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Selective Insurance Group (SIGIP) Financials

Selective Insurance Group logo
$18.07 +0.20 (+1.12%)
As of 04:00 PM Eastern
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Annual Income Statements for Selective Insurance Group

Annual Income Statements for Selective Insurance Group

This table shows Selective Insurance Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 166 158 169 179 272 246 394 216 356 198
Consolidated Net Income / (Loss)		 166 158 169 179 272 246 404 225 365 207
Net Income / (Loss) Continuing Operations		 166 158 169 179 272 246 404 225 365 207
Total Pre-Tax Income 		233 220 262 212 336 303 505 280 458 258
Total Revenue		 2,109 2,261 2,446 2,562 2,846 2,891 3,350 3,529 4,203 4,833
Net Interest Income / (Expense)		 -22 -23 -24 -24 -34 -31 -29 -29 -29 -29
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 22 23 24 24 34 31 29 29 29 29
Long-Term Debt Interest Expense		 22 23 24 24 34 31 29 29 29 29
Total Non-Interest Income		 2,132 2,284 2,470 2,586 2,846 2,922 3,379 3,558 4,232 4,862
Other Service Charges		 7.46 8.88 11 9.44 12 18 18 11 19 31
Net Realized & Unrealized Capital Gains on Investments		 134 126 168 140 237 223 344 173 385 454
Premiums Earned		 1,990 2,150 2,291 2,436 2,597 2,682 3,017 3,373 3,828 4,376
Total Non-Interest Expense		 1,877 2,042 2,184 2,350 2,476 2,588 2,845 3,249 3,745 4,575
Property & Liability Insurance Claims		 1,149 1,235 1,345 1,498 1,551 1,636 1,814 2,112 2,484 3,164
Insurance Policy Acquisition Costs		 300 321 333 331 358 367 376 400 434 453
Amortization Expense		 399 450 469 495 536 560 626 706 796 922
Other Special Charges		 28 35 36 25 31 25 28 31 31 35
Income Tax Expense		 67 61 93 33 65 57 101 55 93 51
Preferred Stock Dividends Declared		 - - - 0.00 0.00 0.00 9.35 9.20 9.20 9.20
Basic Earnings per Share		 $2.90 $2.74 $2.89 $3.04 $4.57 $4.12 $6.55 $3.57 $5.87 $3.25
Weighted Average Basic Shares Outstanding		 57.21M 57.89M 58.46M 58.95M 59.67M 59.88M 60.19M 60.34M 60.64M 60.81M
Diluted Earnings per Share		 $2.85 $2.70 $2.84 $3.00 $4.53 $4.09 $6.50 $3.54 $5.84 $3.23
Weighted Average Diluted Shares Outstanding		 57.21M 57.89M 58.46M 58.95M 59.67M 59.88M 60.19M 60.34M 60.64M 60.81M
Weighted Average Basic & Diluted Shares Outstanding		 57.21M 57.89M 58.46M 58.95M 59.67M 59.88M 60.19M 60.34M 60.64M 60.81M
Cash Dividends to Common per Share		 $0.57 $0.61 $0.66 $0.74 $0.83 $0.94 $1.03 $1.14 $1.25 $1.43

Quarterly Income Statements for Selective Insurance Group

This table shows Selective Insurance Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 40 84 90 56 87 123 80 -66 90 93 108
Consolidated Net Income / (Loss)		 43 87 93 59 89 125 83 -63 92 96 110
Net Income / (Loss) Continuing Operations		 43 87 93 59 89 125 83 -63 92 96 110
Total Pre-Tax Income 		53 108 115 74 113 157 103 -80 116 119 139
Total Revenue		 888 945 993 1,033 1,074 1,103 1,158 1,189 1,237 1,249 1,276
Net Interest Income / (Expense)		 -7.18 -7.25 -7.17 -7.26 -7.19 -7.19 -7.18 -7.20 -7.25 -7.25 -9.57
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 7.18 7.25 7.17 7.26 7.19 7.19 7.18 7.20 7.25 7.25 9.57
Long-Term Debt Interest Expense		 7.18 7.25 7.17 7.26 7.19 7.19 7.18 7.20 7.25 7.25 9.57
Total Non-Interest Income		 895 952 1,000 1,041 1,081 1,111 1,165 1,196 1,244 1,256 1,285
Other Service Charges		 2.93 3.84 2.63 6.10 5.18 5.48 7.80 5.84 8.93 8.55 5.51
Net Realized & Unrealized Capital Gains on Investments		 38 76 95 92 94 104 106 110 123 115 121
Premiums Earned		 854 873 902 942 982 1,001 1,051 1,080 1,112 1,133 1,159
Total Non-Interest Expense		 835 837 878 959 961 947 1,055 1,269 1,121 1,130 1,137
Property & Liability Insurance Claims		 548 545 567 646 646 625 704 926 766 769 746
Insurance Policy Acquisition Costs		 103 102 109 109 109 108 116 108 115 115 125
Amortization Expense		 179 184 190 195 201 211 219 226 236 241 247
Other Special Charges		 5.52 6.67 12 9.33 5.87 3.38 15 9.15 4.66 5.29 18
Income Tax Expense		 10 21 22 16 23 32 20 -17 24 24 29
Preferred Stock Dividends Declared		 2.30 2.30 2.30 2.30 2.30 2.30 2.30 2.30 2.30 2.30 2.30
Basic Earnings per Share		 $0.67 $1.39 $1.49 $0.93 $1.43 $2.02 $1.32 ($1.08) $1.48 $1.53 $1.77
Weighted Average Basic Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Diluted Earnings per Share		 $0.66 $1.38 $1.48 $0.92 $1.42 $2.02 $1.31 ($1.08) $1.47 $1.53 $1.76
Weighted Average Diluted Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Weighted Average Basic & Diluted Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Cash Dividends to Common per Share		 $0.28 - $0.30 $0.30 $0.30 - $0.35 $0.35 $0.35 - $0.38

Annual Cash Flow Statements for Selective Insurance Group

This table details how cash moves in and out of Selective Insurance Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -23 25 7.31 7.32 -8.94 7.26 30 -20 -12 50
Net Cash From Operating Activities		 382 330 380 455 477 554 771 802 759 1,100
Net Cash From Continuing Operating Activities		 382 330 380 490 477 554 771 802 759 1,100
Net Income / (Loss) Continuing Operations		 166 158 169 179 272 246 404 225 365 207
Consolidated Net Income / (Loss)		 166 158 169 179 272 246 404 225 365 207
Depreciation Expense		 60 62 52 45 55 59 55 42 30 35
Non-Cash Adjustments to Reconcile Net Income		 -2.31 16 -11 64 -5.27 12 -69 164 21 25
Changes in Operating Assets and Liabilities, net		 158 94 169 202 156 237 381 372 343 833
Net Cash From Investing Activities		 -392 -321 -333 -436 -544 -688 -619 -734 -686 -947
Net Cash From Continuing Investing Activities		 -392 -321 -333 -436 -544 -688 -619 -734 -686 -947
Purchase of Property, Leasehold Improvements and Equipment		 - - - -16 -31 -22 -22 -26 -23 -31
Purchase of Investment Securities		 -2,872 -5,605 -6,543 -7,348 -8,055 -7,843 -6,751 -7,326 -7,083 -12,497
Sale and/or Maturity of Investments		 2,480 5,285 6,210 6,928 7,543 7,177 6,154 6,618 6,419 11,580
Net Cash From Financing Activities		 -13 16 -40 -47 57 141 -123 -88 -84 -103
Net Cash From Continuing Financing Activities		 -13 16 -40 -47 57 141 -122 -88 -84 -103
Issuance of Debt		 15 165 - 130 356 - 0.00 60 20 0.00
Issuance of Common Equity		 10 7.81 7.60 7.25 8.24 8.41 7.98 9.09 9.13 9.63
Repayment of Debt		 -4.69 -120 -88 -130 -251 -588 -52 -62 -23 -2.63
Repurchase of Common Equity		 -4.18 -4.99 -6.02 -6.56 -8.16 -7.05 -9.05 -18 -7.93 -16
Payment of Dividends		 -31 -34 -37 -42 -48 -54 -69 -76 -83 -94

Quarterly Cash Flow Statements for Selective Insurance Group

This table details how cash moves in and out of Selective Insurance Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 1.47 16 10 -14 -7.91 -0.07 -1.43 -0.94 1.76 50 45
Net Cash From Operating Activities		 242 317 136 158 229 237 114 266 387 332 284
Net Cash From Continuing Operating Activities		 242 317 136 158 229 237 114 266 387 332 284
Net Income / (Loss) Continuing Operations		 43 87 93 59 89 125 83 -63 92 96 110
Consolidated Net Income / (Loss)		 43 87 93 59 89 125 83 -63 92 96 110
Depreciation Expense		 12 7.99 8.96 8.22 6.25 6.61 9.08 9.83 8.31 7.57 9.13
Non-Cash Adjustments to Reconcile Net Income		 42 19 -0.44 8.64 9.53 3.14 11 2.15 -1.28 13 11
Changes in Operating Assets and Liabilities, net		 145 203 35 82 124 102 12 317 288 216 154
Net Cash From Investing Activities		 -216 -284 -98 -155 -216 -216 -86 -247 -354 -260 -585
Net Cash From Continuing Investing Activities		 -216 -284 -98 -155 -216 -216 -86 -247 -354 -260 -585
Purchase of Property, Leasehold Improvements and Equipment		 -7.66 -4.26 -5.51 -4.04 -5.21 -7.87 -6.20 -7.73 -9.41 -7.47 -13
Purchase of Investment Securities		 -1,812 -1,890 -2,385 -1,656 -1,578 -1,463 -1,796 -2,330 -4,612 -3,759 -5,779
Sale and/or Maturity of Investments		 1,604 1,610 2,292 1,505 1,367 1,255 1,716 2,090 4,268 3,506 5,207
Net Cash From Financing Activities		 -24 -17 -27 -17 -20 -20 -30 -20 -32 -22 346
Net Cash From Continuing Financing Activities		 -24 -17 -27 -17 -20 -20 -30 -20 -32 -22 346
Issuance of Debt		 - 25 - - - - - - - - 396
Issuance of Common Equity		 1.22 3.59 0.97 3.72 0.92 3.52 0.89 3.86 0.98 3.91 0.79
Repayment of Debt		 -0.62 -26 -0.62 -21 -0.70 -0.73 -0.73 -0.54 -0.67 -0.69 -0.70
Repurchase of Common Equity		 -6.01 -0.26 -7.44 -0.07 -0.29 -0.13 -6.70 -0.03 -8.81 -0.08 -25
Payment of Dividends		 -19 -20 -20 -20 -20 -23 -23 -23 -23 -25 -25

Annual Balance Sheets for Selective Insurance Group

This table presents Selective Insurance Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 6,904 7,356 7,686 7,953 8,797 9,688 10,461 10,802 11,803 13,514
Cash and Due from Banks		 0.90 0.46 0.53 0.51 0.30 0.39 0.46 0.03 0.18 0.09
Restricted Cash		 - - 44 16 7.68 15 45 25 13 63
Trading Account Securities		 4,817 5,041 5,387 5,458 6,189 6,783 7,074 6,805 7,709 8,366
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 46 15 -16 -19 -20
Allowance for Loan and Lease Losses		 - - - - 0.00 0.00 14 16 19 20
Accrued Investment Income		 39 40 41 42 45 45 48 59 66 77
Premises and Equipment, Net		 66 70 64 65 77 78 82 84 83 93
Mortgage Servicing Rights		 - - - - 0.00 46 96 149 188 234
Unearned Premiums Asset		 756 828 901 928 991 1,594 1,728 2,041 2,173 2,764
Deferred Acquisition Cost		 213 223 235 253 271 289 327 369 425 479
Goodwill		 7.85 7.85 7.85 7.85 7.85 7.85 7.85 7.85 7.85 7.85
Other Assets		 1,006 1,146 1,006 1,182 1,208 830 1,052 1,262 1,136 1,429
Total Liabilities & Shareholders' Equity		 6,904 7,356 7,686 7,953 8,797 9,688 10,461 10,802 11,803 13,514
Total Liabilities		 5,506 5,824 5,973 6,161 6,602 6,949 7,479 8,275 8,848 10,394
Other Short-Term Payables		 - - - - - - - - 122 122
Long-Term Debt		 328 439 439 440 551 551 506 505 504 508
Claims and Claim Expense		 3,518 3,692 3,771 3,894 4,067 4,260 4,581 5,145 5,337 6,590
Unearned Premiums Liability		 1,170 1,263 1,350 1,432 1,523 1,618 1,803 1,993 2,331 2,616
Other Long-Term Liabilities		 431 431 413 396 461 520 588 632 555 558
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 0.00 0.00
Total Equity & Noncontrolling Interests		 1,398 1,531 1,713 1,792 2,195 2,739 2,983 2,528 2,954 3,120
Total Preferred & Common Equity		 1,398 1,531 1,713 1,792 2,195 2,739 2,983 2,528 2,954 3,120
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 200 200 200 200 200
Total Common Equity		 1,398 1,531 1,713 1,792 2,195 2,539 2,783 2,328 2,754 2,920
Common Stock		 528 551 572 596 625 647 673 703 733 768
Retained Earnings		 1,446 1,569 1,699 1,858 2,081 2,272 2,603 2,750 3,029 3,139
Treasury Stock		 -567 -572 -578 -585 -593 -600 -609 -627 -635 -651
Accumulated Other Comprehensive Income / (Loss)		 -9.43 -16 20 -78 82 220 115 -498 -373 -337

Quarterly Balance Sheets for Selective Insurance Group

This table presents Selective Insurance Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 10,520 11,015 11,217 11,428 12,056 12,565 13,473 14,198
Cash and Due from Banks		 0.54 0.15 0.35 0.11 0.12 0.16 0.10 0.12
Restricted Cash		 8.50 36 21 13 12 11 13 108
Trading Account Securities		 6,505 7,121 7,056 7,176 7,798 7,880 8,316 8,897
Loans and Leases, Net of Allowance		 130 165 157 -19 -20 -21 -21 -22
Allowance for Loan and Lease Losses		 15 17 18 19 20 21 21 22
Accrued Investment Income		 54 57 59 62 68 72 74 77
Premises and Equipment, Net		 85 83 81 81 83 89 92 100
Mortgage Servicing Rights		 145 157 175 186 208 219 224 258
Unearned Premiums Asset		 2,005 1,996 2,124 2,221 2,298 2,485 2,820 2,701
Deferred Acquisition Cost		 371 388 414 426 448 477 489 492
Goodwill		 7.85 7.85 7.85 7.85 7.85 7.85 7.85 7.85
Other Assets		 1,154 1,169 1,157 1,255 1,133 1,324 1,438 1,556
Total Liabilities & Shareholders' Equity		 10,520 11,015 11,217 11,428 12,056 12,565 13,473 14,198
Total Liabilities		 8,093 8,346 8,546 8,784 9,050 9,643 10,305 10,939
Other Short-Term Payables		 112 89 92 114 98 93 113 106
Long-Term Debt		 505 504 504 505 503 509 508 903
Claims and Claim Expense		 4,965 5,099 5,177 5,301 5,502 5,904 6,452 6,611
Unearned Premiums Liability		 2,022 2,092 2,251 2,342 2,441 2,599 2,655 2,698
Other Long-Term Liabilities		 488 561 522 521 506 539 577 621
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 2,428 2,669 2,671 2,644 3,006 2,923 3,168 3,259
Total Preferred & Common Equity		 2,428 2,669 2,671 2,644 3,006 2,923 3,168 3,259
Preferred Stock		 200 200 200 200 200 200 200 200
Total Common Equity		 2,228 2,469 2,471 2,444 2,806 2,723 2,968 3,059
Common Stock		 696 713 722 727 745 756 761 783
Retained Earnings		 2,684 2,822 2,860 2,928 3,088 3,001 3,070 3,224
Treasury Stock		 -627 -635 -635 -635 -642 -642 -651 -676
Accumulated Other Comprehensive Income / (Loss)		 -525 -430 -476 -576 -385 -393 -212 -272

Annual Metrics And Ratios for Selective Insurance Group

This table displays calculated financial ratios and metrics derived from Selective Insurance Group's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 4.85% 7.21% 8.14% 4.74% 11.12% 1.58% 15.86% 5.35% 19.10% 14.98%
EBITDA Growth		 20.58% -3.68% 11.52% -18.30% 65.73% -14.80% 54.67% -42.45% 51.45% -40.05%
EBIT Growth		 18.04% -5.47% 19.10% -19.18% 74.79% -18.12% 66.78% -44.55% 63.61% -43.71%
NOPAT Growth		 16.95% -4.44% 6.52% 5.99% 51.80% -9.30% 63.92% -44.31% 62.41% -43.32%
Net Income Growth		 16.95% -4.44% 6.52% 5.99% 51.80% -9.30% 63.92% -44.31% 62.41% -43.32%
EPS Growth		 15.38% -5.26% 5.19% 5.63% 51.00% -9.71% 58.92% -45.54% 64.97% -44.69%
Operating Cash Flow Growth		 63.94% -13.65% 15.19% 19.87% 4.96% 16.03% 39.23% 4.02% -5.42% 44.93%
Free Cash Flow Firm Growth		 -30.06% -190.70% 47.81% 854.50% -343.37% -22.75% 168.69% 233.24% -108.93% 161.34%
Invested Capital Growth		 8.37% 10.29% 9.24% 3.68% 23.04% 19.82% 6.06% -13.09% 14.05% 4.91%
Revenue Q/Q Growth		 2.07% 1.65% 1.88% 0.36% 3.34% 1.36% 2.92% 2.39% 3.92% 3.11%
EBITDA Q/Q Growth		 2.86% -4.47% 3.14% -7.26% 16.26% 8.74% -2.16% -6.52% 10.86% -11.20%
EBIT Q/Q Growth		 2.92% -5.77% 4.68% -7.05% 18.03% 9.81% -2.30% -5.43% 12.03% -12.81%
NOPAT Q/Q Growth		 2.50% -3.66% -5.12% 9.50% 15.33% 22.47% -6.50% -5.25% 11.73% -12.40%
Net Income Q/Q Growth		 2.50% -3.66% -5.12% 9.50% 15.33% 22.47% -6.50% -5.25% 11.73% -12.40%
EPS Q/Q Growth		 1.79% -3.57% -5.65% 9.49% 15.56% 22.09% -7.67% -5.09% 12.31% -13.17%
Operating Cash Flow Q/Q Growth		 7.07% 13.84% -12.95% 19.19% -0.24% 2.19% 7.67% 12.45% -9.58% 9.52%
Free Cash Flow Firm Q/Q Growth		 -58.79% 68.60% -134.73% -19.51% 11.65% -34.13% 70.31% -6.33% -155.03% 112.84%
Invested Capital Q/Q Growth		 1.88% -1.42% 0.64% 2.45% 2.14% 5.74% 1.93% 3.39% 9.82% -1.31%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 13.86% 12.45% 12.84% 10.02% 14.94% 12.53% 16.73% 9.14% 11.62% 6.06%
EBIT Margin		 11.03% 9.73% 10.71% 8.27% 13.00% 10.48% 15.08% 7.94% 10.91% 5.34%
Profit (Net Income) Margin		 7.86% 7.01% 6.90% 6.99% 9.54% 8.52% 12.05% 6.37% 8.69% 4.28%
Tax Burden Percent		 71.28% 72.06% 64.45% 84.52% 80.75% 81.31% 79.92% 80.26% 79.67% 80.23%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 90.90% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.72% 27.94% 35.55% 15.48% 19.25% 18.69% 20.08% 19.74% 20.33% 19.77%
Return on Invested Capital (ROIC)		 9.66% 8.44% 8.19% 8.16% 10.92% 8.16% 11.92% 6.90% 11.25% 5.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.66% 8.44% 8.19% 8.16% 10.92% 8.16% 11.92% 6.90% 11.25% 5.84%
Return on Net Nonoperating Assets (RNNOA)		 2.75% 2.38% 2.22% 2.05% 2.71% 1.82% 2.20% 1.27% 2.07% 0.97%
Return on Equity (ROE)		 12.41% 10.82% 10.41% 10.21% 13.63% 9.99% 14.12% 8.16% 13.33% 6.82%
Cash Return on Invested Capital (CROIC)		 1.62% -1.35% -0.64% 4.55% -9.75% -9.87% 6.03% 20.90% -1.88% 1.05%
Operating Return on Assets (OROA)		 3.45% 3.08% 3.48% 2.71% 4.42% 3.28% 5.02% 2.64% 4.06% 2.04%
Return on Assets (ROA)		 2.46% 2.22% 2.24% 2.29% 3.24% 2.67% 4.01% 2.12% 3.23% 1.64%
Return on Common Equity (ROCE)		 12.41% 10.82% 10.41% 10.21% 13.63% 9.58% 13.13% 7.57% 12.35% 6.37%
Return on Equity Simple (ROE_SIMPLE)		 11.86% 10.35% 9.86% 9.99% 12.38% 8.99% 13.54% 8.90% 12.36% 6.63%
Net Operating Profit after Tax (NOPAT)		 166 158 169 179 272 246 404 225 365 207
NOPAT Margin		 7.86% 7.01% 6.90% 6.99% 9.54% 8.52% 12.05% 6.37% 8.69% 4.28%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 88.97% 90.27% 89.29% 91.74% 87.00% 89.52% 84.92% 92.06% 89.09% 94.66%
Earnings before Interest and Taxes (EBIT)		 233 220 262 212 370 303 505 280 458 258
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 292 282 314 257 425 362 560 323 488 293
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.22 1.46 1.82 1.94 1.65 1.50 1.71 2.23 2.16 1.95
Price to Tangible Book Value (P/TBV)		 1.22 1.47 1.83 1.94 1.65 1.50 1.71 2.24 2.16 1.95
Price to Revenue (P/Rev)		 0.81 0.99 1.28 1.35 1.27 1.32 1.42 1.47 1.41 1.18
Price to Earnings (P/E)		 10.25 14.14 18.52 19.38 13.32 15.46 12.03 24.10 16.68 28.74
Dividend Yield		 1.92% 1.57% 1.23% 1.26% 1.36% 1.48% 1.31% 1.32% 1.28% 1.53%
Earnings Yield		 9.76% 7.07% 5.40% 5.16% 7.51% 6.47% 8.31% 4.15% 6.00% 3.48%
Enterprise Value to Invested Capital (EV/IC)		 1.17 1.36 1.64 1.74 1.52 1.38 1.55 1.94 1.92 1.74
Enterprise Value to Revenue (EV/Rev)		 0.99 1.19 1.44 1.52 1.46 1.57 1.61 1.67 1.58 1.31
Enterprise Value to EBITDA (EV/EBITDA)		 7.14 9.52 11.21 15.16 9.78 12.54 9.65 18.22 13.57 21.62
Enterprise Value to EBIT (EV/EBIT)		 8.97 12.18 13.44 18.37 11.24 14.99 10.70 20.97 14.46 24.53
Enterprise Value to NOPAT (EV/NOPAT)		 12.58 16.91 20.85 21.74 15.32 18.44 13.39 26.13 18.15 30.58
Enterprise Value to Operating Cash Flow (EV/OCF)		 5.47 8.13 9.27 8.55 8.71 8.20 7.01 7.32 8.73 5.76
Enterprise Value to Free Cash Flow (EV/FCFF)		 74.80 0.00 0.00 39.03 0.00 0.00 26.43 8.62 0.00 169.60
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.28 0.29 0.26 0.25 0.25 0.20 0.17 0.20 0.17 0.16
Long-Term Debt to Equity		 0.23 0.29 0.26 0.25 0.25 0.20 0.17 0.20 0.17 0.16
Financial Leverage		 0.28 0.28 0.27 0.25 0.25 0.22 0.18 0.18 0.18 0.17
Leverage Ratio		 5.04 4.87 4.64 4.46 4.20 3.75 3.52 3.86 4.12 4.17
Compound Leverage Factor		 5.04 4.87 4.64 4.46 3.82 3.75 3.52 3.86 4.12 4.17
Debt to Total Capital		 21.73% 22.27% 20.40% 19.70% 20.05% 16.74% 14.50% 16.64% 14.57% 14.00%
Short-Term Debt to Total Capital		 3.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.37% 22.27% 20.40% 19.70% 20.05% 16.74% 14.50% 16.64% 14.57% 14.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 6.08% 5.73% 6.60% 5.78% 5.51%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 78.27% 77.73% 79.60% 80.30% 79.95% 77.18% 79.76% 76.76% 79.64% 80.49%
Debt to EBITDA		 1.33 1.56 1.40 1.71 1.29 1.52 0.90 1.56 1.03 1.73
Net Debt to EBITDA		 1.32 1.56 1.26 1.65 1.28 1.48 0.82 1.49 1.00 1.52
Long-Term Debt to EBITDA		 1.12 1.56 1.40 1.71 1.29 1.52 0.90 1.56 1.03 1.73
Debt to NOPAT		 2.34 2.77 2.60 2.46 2.03 2.24 1.25 2.24 1.38 2.45
Net Debt to NOPAT		 2.34 2.76 2.34 2.36 2.00 2.17 1.14 2.13 1.34 2.15
Long-Term Debt to NOPAT		 1.98 2.77 2.60 2.46 2.03 2.24 1.25 2.24 1.38 2.45
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 4.05% 6.99% 7.26% 7.30% 6.59%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 28 -25 -13 100 -243 -298 205 682 -61 37
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 2,823.99% 1,541.45% 2,511.08% 3,480.68% 3,083.93% 3,353.40% 3,569.91%
Free Cash Flow to Firm to Interest Expense		 1.24 -1.11 -0.54 4.08 -7.20 -9.65 7.01 23.63 -2.11 1.29
Operating Cash Flow to Interest Expense		 17.01 14.47 15.58 18.63 14.18 17.97 26.45 27.82 26.35 38.09
Operating Cash Flow Less CapEx to Interest Expense		 17.01 14.47 15.58 17.97 13.26 17.25 25.69 26.91 25.57 37.02
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.31 0.32 0.33 0.33 0.34 0.31 0.33 0.33 0.37 0.38
Fixed Asset Turnover		 33.72 33.44 36.63 39.65 39.91 37.28 41.94 42.43 50.17 54.74
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,786 1,970 2,152 2,231 2,746 3,290 3,489 3,032 3,458 3,628
Invested Capital Turnover		 1.23 1.20 1.19 1.17 1.14 0.96 0.99 1.08 1.30 1.36
Increase / (Decrease) in Invested Capital		 138 184 182 79 514 544 199 -457 426 170
Enterprise Value (EV)		 2,087 2,680 3,520 3,890 4,161 4,543 5,406 5,877 6,629 6,330
Market Capitalization		 1,700 2,242 3,126 3,468 3,618 3,808 4,745 5,197 5,938 5,685
Book Value per Share		 $24.44 $26.47 $29.34 $30.40 $36.95 $42.43 $46.29 $38.62 $45.46 $48.03
Tangible Book Value per Share		 $24.31 $26.33 $29.20 $30.26 $36.82 $42.30 $46.16 $38.49 $45.33 $47.90
Total Capital		 1,786 1,970 2,152 2,231 2,746 3,290 3,489 3,032 3,458 3,628
Total Debt		 388 439 439 440 551 551 506 505 504 508
Total Long-Term Debt		 328 439 439 440 551 551 506 505 504 508
Net Debt		 387 438 394 423 543 536 461 479 491 445
Capital Expenditures (CapEx)		 0.00 0.00 0.00 16 31 22 22 26 23 31
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 388 439 439 440 551 551 506 505 504 508
Total Depreciation and Amortization (D&A)		 60 62 52 45 55 59 55 42 30 35
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.90 $2.74 $2.89 $3.04 $0.00 $0.00 $6.55 $3.57 $5.87 $3.25
Adjusted Weighted Average Basic Shares Outstanding		 57.59M 58.20M 58.72M 58.95M 0.00 0.00 60.19M 60.34M 60.64M 60.81M
Adjusted Diluted Earnings per Share		 $2.85 $2.70 $2.84 $3.00 $0.00 $0.00 $6.50 $3.54 $5.84 $3.23
Adjusted Weighted Average Diluted Shares Outstanding		 57.59M 58.20M 58.72M 58.95M 0.00 0.00 60.19M 60.34M 60.64M 60.81M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 57.59M 58.20M 58.72M 58.95M 0.00 0.00 60.19M 60.34M 60.64M 60.81M
Normalized Net Operating Profit after Tax (NOPAT)		 186 184 192 200 297 267 426 250 390 235
Normalized NOPAT Margin		 8.82% 8.12% 7.86% 7.82% 10.42% 9.23% 12.73% 7.08% 9.27% 4.86%
Pre Tax Income Margin		 11.03% 9.73% 10.71% 8.27% 11.82% 10.48% 15.08% 7.94% 10.91% 5.34%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 10.38 9.66 10.76 8.67 10.99 9.82 17.33 9.71 15.92 8.94
NOPAT to Interest Expense		 7.40 6.96 6.93 7.33 8.07 7.99 13.85 7.80 12.68 7.17
EBIT Less CapEx to Interest Expense		 10.38 9.66 10.76 8.01 10.07 9.11 16.57 8.81 15.13 7.87
NOPAT Less CapEx to Interest Expense		 7.40 6.96 6.93 6.67 7.15 7.27 13.09 6.89 11.90 6.10
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 18.72% 21.30% 21.94% 23.53% 17.55% 22.12% 17.21% 33.85% 22.73% 45.47%
Augmented Payout Ratio		 21.24% 24.45% 25.51% 27.19% 20.56% 24.98% 19.45% 42.01% 24.90% 53.02%

Quarterly Metrics And Ratios for Selective Insurance Group

This table displays calculated financial ratios and metrics derived from Selective Insurance Group's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 3.50% 9.56% 18.33% 20.49% 20.96% 16.78% 16.63% 15.05% 15.19% 13.20% 10.18%
EBITDA Growth		 -38.62% -16.28% 49.60% 39.40% 82.75% 41.34% -9.75% -185.30% 5.08% -22.58% 32.57%
EBIT Growth		 -43.18% -12.99% 64.20% 48.60% 113.75% 45.68% -10.62% -208.01% 3.53% -24.14% 35.41%
NOPAT Growth		 -42.30% -12.60% 64.34% 48.30% 109.78% 44.31% -10.86% -195.67% 3.44% -23.48% 33.18%
Net Income Growth		 -42.30% -12.60% 64.34% 48.30% 109.78% 44.31% -10.86% -208.04% 3.44% -23.48% 33.18%
EPS Growth		 -44.07% -12.10% 66.29% 50.82% 115.15% 46.38% -11.49% -217.39% 3.52% -24.26% 34.35%
Operating Cash Flow Growth		 -3.54% 38.95% 46.49% 4.69% -5.50% -25.35% -15.88% 68.57% 69.41% 40.40% 148.66%
Free Cash Flow Firm Growth		 323.77% 641.45% 200.61% -104.51% -123.86% -155.46% -225.10% -1,712.18% -241.99% 75.38% -113.65%
Invested Capital Growth		 -14.32% -13.09% -3.36% 2.45% 7.38% 14.05% 10.60% 8.08% 16.74% 4.91% 18.58%
Revenue Q/Q Growth		 3.53% 6.43% 5.05% 4.09% 3.93% 2.76% 4.92% 2.68% 4.06% 0.98% 2.12%
EBITDA Q/Q Growth		 9.98% 78.08% 6.89% -33.41% 44.18% 37.73% -31.75% -162.94% 277.61% 1.48% 16.87%
EBIT Q/Q Growth		 5.48% 104.70% 6.50% -35.38% 51.73% 39.52% -34.66% -178.09% 245.43% 2.23% 16.63%
NOPAT Q/Q Growth		 7.60% 103.44% 7.01% -36.69% 52.21% 39.95% -33.91% -167.95% 264.58% 3.53% 15.03%
Net Income Q/Q Growth		 7.60% 103.44% 7.01% -36.69% 52.21% 39.95% -33.91% -176.73% 245.74% 3.53% 15.03%
EPS Q/Q Growth		 8.20% 109.09% 7.25% -37.84% 54.35% 42.25% -35.15% -182.44% 236.11% 4.08% 15.03%
Operating Cash Flow Q/Q Growth		 60.45% 31.00% -57.17% 16.28% 44.83% 3.47% -51.73% 133.03% 45.56% -14.25% -14.51%
Free Cash Flow Firm Q/Q Growth		 39.27% 1.95% -62.66% -108.50% -637.07% -136.97% 15.77% -23.18% -39.10% 82.94% -631.03%
Invested Capital Q/Q Growth		 -5.37% 3.39% 4.66% 0.05% -0.82% 9.82% 1.49% -2.23% 7.13% -1.31% 14.71%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 7.32% 12.25% 12.46% 7.97% 11.06% 14.82% 9.64% -5.91% 10.09% 10.14% 11.60%
EBIT Margin		 5.93% 11.40% 11.56% 7.18% 10.48% 14.23% 8.86% -6.74% 9.42% 9.53% 10.89%
Profit (Net Income) Margin		 4.79% 9.16% 9.33% 5.67% 8.31% 11.31% 7.13% -5.33% 7.46% 7.65% 8.62%
Tax Burden Percent		 80.79% 80.29% 80.67% 79.03% 79.28% 79.53% 80.45% 79.05% 79.22% 80.23% 79.13%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.21% 19.71% 19.33% 20.97% 20.72% 20.47% 19.55% 0.00% 20.78% 19.77% 20.87%
Return on Invested Capital (ROIC)		 5.20% 9.91% 10.64% 6.98% 11.05% 14.65% 9.32% -6.46% 10.25% 10.43% 11.12%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.20% 9.91% 10.64% 6.98% 11.05% 14.65% 9.32% -7.89% 10.25% 10.43% 11.12%
Return on Net Nonoperating Assets (RNNOA)		 0.98% 1.82% 1.97% 1.34% 2.20% 2.70% 1.65% -1.43% 1.79% 1.74% 2.50%
Return on Equity (ROE)		 6.17% 11.73% 12.61% 8.31% 13.25% 17.35% 10.97% -7.89% 12.03% 12.17% 13.62%
Cash Return on Invested Capital (CROIC)		 22.90% 20.90% 11.50% 6.51% 3.64% -1.88% 0.57% -0.70% -8.52% 1.05% -10.89%
Operating Return on Assets (OROA)		 1.95% 3.79% 3.99% 2.57% 3.86% 5.29% 3.35% -2.56% 3.54% 3.64% 4.11%
Return on Assets (ROA)		 1.58% 3.04% 3.22% 2.03% 3.06% 4.21% 2.70% -2.03% 2.81% 2.92% 3.25%
Return on Common Equity (ROCE)		 5.71% 10.88% 11.68% 7.68% 12.20% 16.08% 10.20% -7.32% 11.20% 11.37% 12.75%
Return on Equity Simple (ROE_SIMPLE)		 9.78% 0.00% 9.78% 10.49% 12.36% 0.00% 11.81% 7.98% 7.46% 0.00% 7.19%
Net Operating Profit after Tax (NOPAT)		 43 87 93 59 89 125 83 -56 92 96 110
NOPAT Margin		 4.79% 9.16% 9.33% 5.67% 8.31% 11.31% 7.13% -4.72% 7.46% 7.65% 8.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.43% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 94.07% 88.60% 88.44% 92.82% 89.52% 85.77% 91.14% 106.74% 90.58% 90.47% 89.11%
Earnings before Interest and Taxes (EBIT)		 53 108 115 74 113 157 103 -80 116 119 139
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 65 116 124 82 119 164 112 -70 125 127 148
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 2.15 2.23 2.28 2.31 2.52 2.16 2.34 2.09 1.91 1.95 1.82
Price to Tangible Book Value (P/TBV)		 2.15 2.24 2.29 2.32 2.53 2.16 2.35 2.09 1.92 1.95 1.82
Price to Revenue (P/Rev)		 1.39 1.47 1.53 1.48 1.52 1.41 1.50 1.26 1.21 1.18 1.12
Price to Earnings (P/E)		 20.96 24.10 22.37 21.04 19.38 16.68 18.97 25.36 24.99 28.74 24.72
Dividend Yield		 1.41% 1.32% 1.24% 1.25% 1.18% 1.28% 1.20% 1.44% 1.50% 1.53% 1.59%
Earnings Yield		 4.77% 4.15% 4.47% 4.75% 5.16% 6.00% 5.27% 3.94% 4.00% 3.48% 4.05%
Enterprise Value to Invested Capital (EV/IC)		 1.87 1.94 1.99 2.01 2.18 1.92 2.07 1.86 1.73 1.74 1.58
Enterprise Value to Revenue (EV/Rev)		 1.59 1.67 1.71 1.65 1.69 1.58 1.66 1.41 1.36 1.31 1.33
Enterprise Value to EBITDA (EV/EBITDA)		 15.88 18.22 17.34 16.51 15.55 13.57 15.23 19.70 19.32 21.62 19.93
Enterprise Value to EBIT (EV/EBIT)		 18.49 20.97 19.39 18.28 16.74 14.46 16.26 21.85 21.53 24.53 22.29
Enterprise Value to NOPAT (EV/NOPAT)		 23.08 26.13 24.14 22.79 20.95 18.15 20.43 27.35 26.96 30.58 27.99
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.68 7.32 7.46 7.49 8.16 8.73 9.84 7.54 6.34 5.76 5.17
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.53 8.62 16.97 31.25 61.95 0.00 383.14 0.00 0.00 169.60 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.21 0.20 0.19 0.19 0.19 0.17 0.17 0.17 0.16 0.16 0.28
Long-Term Debt to Equity		 0.21 0.20 0.19 0.19 0.19 0.17 0.17 0.17 0.16 0.16 0.28
Financial Leverage		 0.19 0.18 0.19 0.19 0.20 0.18 0.18 0.18 0.17 0.17 0.22
Leverage Ratio		 3.92 3.86 3.91 4.09 4.33 4.12 4.06 4.25 4.28 4.17 4.19
Compound Leverage Factor		 3.92 3.86 3.91 4.09 4.33 4.12 4.06 4.25 4.28 4.17 4.19
Debt to Total Capital		 17.22% 16.64% 15.89% 15.86% 16.02% 14.57% 14.34% 14.83% 13.83% 14.00% 21.70%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.22% 16.64% 15.89% 15.86% 16.02% 14.57% 14.34% 14.83% 13.83% 14.00% 21.70%
Preferred Equity to Total Capital		 6.82% 6.60% 6.30% 6.30% 6.35% 5.78% 5.70% 5.83% 5.44% 5.51% 4.81%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 75.96% 76.76% 77.81% 77.84% 77.63% 79.64% 79.96% 79.34% 80.73% 80.49% 73.49%
Debt to EBITDA		 1.46 1.56 1.39 1.30 1.15 1.03 1.06 1.57 1.54 1.73 2.74
Net Debt to EBITDA		 1.44 1.49 1.29 1.25 1.11 1.00 1.03 1.54 1.50 1.52 2.41
Long-Term Debt to EBITDA		 1.46 1.56 1.39 1.30 1.15 1.03 1.06 1.57 1.54 1.73 2.74
Debt to NOPAT		 2.13 2.24 1.93 1.80 1.54 1.38 1.42 2.18 2.15 2.45 3.85
Net Debt to NOPAT		 2.09 2.13 1.79 1.72 1.50 1.34 1.38 2.13 2.10 2.15 3.39
Long-Term Debt to NOPAT		 2.13 2.24 1.93 1.80 1.54 1.38 1.42 2.18 2.15 2.45 3.85
Noncontrolling Interest Sharing Ratio		 7.48% 7.26% 7.34% 7.60% 7.89% 7.30% 7.05% 7.15% 6.88% 6.59% 6.38%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 533 543 203 -17 -127 -301 -254 -313 -435 -74 -542
Operating Cash Flow to CapEx		 3,160.00% 7,438.75% 2,464.05% 3,908.81% 4,385.50% 3,007.14% 1,842.33% 3,441.48% 4,118.73% 4,445.14% 2,182.33%
Free Cash Flow to Firm to Interest Expense		 74.22 74.95 28.30 -2.38 -17.69 -41.90 -35.33 -43.40 -59.97 -10.23 -56.63
Operating Cash Flow to Interest Expense		 33.70 43.73 18.95 21.75 31.82 32.91 15.90 36.95 53.43 45.85 29.67
Operating Cash Flow Less CapEx to Interest Expense		 32.64 43.14 18.18 21.20 31.09 31.82 15.04 35.88 52.13 44.82 28.31
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.33 0.33 0.35 0.36 0.37 0.37 0.38 0.38 0.38 0.38 0.38
Fixed Asset Turnover		 42.99 42.43 44.23 46.88 48.53 50.17 52.61 53.08 54.01 54.74 54.16
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,933 3,032 3,174 3,175 3,149 3,458 3,510 3,431 3,676 3,628 4,162
Invested Capital Turnover		 1.08 1.08 1.14 1.23 1.33 1.30 1.31 1.37 1.37 1.36 1.29
Increase / (Decrease) in Invested Capital		 -490 -457 -110 76 216 426 336 256 527 170 652
Enterprise Value (EV)		 5,477 5,877 6,304 6,386 6,850 6,629 7,255 6,379 6,371 6,330 6,561
Market Capitalization		 4,781 5,197 5,636 5,703 6,159 5,938 6,564 5,681 5,676 5,685 5,566
Book Value per Share		 $36.92 $38.62 $40.93 $40.85 $40.36 $45.46 $46.17 $44.79 $48.79 $48.03 $50.30
Tangible Book Value per Share		 $36.79 $38.49 $40.80 $40.72 $40.23 $45.33 $46.04 $44.66 $48.66 $47.90 $50.17
Total Capital		 2,933 3,032 3,174 3,175 3,149 3,458 3,510 3,431 3,676 3,628 4,162
Total Debt		 505 505 504 504 505 504 503 509 508 508 903
Total Long-Term Debt		 505 505 504 504 505 504 503 509 508 508 903
Net Debt		 496 479 468 482 491 491 491 498 496 445 795
Capital Expenditures (CapEx)		 7.66 4.26 5.51 4.04 5.21 7.87 6.20 7.73 9.41 7.47 13
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7.25 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 505 505 504 504 505 504 503 509 508 508 903
Total Depreciation and Amortization (D&A)		 12 7.99 8.96 8.22 6.25 6.61 9.08 9.83 8.31 7.57 9.13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.67 $1.39 $1.49 $0.93 $1.43 $2.02 $1.32 ($1.08) $1.48 $1.53 $1.77
Adjusted Weighted Average Basic Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Adjusted Diluted Earnings per Share		 $0.66 $1.38 $1.48 $0.92 $1.42 $2.02 $1.31 ($1.08) $1.47 $1.53 $1.76
Adjusted Weighted Average Diluted Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 60.28M 60.34M 60.49M 60.57M 60.59M 60.64M 60.79M 60.83M 60.79M 60.81M 60.77M
Normalized Net Operating Profit after Tax (NOPAT)		 47 92 102 66 94 128 95 -50 96 100 124
Normalized NOPAT Margin		 5.29% 9.72% 10.31% 6.39% 8.74% 11.56% 8.20% -4.18% 7.76% 7.99% 9.74%
Pre Tax Income Margin		 5.93% 11.40% 11.56% 7.18% 10.48% 14.23% 8.86% -6.74% 9.42% 9.53% 10.89%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.33 14.87 16.01 10.22 15.66 21.84 14.28 -11.12 16.07 16.44 14.51
NOPAT to Interest Expense		 5.92 11.94 12.92 8.08 12.41 17.37 11.49 -7.79 12.73 13.19 11.48
EBIT Less CapEx to Interest Expense		 6.27 14.28 15.25 9.66 14.93 20.74 13.42 -12.20 14.77 15.40 13.15
NOPAT Less CapEx to Interest Expense		 4.86 11.35 12.15 7.52 11.69 16.27 10.63 -8.86 11.43 12.15 10.12
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.55% 33.85% 29.63% 28.06% 24.45% 22.73% 24.25% 38.25% 39.04% 45.47% 40.80%
Augmented Payout Ratio		 39.20% 42.01% 37.36% 32.97% 26.92% 24.90% 26.27% 41.31% 45.67% 53.02% 55.35%

Key Financial Trends

Selective Insurance Group (NASDAQ: SIGI) has demonstrated overall financial growth across multiple key areas over the past four years through Q1 2025. Here is a summary of the main financial trends and notable points based on the company's quarterly reports:

  • Net income attributable to common shareholders increased substantially, reaching approximately $108 million in Q1 2025, compared to $57 million in Q2 2024 and showing steady upward momentum since 2022.
  • Earnings per share also showed improvement, with Q1 2025 diluted EPS at $1.76 compared to a loss of -$1.08 in Q2 2024, reflecting a strong recovery and profitability growth.
  • Premiums earned, a core revenue driver for insurance companies, rose consistently, hitting nearly $1.16 billion in Q1 2025 compared to about $872 million in Q4 2022, indicating growing business volume.
  • Net realized and unrealized capital gains on investments increased significantly to $120.9 million in Q1 2025, supporting higher non-interest income compared to roughly $75 million in Q4 2022, enhancing overall revenue quality.
  • Operating cash flow remains robust with net cash from continuing operations of approximately $284 million in Q1 2025, sustaining strong liquidity and operational health.
  • Total assets increased year-over-year, reaching nearly $14.2 billion in Q1 2025 from $12.6 billion in Q2 2024, primarily due to growth in investment securities and unearned premium assets, supporting business expansion.
  • Selective's long-term debt rose to about $903 million in Q1 2025 from roughly $509 million in Q2 2024, reflecting increased leverage which could amplify returns but also financial risk.
  • The company continues to pay steady dividends, with a cash dividend per common share of $0.38 in Q1 2025, up slightly from $0.35 most quarters in 2024 and $0.30 in 2023, providing shareholder returns while retaining capital.
  • Total non-interest expenses including claims, amortization, and acquisition costs have increased alongside revenue, reaching $1.14 billion in Q1 2025, up from $837 million in Q4 2022, pressuring operating margins.
  • A notable loss was recorded in Q2 2024 of approximately $65.6 million attributable to common shareholders, indicating some volatility and risk in insurance claim or investment experience during that period;

In summary, Selective Insurance Group has shown strong revenue growth, driven by rising premiums and investment income, coupled with solid profitability and cash flow generation in recent quarters. However, rising expenses and increased debt levels suggest monitoring for cost control and financial leverage risk going forward. The Q2 2024 loss quarter appears as an isolated setback amid an otherwise improving trend for earnings and shareholder returns.

08/29/25 12:45 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Selective Insurance Group's Financials

When does Selective Insurance Group's financial year end?

According to the most recent income statement we have on file, Selective Insurance Group's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Selective Insurance Group's net income changed over the last 9 years?

Selective Insurance Group's net income appears to be on an upward trend, with a most recent value of $207.01 million in 2024, rising from $165.86 million in 2015. The previous period was $365.24 million in 2023.

How has Selective Insurance Group's revenue changed over the last 9 years?

Over the last 9 years, Selective Insurance Group's total revenue changed from $2.11 billion in 2015 to $4.83 billion in 2024, a change of 129.1%.

How much debt does Selective Insurance Group have?

Selective Insurance Group's total liabilities were at $10.39 billion at the end of 2024, a 17.5% increase from 2023, and a 88.8% increase since 2015.

How much cash does Selective Insurance Group have?

In the past 9 years, Selective Insurance Group's cash and equivalents has ranged from $26 thousand in 2022 to $898 thousand in 2015, and is currently $91 thousand as of their latest financial filing in 2024.

How has Selective Insurance Group's book value per share changed over the last 9 years?

Over the last 9 years, Selective Insurance Group's book value per share changed from 24.44 in 2015 to 48.03 in 2024, a change of 96.5%.


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This page (NASDAQ:SIGIP) was last updated on 8/28/2025 by MarketBeat.com Staff
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