SELECTIVE INSURANCE GROUP INC
SIGI· Nasdaq, Nasdaq· Fire, Marine & Casualty Insurance
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 22.4%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +12.8%
We record prices for the companies we cover; SIGI is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 61.1M
- Revenue
- $5.3B
- Free cash flow
- $1.2B
- Owner earnings
- $1.2B
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 8.7%
- Free cash flow
- 22.4%
- Owner earnings
- 21.9%
- Stock pay
- 0.4%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 12.9%
- ROE, 5 yr avg
- 10.9%
Growth (CAGR)
- Revenue, 3 yr
- 14.5%
- Revenue, 5 yr
- 12.8%
- Revenue, 9 yr
- 9.9%
- Diluted EPS, 3 yr
- 28.4%
- Diluted EPS, 5 yr
- 12.9%
- Diluted EPS, 9 yr
- 12.0%
- Free cash flow, 3 yr
- 15.4%
- Free cash flow, 5 yr
- 17.6%
- Free cash flow, 9 yr
- –
Financial health · FY2025
- Cash and investments
- $18.0M
- Total debt
- –
- Net cash
- –
- Debt/Equity
- –
- Debt/FCF
- –
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 19.9%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- 0.3%
Financials: ten years from the 10-Ks
Revenue
$5.3B
+9.9% a year over 9 years
FY2016FY2025
Margins
8.7%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$1.2BOwner earnings$1.2B
Free cash flow +15.4% a year
FY2016FY2025
Diluted shares
61.1M
+3.9% over 9 years, net dilution
FY2016FY2025
Net debt (below zero)
–
$444.9M more debt than cash
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | $2.3B | $2.5B | $2.6B | $2.8B | $2.9B | $3.4B | $3.6B | $4.2B | $4.9B | $5.3B |
| Revenue growth | 7.1% | 8.1% | 4.7% | 10.1% | 2.7% | 15.6% | 5.3% | 18.9% | 14.9% | 9.8% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $158.5M | $168.8M | $178.9M | $271.6M | $246.4M | $403.8M | $224.9M | $365.2M | $207.0M | $466.4M |
| Net margin | 6.9% | 6.8% | 6.9% | 9.5% | 8.4% | 12.0% | 6.3% | 8.6% | 4.3% | 8.7% |
| Diluted EPS | $2.70 | $2.84 | $3.00 | $4.53 | $4.09 | $6.50 | $3.54 | $5.84 | $3.23 | $7.49 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $329.5M | $379.5M | $454.9M | $477.5M | $554.0M | $771.4M | $802.4M | $758.9M | $1.1B | $1.2B |
| Capital expenditure | – | – | $16.1M | $31.0M | $22.1M | $22.2M | $26.0M | $22.6M | $30.8M | $38.7M |
| Free cash flow | – | – | $438.8M | $446.5M | $532.0M | $749.3M | $776.4M | $736.3M | $1.1B | $1.2B |
| Stock-based compensation | $10.4M | $12.1M | $14.5M | $19.1M | $16.2M | $15.9M | $18.4M | $18.3M | $22.8M | $23.1M |
| Owner earnings? | – | – | $424.3M | $427.4M | $515.8M | $733.4M | $758.0M | $717.9M | $1.0B | $1.2B |
| Free cash flow per share | – | – | $7.35 | $7.44 | $8.82 | $12.35 | $12.75 | $12.08 | $17.45 | $19.56 |
| Capital allocation | ||||||||||
| Dividends paid | $33.8M | $37.0M | $42.1M | $47.7M | $54.5M | $60.1M | $66.9M | $73.8M | $84.9M | $92.9M |
| Share repurchases | $5.0M | $6.0M | $6.6M | $8.2M | $7.1M | $9.1M | $18.3M | $7.9M | $15.6M | $92.6M |
| Diluted shares | 58.7M | 59.4M | 59.7M | 60.0M | 60.3M | 60.7M | 60.9M | 61.0M | 61.3M | 61.1M |
| Share count change? | 1.0% | 1.0% | 0.6% | 0.5% | 0.5% | 0.6% | 0.3% | 0.2% | 0.5% | -0.4% |
| Balance sheet | ||||||||||
| Cash and equivalents | $37.4M | $44.7M | $16.9M | $8.0M | $15.2M | $45.1M | $25.2M | $13.3M | $63.0M | $18.0M |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | $438.7M | $439.1M | $439.5M | $550.6M | $550.7M | $506.1M | $504.7M | $503.9M | $507.9M | – |
| Net debt | $401.3M | $394.4M | $422.6M | $542.6M | $535.5M | $461.0M | $479.5M | $490.7M | $444.9M | – |
| Shareholders' equity | $1.5B | $1.7B | $1.8B | $2.2B | $2.7B | $3.0B | $2.5B | $3.0B | $3.1B | $3.6B |
Latest filings
| 2026-10-23 | 10-Q | Quarterly report |
| 2026-10-22 | 8-K | Earnings release |
| 2026-07-24 | 10-Q | Quarterly report |
| 2026-07-23 | 8-K | Earnings release |
| 2026-04-24 | 10-Q | Quarterly report |
| 2026-04-22 | 8-K | Earnings release |
| 2026-03-26 | DEF 14A | Proxy statement |
| 2026-02-09 | 10-K | Annual report |
| 2026-01-29 | 8-K | Earnings release |
| 2025-10-24 | 10-Q | Quarterly report |
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