5.2%	$2.89+5.5%	$2.74-5.5%	$2.90+15.1%	$2.52+31.9%	$1.91+176.8%	$0.69+68.3%	$0.41
EPS (Diluted)	$8.06	$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
Diluted Shares (Avg)	N/A	61M-0.4%	61M+0.5%	61M+0.2%	61M+0.3%	61M+0.6%	60M+0.5%	60M+0.5%	60M+0.6%	59M+1.0%	59M+1.0%	58M+1.4%	57M+1.0%	57M+1.6%	56M+1.3%	55M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$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%	$1.2B+15.1%
Interest Expense	$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%	$7.3M+0.9%
Income Tax	$33.5M+45.7%	$26.5M-8.5%	$40.9M+73.6%	$30.4M+25.5%	$23.0M+236.8%	$29.0M+44.6%	$23.5M-26.7%	$24.2M+3.9%
Net Income	$129.4M+50.5%	$97.7M-11.1%	$155.2M+62.5%	$115.3M+25.0%	$85.9M+235.7%	$109.9M+33.2%	$95.5M-23.5%	$92.3M+3.4%
EPS (Basic)	$2.13+55.5%	$1.59-10.2%	$2.53+65.4%	$1.87+26.4%	$1.37+226.9%	$1.77+34.1%	$1.53-24.3%	$1.48+3.5%
EPS (Diluted)	$2.11+55.1%	$1.58-10.2%	$2.52+65.8%	$1.85+25.9%	$1.36+225.9%	$1.76+34.4%	$1.52-24.4%	$1.47+3.5%
Diluted Shares (Avg)	60M-1.8%	60M-1.3%	N/A	61M-0.4%	61M+0.6%	61M+0.1%	N/A	61M+0.5%

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

SIGIP quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$648.5M+27.3%	$509.3M+64.7%	$309.3M-29.8%	$440.5M-1.7%	$447.9M+9.3%	$409.9M+45.1%	$282.5M-12.8%	$323.9M+95.6%	$165.6M-25.3%	$221.7M+13.8%	$194.8M+47.6%	$132.0M-24.3%	$174.3M-18.8%	$214.5M-1.2%	$217.0M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$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%	$13.5B+17.9%
Cash & Equivalents	$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%	$12.7M-5.1%
Short-Term Investments	$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%	$561.0M+78.1%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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	$12.0B+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%	$10.3B+17.3%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	$507.9M+0.8%	$508.2M+0.7%
Total Equity	$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%	$3.2B+19.8%
Retained Earnings	$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%	$3.1B+4.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

SIGIP Cash Flow Statement

SIGIP quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$32.7M-6.1%	$34.8M+15.8%	$30.0M-29.0%	$42.3M-23.2%	$55.1M-7.1%	$59.4M+7.5%	$55.2M+23.0%	$44.9M-13.9%	$52.1M-15.5%	$61.7M+3.3%	$59.7M+31.6%	$45.3M+4.3%	$43.5M+12.3%	$38.7M+11.7%	$34.6M
Stock-Based Compensation	N/A	$23.1M+1.5%	$22.8M+24.1%	$18.3M-0.4%	$18.4M+16.0%	$15.9M-2.1%	$16.2M-14.9%	$19.1M+31.5%	$14.5M+20.0%	$12.1M+15.7%	$10.4M+16.4%	$9.0M+3.1%	$8.7M+0.8%	$8.6M+24.4%	$6.9M-6.5%	$7.4M
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$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%	$387.4M+69.4%
Depreciation & Amortization	$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%	$8.3M+32.9%
Stock-Based Compensation	N/A	$13.1M+2.3%	N/A	N/A	N/A	$12.8M+26.8%	N/A	N/A
Capital Expenditures	$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%	$9.4M+80.4%
Free Cash Flow	$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%	$378.0M+69.2%
Investing Cash Flow	-$172.1M+19.8%	-$166.1M+71.6%	-$327.5M-25.9%	-$358.6M-1.3%	-$214.6M+13.2%	-$584.9M-580.1%	-$260.1M-20.2%	-$354.0M-63.5%
Financing Cash Flow	-$56.8M-153.5%	-$62.4M-118.0%	-$55.0M-152.7%	-$61.3M-94.1%	-$22.4M-13.3%	$346.2M+1268.5%	-$21.7M-6.9%	-$31.6M-57.1%
Dividends Paid	$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%	$20.8M+17.2%
Share Buybacks	$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%	$8.8M+2917.5%

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.

SIGIP quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Asset Turnover	0.350.0x	0.360.0x	0.360.0x	0.330.0x	0.320.0x	0.300.0x	0.320.0x	0.330.0x	0.320.0x	0.310.0x	0.310.0x	0.310.0x	0.300.0x	0.260.0x	0.28
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	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	7.4%-0.8pp
Return on Equity	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	2.9%-0.5pp
Return on Assets	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	0.7%-0.1pp
Debt-to-Equity	3.260.0x	3.27-0.1x	3.20+3.0x	3.29+3.1x	3.29+3.1x	3.36+3.2x	0.160.0x	0.160.0x
Asset Turnover	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.090.0x
FCF Margin	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	30.4%+9.7pp

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.

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	43/100
Conifer Holdings, Inc CNFR	FY2025	$43.3M	-$18.4M	-42.6%	$18.1M	7/100
NI Holdings, Inc. NODK	FY2025	$285.1M	-$10.4M	-3.6%	$305.5M	31/100
Kingstone Companies, Inc. KINS	FY2025	$214.9M	$40.8M	19.0%	$277.7M	39/100
Progressive Corporation PGR	FY2025	$87.7B	$11.3B	12.9%	$123.2B	47/100
Chubb Limited CB	FY2025	$59.4B	$10.3B	17.4%	$130.1B	59/100

Where Selective Insurance Group, Inc. Ranks

Frequently Asked Questions

What is Selective Insurance Group, Inc.'s annual revenue?

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.

How fast is Selective Insurance Group, Inc.'s revenue growing?

Selective Insurance Group, Inc. (SIGIP) revenue grew by 9.8% year-over-year, from $4.9B to $5.3B in fiscal year 2025.

Is Selective Insurance Group, Inc. profitable?

Yes, Selective Insurance Group, Inc. (SIGIP) reported a net income of $466.4M in fiscal year 2025, with a net profit margin of 8.7%.

What is Selective Insurance Group, Inc.'s net profit margin?

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.

Does Selective Insurance Group, Inc. pay dividends?

Yes, Selective Insurance Group, Inc. (SIGIP) paid $1.57 per share in dividends during fiscal year 2025.

What is Selective Insurance Group, Inc.'s return on equity (ROE)?

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.

What is Selective Insurance Group, Inc.'s free cash flow?

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.

What is Selective Insurance Group, Inc.'s operating cash flow?

Selective Insurance Group, Inc. (SIGIP) generated $1.2B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Selective Insurance Group, Inc.'s total assets?

Selective Insurance Group, Inc. (SIGIP) had $15.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Selective Insurance Group, Inc.'s capital expenditures?

Selective Insurance Group, Inc. (SIGIP) invested $38.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Selective Insurance Group, Inc. buy back shares?

Yes, Selective Insurance Group, Inc. (SIGIP) spent $92.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Selective Insurance Group, Inc. have outstanding?

Selective Insurance Group, Inc. (SIGIP) had 60M shares outstanding as of fiscal year 2025.

What is Selective Insurance Group, Inc.'s debt-to-equity ratio?

Selective Insurance Group, Inc. (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 Insurance Group, Inc.'s return on assets (ROA)?

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.

What is Selective Insurance Group, Inc.'s Piotroski F-Score?

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.

Are Selective Insurance Group, Inc.'s earnings high quality?

Selective Insurance Group, Inc. (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 Insurance Group, Inc.?

Selective Insurance Group, Inc. (SIGIP) scores 43 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.