8-K Announcements
6Apr 22, 2026·SEC
Jan 30, 2026·SEC
Jan 29, 2026·SEC
Selective Insurance Group, Inc. (SIGI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Selective Insurance Group, Inc. (SIGI) stock price & volume — 10-year historical chart
Selective Insurance Group, Inc. (SIGI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Selective Insurance Group, Inc. (SIGI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $1.69vs $1.80-6.1% | $1.2Bvs $1.3B-5.1% |
| Q1 2026 | Jan 29, 2026 | $2.57vs $2.02+27.2% | $1.1Bvs $1.1B-0.6% |
| Q4 2025 | Oct 22, 2025 | $1.75vs $1.85-5.4% | $1.4Bvs $1.3B+0.8% |
| Q3 2025 | Jul 23, 2025 | $1.31vs $1.55-15.5% | $1.3Bvs $1.3B-1.5% |
Selective Insurance Group, Inc. (SIGI) competitors in Commercial lines and surety insurers — business model, growth, and fundamentals comparison
Selective Insurance Group, Inc. (SIGI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Selective Insurance Group, Inc. (SIGI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.47B | 2.59B | 2.85B | 2.92B | 3.38B | 3.56B | 4.23B | 4.86B | 5.34B | 5.41B |
| Revenue Growth % | 8.13% | 4.7% | 10.07% | 2.66% | 15.63% | 5.3% | 18.95% | 14.87% | 9.78% | 8.61% |
| Medical Costs & Claims | 2.15B | 2.32B | 2.45B | 2.56B | 2.82B | 3.22B | 3.71B | 4.54B | 3.16B | 3.21B |
| Medical Cost Ratio % | 86.94% | 89.88% | 85.91% | 87.71% | 83.35% | 90.44% | 87.76% | 93.39% | 59.17% | 59.31% |
| Gross Profit | 322.58M▲ 0% | 261.59M▼ 18.9% | 400.96M▲ 53.3% | 359.24M▼ 10.4% | 562.78M▲ 56.7% | 340.26M▼ 39.5% | 518.07M▲ 52.3% | 321.3M▼ 38.0% | 2.18B▲ 578.6% | 2.2B▲ 0% |
| Gross Margin % | 13.06% | 10.12% | 14.09% | 12.29% | 16.65% | 9.56% | 12.24% | 6.61% | 40.86% | 40.69% |
| Gross Profit Growth % | 16.14% | -18.91% | 53.28% | -10.4% | 56.66% | -39.54% | 52.26% | -37.98% | 578.63% | - |
| Operating Expenses | 60.61M | 49.87M | 64.57M | 56.25M | 57.47M | 60.08M | 59.66M | 63.26M | 1.59B | 1.65B |
| OpEx / Revenue % | 2.45% | 1.93% | 2.27% | 1.92% | 1.7% | 1.69% | 1.41% | 1.3% | 29.81% | 30.56% |
| Depreciation & Amortization | 52.1M | 44.87M | 55.2M | 59.35M | 55.11M | 42.34M | 30.04M | 34.8M | 32.67M | 269.07M |
| Combined Ratio % | 89.39% | 91.81% | 88.18% | 89.63% | 85.05% | 92.13% | 89.17% | 94.69% | 88.98% | 89.87% |
| Operating Income | 261.97M▲ 0% | 211.72M▼ 19.2% | 336.39M▲ 58.9% | 302.99M▼ 9.9% | 505.31M▲ 66.8% | 280.19M▼ 44.6% | 458.41M▲ 63.6% | 258.03M▼ 43.7% | 589.6M▲ 128.5% | 535.02M▲ 0% |
| Operating Margin % | 10.61% | 8.19% | 11.82% | 10.37% | 14.95% | 7.87% | 10.83% | 5.31% | 11.05% | 9.89% |
| Operating Income Growth % | 19.1% | -19.18% | 58.88% | -9.93% | 66.78% | -44.55% | 63.61% | -43.71% | 128.5% | - |
| EBITDA | 314.07M | 256.6M | 391.6M | 362.34M | 560.42M | 322.52M | 488.45M | 292.83M | 622.27M | 817.29M |
| EBITDA Margin % | 12.72% | 9.92% | 13.76% | 12.4% | 16.58% | 9.06% | 11.54% | 6.02% | 11.66% | 15.1% |
| Interest Expense | 24.35M | 24.42M | 33.67M | 30.84M | 29.16M | 28.85M | 28.8M | 28.88M | 49.32M | 52.91M |
| Non-Operating Income | -24.35M | -24.42M | -33.67M | -30.84M | -29.16M | -28.85M | -28.8M | -28.88M | -49.32M | -32.91M |
| Pretax Income | 261.97M▲ 0% | 211.72M▼ 19.2% | 336.39M▲ 58.9% | 302.99M▼ 9.9% | 505.31M▲ 66.8% | 280.19M▼ 44.6% | 458.41M▲ 63.6% | 258.03M▼ 43.7% | 589.6M▲ 128.5% | 574.92M▲ 0% |
| Pretax Margin % | 10.61% | 8.19% | 11.82% | 10.37% | 14.95% | 7.87% | 10.83% | 5.31% | 11.05% | 10.63% |
| Income Tax | 93.14M | 32.78M | 64.77M | 56.63M | 101.47M | 55.3M | 93.17M | 51.02M | 123.2M | 120.73M |
| Effective Tax Rate % | 35.55% | 15.48% | 19.25% | 18.69% | 20.08% | 19.74% | 20.33% | 19.77% | 20.9% | 21% |
| Net Income | 168.83M▲ 0% | 178.94M▲ 6.0% | 271.62M▲ 51.8% | 246.35M▼ 9.3% | 403.84M▲ 63.9% | 224.89M▼ 44.3% | 365.24M▲ 62.4% | 207.01M▼ 43.3% | 466.41M▲ 125.3% | 454.18M▲ 0% |
| Net Margin % | 6.84% | 6.92% | 9.54% | 8.43% | 11.95% | 6.32% | 8.63% | 4.26% | 8.74% | 8.39% |
| Net Income Growth % | 6.52% | 5.99% | 51.8% | -9.3% | 63.92% | -44.31% | 62.41% | -43.32% | 125.31% | 93.77% |
| EPS (Diluted) | 2.84▲ 0% | 3.00▲ 5.6% | 4.53▲ 51.0% | 4.09▼ 9.7% | 6.50▲ 58.9% | 3.54▼ 45.5% | 5.84▲ 65.0% | 3.23▼ 44.7% | 7.48▲ 131.6% | 7.51▲ 0% |
| EPS Growth % | 5.19% | 5.63% | 51% | -9.71% | 58.92% | -45.54% | 64.97% | -44.69% | 131.58% | 99.18% |
| EPS (Basic) | 2.89 | 3.00 | 4.57 | 4.11 | 6.55 | 3.57 | 5.87 | 3.25 | 7.48 | - |
| Diluted Shares Outstanding | 59.36M | 59.71M | 60M | 60.29M | 60.67M | 60.88M | 60.97M | 61.3M | 61.1M | 60.5M |
Selective Insurance Group, Inc. (SIGI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 7.69B | 7.95B | 8.8B | 9.69B | 10.46B | 10.8B | 11.8B | 13.51B | 15.16B | 15.32B |
| Asset Growth % | 4.49% | 3.46% | 10.62% | 10.13% | 7.98% | 3.26% | 9.26% | 14.5% | 12.15% | 46.4% |
| Total Investment Assets | 132.27M | 178.94M | 6.69B | 7.51B | 8.03B | 7.84B | 8.69B | 9.65B | 11.3B | 4M |
| Long-Term Investments | 132.27M | 178.94M | 6.47B | 7.19B | 7.52B | 7.25B | 8.02B | 8.88B | 10.06B | 41.47B |
| Short-Term Investments | 0 | 0 | 6.38B | 6.87B | 7.16B | 7.05B | 7.81B | 1.1B | 1.24B | 9.73B |
| Total Current Assets | 534K | 505K | 0 | 0 | 0 | 0 | 0 | 0 | 10.99B | 11.31B |
| Cash & Equivalents | 534K | 505K | 300K | 394K | 455K | 26K | 180K | 91K | 346K | 200K |
| Receivables | 0 | 0 | 1.44B | 1.47B | 1.59B | 1.87B | 1.97B | 2.53B | 1.53B | 8.24B |
| Other Current Assets | 0 | 0 | -7.99B | -8.51B | -8.94B | -9.1B | -9.98B | -3.87B | 8.21B | 0 |
| Goodwill & Intangibles | 242.9M | 260.46M | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 500.1M | 523.57M |
| Goodwill | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 7.85M | 7.8M | 7.8M |
| Intangible Assets | 235.06M | 252.61M | 0 | 0 | 0 | 0 | 0 | 0 | 492.3M | 0 |
| PP&E (Net) | 63.96M | 65.25M | 77.41M | 77.7M | 82.05M | 84.31M | 83.27M | 93.3M | 106.4M | 109.9M |
| Other Assets | 7.13B | 7.33B | -6.56B | -7.28B | -7.61B | -7.34B | -8.11B | -8.98B | -10.55B | -11.39B |
| Total Liabilities | 5.97B | 6.16B | 6.6B | 6.95B | 7.48B | 8.27B | 8.85B | 10.39B | 11.55B | 11.73B |
| Total Debt | 439.12M | 439.54M | 550.6M | 550.74M | 506.05M | 504.68M | 506.58M | 507.94M | 898.3M | 901.4M |
| Net Debt | 438.58M | 439.04M | 550.3M | 550.35M | 505.6M | 504.65M | 506.4M | 507.85M | 898M | 901.2M |
| Long-Term Debt | 439.12M | 439.54M | 549.86M | 550.24M | 500.6M | 500.96M | 503.95M | 501.66M | 898.3M | 901.4M |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Liabilities | 131.85M | 124.47M | 0 | 0 | 0 | 0 | 0 | 0 | 16.9M | 44.8M |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.49B |
| Other Current Liabilities | 0 | 6.46M | -129.74M | -128.89M | -121.06M | -115.19M | -128.25M | -141.37M | -123.9M | -2.44B |
| Deferred Taxes | 0 | 0 | 0 | 1000K | 1000K | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 5.53B | 5.72B | -550.6M | -577.84M | -519.46M | -504.68M | -506.58M | -507.94M | 10.54B | 10.79B |
| Total Equity | 1.71B▲ 0% | 1.79B▲ 4.6% | 2.19B▲ 22.5% | 2.74B▲ 24.8% | 2.98B▲ 8.9% | 2.53B▼ 15.3% | 2.95B▲ 16.9% | 3.12B▲ 5.6% | 3.61B▲ 15.7% | 3.59B▲ 0% |
| Equity Growth % | 11.86% | 4.6% | 22.5% | 24.78% | 8.91% | -15.26% | 16.89% | 5.61% | 15.67% | 51.21% |
| Shareholders Equity | 1.71B | 1.79B | 2.19B | 2.74B | 2.98B | 2.53B | 2.95B | 3.12B | 3.61B | 3.59B |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 1.7B | 1.86B | 2.08B | 2.27B | 2.6B | 2.75B | 3.03B | 3.14B | 3.5B | 3.57B |
| Common Stock | 204.57M | 205.7M | 206.97M | 208.07M | 208.9M | 209.69M | 210.45M | 211.22M | 212M | 212.4M |
| Accumulated OCI | 20.17M | -77.96M | 81.75M | 220.19M | 115.1M | -498.04M | -373M | -336.85M | -151.7M | -222.6M |
| Return on Equity (ROE) | 10.41% | 10.21% | 13.63% | 9.99% | 14.12% | 8.16% | 13.33% | 6.82% | 13.86% | 12.93% |
| Return on Assets (ROA) | 2.24% | 2.29% | 3.24% | 2.67% | 4.01% | 2.12% | 3.23% | 1.64% | 3.25% | 3.03% |
| Equity / Assets | 22.29% | 22.53% | 24.95% | 28.27% | 28.51% | 23.4% | 25.03% | 23.09% | 23.81% | 23.41% |
| Debt / Equity | 0.26x | 0.25x | 0.25x | 0.20x | 0.17x | 0.20x | 0.17x | 0.16x | 0.25x | 0.25x |
| Book Value per Share | 28.86 | 30.01 | 36.58 | 45.43 | 49.17 | 41.52 | 48.46 | 50.90 | 59.07 | 59.30 |
| Tangible BV per Share | 24.77 | 25.65 | 36.45 | 45.30 | 49.04 | 41.39 | 48.33 | 50.77 | 50.88 | 59.17 |
Selective Insurance Group, Inc. (SIGI) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 379.55M | 454.94M | 477.5M | 554.04M | 771.42M | 802.41M | 758.91M | 1.1B | 1.27B | 1.27B |
| Operating CF Growth % | 15.19% | 19.87% | 4.96% | 16.03% | 39.23% | 4.02% | -5.42% | 44.93% | 15.68% | -37.84% |
| Operating CF / Revenue % | 15.37% | 17.59% | 16.77% | 18.96% | 22.83% | 22.55% | 17.93% | 22.62% | 23.84% | 23.51% |
| Net Income | 168.83M | 178.94M | 271.62M | 246.35M | 403.84M | 224.89M | 365.24M | 207.01M | 466.41M | 454.18M |
| Depreciation & Amortization | 52.1M | 44.87M | 55.2M | 59.35M | 55.11M | 42.34M | 30.04M | 34.8M | 32.67M | 33.15M |
| Stock-Based Compensation | 31.2M | 19.3M | 19.08M | 16.23M | 15.89M | 18.43M | 18.35M | 22.76M | 0 | 20.75M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 81.25M | 125.26M | -24.35M | -4.7M | 87.41M | 145.22M | 2.52M | 2.25M | 57.82M | 625.39M |
| Working Capital Changes | 46.17M | 86.57M | 155.94M | 236.81M | 209.18M | 371.54M | 342.77M | 833.06M | 715.4M | 48.34M |
| Cash from Investing | -332.66M | -435.69M | -543.62M | -688.17M | -618.78M | -734.45M | -686.36M | -947.38M | -1.52B | -1.08B |
| Capital Expenditures | -14.07M | -16.11M | -30.99M | -22.06M | -22.16M | -26.02M | -22.63M | -30.81M | -38.74M | -36.67M |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchase of Investments | -6.53B | -7.35B | -8.06B | -7.8B | -6.7B | -7.26B | -7.04B | -12.44B | -16.98B | -11.74B |
| Sale/Maturity of Investments | 6.19B | 6.9B | 7.52B | 7.15B | 6.14B | 6.59B | 6.41B | 11.54B | 15.49B | 12.23B |
| Other Investing | 21.84M | 28.38M | 19.98M | -21.42M | -31.99M | -34.85M | -28.37M | -18.33M | 0 | -1.54B |
| Cash from Financing | -39.58M | -47.05M | 57.18M | 141.38M | -122.81M | -87.82M | -84.49M | -102.75M | 207.48M | -201.12M |
| Dividends Paid | -37.05M | -42.1M | -47.67M | -54.49M | -69.49M | -76.12M | -83.03M | -94.14M | -102.08M | -79.82M |
| Share Repurchases | -6.01M | -6.56M | -8.16M | -7.05M | -9.05M | -18.34M | -7.93M | -15.62M | -92.59M | -5.29M |
| Stock Issued | 7.6M | 7.25M | 8.24M | 8.41M | 7.98M | 9.09M | 9.13M | 9.63M | 9.02M | 2.92M |
| Debt Issuance (Net) | -1000K | -1000K | 1000K | -550K | -1000K | -1000K | -1000K | -1000K | 1000K | -373K |
| Other Financing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -118.97M |
| Net Change in Cash | 7.3M▲ 0% | -27.79M▼ 480.4% | -8.94M▲ 67.8% | 7.26M▲ 181.1% | 29.83M▲ 311.1% | -19.85M▼ 166.6% | -11.94M▲ 39.9% | 49.75M▲ 516.8% | -45.07M▼ 190.6% | -97.4M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 37.41M | 44.71M | 16.92M | 7.97M | 15.23M | 45.06M | 25.21M | 13.27M | 63.02M | 17.96M |
| Cash at End | 44.71M | 16.92M | 7.97M | 15.23M | 45.06M | 25.21M | 13.27M | 63.02M | 17.96M | 10.89M |
| Free Cash Flow | 365.47M▲ 0% | 438.83M▲ 20.1% | 446.51M▲ 1.7% | 531.98M▲ 19.1% | 749.26M▲ 40.8% | 776.39M▲ 3.6% | 736.28M▼ 5.2% | 1.07B▲ 45.2% | 1.23B▲ 15.4% | 1.15B▲ 0% |
| FCF Growth % | 17.38% | 20.07% | 1.75% | 19.14% | 40.84% | 3.62% | -5.17% | 45.2% | 15.38% | -7.05% |
| FCF Margin % | 14.8% | 16.97% | 15.69% | 18.2% | 22.17% | 21.82% | 17.4% | 21.99% | 23.11% | 21.16% |
| FCF per Share | 6.16 | 7.35 | 7.44 | 8.82 | 12.35 | 12.75 | 12.08 | 17.44 | 20.19 | 20.19 |
Selective Insurance Group, Inc. (SIGI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 89.39% | 91.81% | 88.18% | 89.63% | 85.05% | 92.13% | 89.17% | 94.69% | 88.98% | 89.87% |
| Medical Cost Ratio | 86.94% | 89.88% | 85.91% | 87.71% | 83.35% | 90.44% | 87.76% | 93.39% | 59.17% | 59.31% |
| Return on Equity (ROE) | 10.41% | 10.21% | 13.63% | 9.99% | 14.12% | 8.16% | 13.33% | 6.82% | 13.86% | 12.93% |
| Return on Assets (ROA) | 2.24% | 2.29% | 3.24% | 2.67% | 4.01% | 2.12% | 3.23% | 1.64% | 3.25% | 3.03% |
| Equity / Assets | 22.29% | 22.53% | 24.95% | 28.27% | 28.51% | 23.4% | 25.03% | 23.09% | 23.81% | 23.41% |
| Book Value / Share | 28.86 | 30.01 | 36.58 | 45.43 | 49.17 | 41.52 | 48.46 | 50.9 | 59.07 | 59.3 |
| Debt / Equity | 0.26x | 0.25x | 0.25x | 0.20x | 0.17x | 0.20x | 0.17x | 0.16x | 0.25x | 0.25x |
| Revenue Growth | 8.13% | 4.7% | 10.07% | 2.66% | 15.63% | 5.3% | 18.95% | 14.87% | 9.78% | 8.61% |
Selective Insurance Group, Inc. (SIGI) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Jan 30, 2026·SEC
Jan 29, 2026·SEC
Selective Insurance Group, Inc. (SIGI) stock FAQ — growth, dividends, profitability & financials explained
Selective Insurance Group, Inc. (SIGI) grew revenue by 9.8% over the past year. This is steady growth.
Yes, Selective Insurance Group, Inc. (SIGI) is profitable, generating $454.2M in net income for fiscal year 2025 (8.7% net margin).
Yes, Selective Insurance Group, Inc. (SIGI) pays a dividend with a yield of 1.83%. This makes it attractive for income-focused investors.
Selective Insurance Group, Inc. (SIGI) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
Selective Insurance Group, Inc. (SIGI) has a combined ratio of 89.0%. A ratio below 100% indicates underwriting profitability.
Selective Insurance Group, Inc. (SIGI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates