InsiderClue
Stocks · Financials · Fire, Marine & Casualty Insurance

SELECTIVE INSURANCE GROUP INC

SIGI Clue Score57
United States Fiscal year ends December CIK 0000230557
$84.22 -1.07% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $84.22 +10.60% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue2.28Net income0.16EPS, diluted2.70Fiscal year 2017Revenue2.47 +8.1%Net income0.17 +6.5%EPS, diluted2.84 +5.2%Fiscal year 2018Revenue2.59 +4.7%Net income0.18 +6.0%EPS, diluted3.00 +5.6%Fiscal year 2019Revenue2.85 +10.1%Net income0.27 +51.8%EPS, diluted4.53 +51.0%Fiscal year 2020Revenue2.92 +2.7%Net income0.25 −9.3%EPS, diluted4.09 −9.7%Fiscal year 2021Revenue3.38 +15.6%Net income0.40 +63.9%EPS, diluted6.50 +58.9%Fiscal year 2022Revenue3.56 +5.3%Net income0.22 −44.3%EPS, diluted3.54 −45.5%Fiscal year 2023Revenue4.23 +18.9%Net income0.37 +62.4%EPS, diluted5.84 +65.0%Fiscal year 2024Revenue4.86 +14.9%Net income0.21 −43.3%EPS, diluted3.23 −44.7%Fiscal year 2025Revenue5.34 +9.8%Net income0.47 +125.3%EPS, diluted7.49 +131.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 2.28 2.47 2.59 2.85 2.92 3.38 3.56 4.23 4.86 5.34
Growth +8.1% +4.7% +10.1% +2.7% +15.6% +5.3% +18.9% +14.9% +9.8%
Net income 0.16 0.17 0.18 0.27 0.25 0.40 0.22 0.37 0.21 0.47
Growth +6.5% +6.0% +51.8% −9.3% +63.9% −44.3% +62.4% −43.3% +125.3%
EPS, diluted 2.70 2.84 3.00 4.53 4.09 6.50 3.54 5.84 3.23 7.49
Growth +5.2% +5.6% +51.0% −9.7% +58.9% −45.5% +65.0% −44.7% +131.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin6.9%Fiscal year 2017Net margin6.8%Fiscal year 2018Net margin6.9%Free cash flow margin17.0%Fiscal year 2019Net margin9.5%Free cash flow margin15.7%Fiscal year 2020Net margin8.4%Free cash flow margin18.2%Fiscal year 2021Net margin12.0%Free cash flow margin22.2%Fiscal year 2022Net margin6.3%Free cash flow margin21.8%Fiscal year 2023Net margin8.6%Free cash flow margin17.4%Fiscal year 2024Net margin4.3%Free cash flow margin22.0%Fiscal year 2025Net margin8.7%Free cash flow margin22.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 6.9% 6.8% 6.9% 9.5% 8.4% 12.0% 6.3% 8.6% 4.3% 8.7%
Free cash flow margin n/a n/a 17.0% 15.7% 18.2% 22.2% 21.8% 17.4% 22.0% 22.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.33Buybacks−0.00Dividends paid−0.03Fiscal year 2017Operating cash flow0.38Buybacks−0.01Dividends paid−0.04Fiscal year 2018Operating cash flow0.45Capital expenditure−0.02Free cash flow0.44Buybacks−0.01Dividends paid−0.04Fiscal year 2019Operating cash flow0.48Capital expenditure−0.03Free cash flow0.45 +1.7%Buybacks−0.01Dividends paid−0.05Fiscal year 2020Operating cash flow0.55Capital expenditure−0.02Free cash flow0.53 +19.1%Buybacks−0.01Dividends paid−0.05Fiscal year 2021Operating cash flow0.77Capital expenditure−0.02Free cash flow0.75 +40.8%Buybacks−0.01Dividends paid−0.06Fiscal year 2022Operating cash flow0.80Capital expenditure−0.03Free cash flow0.78 +3.6%Buybacks−0.02Dividends paid−0.07Fiscal year 2023Operating cash flow0.76Capital expenditure−0.02Free cash flow0.74 −5.2%Buybacks−0.01Dividends paid−0.07Fiscal year 2024Operating cash flow1.10Capital expenditure−0.03Free cash flow1.07 +45.2%Buybacks−0.02Dividends paid−0.08Fiscal year 2025Operating cash flow1.23Capital expenditure−0.04Free cash flow1.19 +11.7%Buybacks−0.09Dividends paid−0.09
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.33 0.38 0.45 0.48 0.55 0.77 0.80 0.76 1.10 1.23
Capital expenditure n/a n/a −0.02 −0.03 −0.02 −0.02 −0.03 −0.02 −0.03 −0.04
Free cash flow n/a n/a 0.44 0.45 0.53 0.75 0.78 0.74 1.07 1.19
Growth +1.7% +19.1% +40.8% +3.6% −5.2% +45.2% +11.7%
Buybacks −0.00 −0.01 −0.01 −0.01 −0.01 −0.01 −0.02 −0.01 −0.02 −0.09
Dividends paid −0.03 −0.04 −0.04 −0.05 −0.05 −0.06 −0.07 −0.07 −0.08 −0.09

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.04Total debt0.44Net cash (debt)−0.40Shareholders’ equity1.53Debt to equity0.29Fiscal year 2017Cash0.04Total debt0.44Net cash (debt)−0.39Shareholders’ equity1.71Debt to equity0.26Fiscal year 2018Cash0.02Total debt0.44Net cash (debt)−0.42Shareholders’ equity1.79Debt to equity0.25Fiscal year 2019Cash0.01Total debt0.55Net cash (debt)−0.54Shareholders’ equity2.19Debt to equity0.25Fiscal year 2020Cash0.02Total debt0.55Net cash (debt)−0.54Shareholders’ equity2.74Debt to equity0.20Fiscal year 2021Cash0.05Total debt0.51Net cash (debt)−0.46Shareholders’ equity2.98Debt to equity0.17Fiscal year 2022Cash0.03Total debt0.50Net cash (debt)−0.48Shareholders’ equity2.53Debt to equity0.20Fiscal year 2023Cash0.01Total debt0.50Net cash (debt)−0.49Shareholders’ equity2.95Debt to equity0.17Fiscal year 2024Cash0.06Total debt0.51Net cash (debt)−0.44Shareholders’ equity3.12Debt to equity0.16Fiscal year 2025Cash0.02Shareholders’ equity3.61
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.04 0.04 0.02 0.01 0.02 0.05 0.03 0.01 0.06 0.02
Total debt 0.44 0.44 0.44 0.55 0.55 0.51 0.50 0.50 0.51 n/a
Net cash (debt) −0.40 −0.39 −0.42 −0.54 −0.54 −0.46 −0.48 −0.49 −0.44 n/a
Shareholders’ equity 1.53 1.71 1.79 2.19 2.74 2.98 2.53 2.95 3.12 3.61
Debt to equity 0.29 0.26 0.25 0.25 0.20 0.17 0.20 0.17 0.16 n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
9.6% 10.6% 8.2% 11.8% 10.4% 15.0% 7.9% 10.8% 5.3% 11.0%
6.9% 6.8% 6.9% 9.5% 8.4% 12.0% 6.3% 8.6% 4.3% 8.7%
n/a n/a 17.0% 15.7% 18.2% 22.2% 21.8% 17.4% 22.0% 22.4%
Spending
n/a n/a 0.6% 1.1% 0.8% 0.7% 0.7% 0.5% 0.6% 0.7%
27.9% 35.6% 15.5% 19.3% 18.7% 20.1% 19.7% 20.3% 19.8% 20.9%
Returns
10.3% 9.9% 10.0% 12.4% 9.0% 13.5% 8.9% 12.4% 6.6% 12.9%
2.2% 2.2% 2.3% 3.1% 2.5% 3.9% 2.1% 3.1% 1.5% 3.1%
Balance and payout
0.29 0.26 0.25 0.25 0.20 0.17 0.20 0.17 0.16 n/a
79.2% 77.7% 77.5% 75.0% 71.7% 71.5% 76.6% 75.0% 76.9% 76.2%
21.3% 21.9% 23.5% 17.6% 22.1% 14.9% 29.8% 20.2% 41.0% 19.9%
n/a n/a 11.1% 12.5% 11.6% 9.2% 11.0% 11.1% 9.4% 15.5%