SIGINasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31Also trades as SIGIP
SELECTIVE INSURANCE GROUP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 24, 2026
$88.87−0.29 (-0.33%)
Close on Oct 19, 2026
- Market cap
- $5.35B
- P/E (TTM)
- 11.0
- Dividend yield
- 1.77%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
8.7%+0.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +9.8% | +14.5% | +12.8% | +9.6% | |
| Net income | +125.3% | +27.5% | +13.6% | +10.9% | |
| EPS, diluted | +131.9% | +28.4% | +12.9% | +10.1% | |
| Free cash flow | +11.7% | +15.4% | +17.6% | – | |
| Dividend per share | +9.8% | +11.3% | +10.8% | +10.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.8% | 10.0% | 13.9% | |
| Return on assets | 2.2% | 2.7% | 3.3% | |
| Debt to equity | – | 0.20 | – | |
| Capex to revenue | – | 0.8% | 0.7% | |
| Diluted shares | 59M | 60M | 61M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Selective Insurance generated $4.67B from operations and spent $662.61M on capital expenditure, dividends and share buybacks. 21% of that went back into the business.
Generated
$4.67B
Used
$662.61M
Capital expenditure$140.37M21%Dividends$378.70M57%Share buybacks$143.54M22%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin8.7%
×Asset turnover0.37×
×Equity multiplier4.26×
=Return on equity, FY202513.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 8.7% | 0.37× | 4.26× | 13.9% |
| FY2024 | 4.3% | 0.38× | 4.17× | 6.8% |
| FY2023 | 8.6% | 0.37× | 4.12× | 13.3% |
| FY2022 | 6.3% | 0.33× | 3.86× | 8.2% |
| FY2021 | 12.0% | 0.34× | 3.52× | 14.1% |
| FY2020 | 8.4% | 0.32× | 3.75× | 10.0% |
| FY2019 | 9.5% | 0.34× | 4.20× | 13.6% |
| FY2018 | 6.9% | 0.33× | 4.46× | 10.2% |
| FY2017 | 6.8% | 0.33× | 4.64× | 10.4% |
| FY2016 | 6.9% | 0.32× | 4.87× | 10.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$466.41M
- Cash generatingOperating cash flow above zero$1.23B
- Return on assets improvedROA up on the prior year1.8% → 3.5%
- Earnings backed by cashOperating cash flow above net income$1.23B vs $466.41M
- Less leverageLong-term debt to assets fell3.8% → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise61M → 61M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.41 → 0.39