Selective Insurance Group (SIGIP) Financials

$16.92 -0.04 (-0.21%)

As of 05/23/2025 04:00 PM Eastern

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

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

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

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

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

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

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

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

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

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

Frequently Asked Questions About Selective Insurance Group's Financials

When does Selective Insurance Group's fiscal year end?

According to the most recent income statement we have on file, Selective Insurance Group's financial year ends in December. Their financial 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 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 5/24/2025 by MarketBeat.com Staff

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Selective Insurance Group (SIGIP) Financials

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Selective Insurance Group (SIGIP) Financials

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