Selective Insurance Financials

SIGI Stock  USD 88.60  1.50  1.66%   
Based on the measurements of operating efficiency obtained from Selective Insurance's historical financial statements, Selective Insurance Group may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. As of now, Selective Insurance's Net Debt is increasing as compared to previous years. The Selective Insurance's current Retained Earnings is estimated to increase to about 3.7 B, while Other Stockholder Equity is projected to decrease to (159.7 M).
 
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Selective Insurance Balance Sheet Chart

As of now, Selective Insurance's Net Debt is increasing as compared to previous years. The Selective Insurance's current Retained Earnings is estimated to increase to about 3.7 B, while Other Stockholder Equity is projected to decrease to (159.7 M).
Key indicators impacting Selective Insurance's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.350.2489
Significantly Up
Slightly volatile
Current Ratio615585
Sufficiently Up
Slightly volatile
The essential information of the day-to-day investment outlook for Selective Insurance includes many different criteria found on its balance sheet. An individual investor should research Selective Insurance's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Selective Insurance.

Net Income

115.2 Million

  
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Selective Insurance Stock Summary

Selective Insurance competes with Mercury General, Lemonade, White Mountains, Radian, and RLI Corp. Selective Insurance Group, Inc., together with its subsidiaries, provides insurance products and services in the United States. Selective Insurance Group, Inc. was founded in 1926 and is headquartered in Branchville, New Jersey. Selective Ins operates under InsuranceProperty Casualty classification in the United States and is traded on NASDAQ Exchange. It employs 2440 people.
Specialization
Financial Services, Insurance - Property & Casualty
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8163001071
Business Address40 Wantage Avenue,
SectorInsurance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.selective.com
Phone973 948 3000
CurrencyUSD - US Dollar

Selective Insurance Key Financial Ratios

Selective Insurance Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets10.5B10.8B11.8B13.5B15.2B15.9B
Net Debt500.1M500.9M506.4M507.8M898M942.9M
Retained Earnings2.6B2.7B3.0B3.1B3.5B3.7B
Other Assets772.0K3.5M11.8B13.5B4.1B4.3B
Total Liab7.5B8.3B8.8B10.4B11.5B12.1B
Other Current Liab111.5M105.4M(6.3M)(19.7M)16.9M16.1M
Net Receivables1.6B1.9B2.0B2.5B1.5B900.5M
Total Current Assets455K26K180K268.6M11.0B11.5B
Short Term Debt9.6M9.8M10.6M12.6M11.4M10.8M
Intangible Assets326.9M368.6M424.9M479.3M492.3M516.9M
Cash394K455K26K180K91K285K
Inventory(3.2B)(3.6B)(3.8B)(4.2B)(3.8B)(3.6B)
Other Current Assets2.0B1.9B(9.8B)(3.6B)(3.3B)(3.1B)
Common Stock208.9M209.7M210.4M211.2M212M178.1M
Other Liab304.0M390.7M467.2M472.7M543.6M290.5M
Long Term Debt500.6M501M501.3M501.7M576.9M396.0M
Treasury Stock(592.8M)(599.9M)(608.9M)(627.3M)(564.6M)(592.8M)
Accounts Payable129.7M128.9M4.6B115.2M132.5M125.8M
Net Tangible Assets2.2B2.5B2.8B2.3B2.7B1.9B
Long Term Debt Total550.6M550.7M506.1M504.7M580.4M472.9M
Capital Surpluse418.5M439.0M464.3M493.5M567.5M399.3M

Selective Insurance Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense29.2M28.8M28.8M28.9M33.2M17.4M
Total Revenue3.4B3.6B4.2B4.9B5.3B5.6B
Gross Profit562.8M340.3M518.1M321.3M5.3B5.6B
Operating Income505.3M280.2M458.4M258.0M5.3B5.6B
Ebit534.5M309.0M487.2M286.9M329.9M346.4M
Ebitda589.6M351.4M517.3M321.7M370.0M388.5M
Income Before Tax505.3M280.2M458.4M258.0M589.6M619.1M
Net Income403.8M224.9M365.2M207.0M107.4M115.2M
Income Tax Expense101.5M55.3M93.2M51.0M123.2M129.4M
Cost Of Revenue2.8B3.2B3.7B4.5B5.2B5.5B
Tax Provision101.5M55.3M82.3M51.0M58.7M73.2M
Net Interest Income(29.2M)(28.8M)(28.9M)(28.9M)(26.0M)(27.3M)

Selective Insurance Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash29.8M(19.9M)(11.9M)49.8M(63.0M)(59.9M)
Free Cash Flow749.3M776.4M736.3M1.1B1.2B1.3B
Depreciation55.1M42.3M30.0M34.8M40.0M29.6M
Other Non Cash Items(84.5M)145.2M2.5M2.3M(466.4M)(443.1M)
Dividends Paid69.5M76.1M(83.0M)(94.1M)(108.3M)(102.8M)
Capital Expenditures22.1M22.2M26.0M22.6M30.8M0.0
Net Income403.8M224.9M365.2M207.0M466.4M489.7M
End Period Cash Flow45.1M25.2M13.3M63.0M56.7M59.6M
Change To Netincome(5.3M)8.1M(71.5M)120.5M108.4M55.9M
Investments(557.0M)(803.9M)(753.6M)(947.4M)(852.6M)(810.0M)
Net Borrowings(50M)(60M)(2.7M)(2.6M)(2.4M)(2.5M)
Change Receivables(56.6M)(13.3M)(112.4M)(151.4M)(136.3M)(129.5M)

Selective Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Selective Insurance's current stock value. Our valuation model uses many indicators to compare Selective Insurance value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Selective Insurance competition to find correlations between indicators driving Selective Insurance's intrinsic value. More Info.
Selective Insurance Group is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.20  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Selective Insurance Group is roughly  4.97 . As of now, Selective Insurance's Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Selective Insurance's earnings, one of the primary drivers of an investment's value.
Most indicators from Selective Insurance's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Selective Insurance current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Selective Insurance Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
As of now, Selective Insurance's Tax Provision is decreasing as compared to previous years. The Selective Insurance's current Sales General And Administrative To Revenue is estimated to increase to 0.01, while Discontinued Operations is projected to decrease to (3.6 M).
 2023 2024 2025 2026 (projected)
Total Revenue4.2B4.9B5.3B5.6B
Interest Expense28.8M28.9M33.2M17.4M

Selective Insurance fundamental ratios Correlations

0.880.970.90.990.340.910.690.111.0-0.070.310.670.0-0.250.580.750.66-0.170.96-0.310.720.310.580.55-0.8
0.880.870.980.850.050.820.830.040.88-0.08-0.010.56-0.04-0.020.260.630.83-0.140.83-0.230.750.460.470.64-0.64
0.970.870.890.990.260.940.720.230.95-0.070.260.750.12-0.170.530.780.6-0.180.95-0.330.680.290.520.46-0.88
0.90.980.890.880.120.840.820.120.9-0.040.030.54-0.09-0.10.250.610.86-0.130.85-0.280.80.490.420.63-0.68
0.990.850.990.880.330.940.720.210.97-0.070.290.720.1-0.220.570.780.6-0.190.97-0.320.70.280.550.49-0.87
0.340.050.260.120.330.13-0.10.150.37-0.110.55-0.11-0.34-0.820.270.050.18-0.140.330.20.450.10.050.37-0.18
0.910.820.940.840.940.130.770.240.890.050.230.740.290.010.540.790.5-0.090.94-0.310.570.320.490.41-0.84
0.690.830.720.820.72-0.10.770.070.670.03-0.370.560.380.260.140.630.63-0.070.71-0.130.670.340.410.62-0.56
0.110.040.230.120.210.150.240.070.06-0.080.260.18-0.03-0.24-0.010.00.12-0.220.27-0.090.240.25-0.56-0.08-0.48
1.00.880.950.90.970.370.890.670.06-0.070.320.62-0.04-0.270.580.730.67-0.170.95-0.30.720.310.60.58-0.76
-0.07-0.08-0.07-0.04-0.07-0.110.050.03-0.08-0.07-0.06-0.080.150.210.010.01-0.10.96-0.05-0.08-0.13-0.080.070.160.24
0.31-0.010.260.030.290.550.23-0.370.260.32-0.060.15-0.3-0.50.540.21-0.1-0.10.35-0.08-0.06-0.10.11-0.17-0.31
0.670.560.750.540.72-0.110.740.560.180.62-0.080.150.510.280.620.890.13-0.150.68-0.270.15-0.210.6-0.02-0.77
0.0-0.040.12-0.090.1-0.340.290.38-0.03-0.040.15-0.30.510.580.290.49-0.470.110.12-0.02-0.25-0.40.36-0.18-0.23
-0.25-0.02-0.17-0.1-0.22-0.820.010.26-0.24-0.270.21-0.50.280.58-0.140.15-0.240.21-0.20.11-0.5-0.190.14-0.30.18
0.580.260.530.250.570.270.540.14-0.010.580.010.540.620.29-0.140.72-0.11-0.040.64-0.250.08-0.370.660.09-0.55
0.750.630.780.610.780.050.790.630.00.730.010.210.890.490.150.720.19-0.070.77-0.250.29-0.280.80.21-0.7
0.660.830.60.860.60.180.50.630.120.67-0.1-0.10.13-0.47-0.24-0.110.19-0.160.58-0.120.850.660.080.73-0.36
-0.17-0.14-0.18-0.13-0.19-0.14-0.09-0.07-0.22-0.170.96-0.1-0.150.110.21-0.04-0.07-0.16-0.17-0.04-0.21-0.130.080.150.37
0.960.830.950.850.970.330.940.710.270.95-0.050.350.680.12-0.20.640.770.58-0.17-0.270.690.280.50.54-0.83
-0.31-0.23-0.33-0.28-0.320.2-0.31-0.13-0.09-0.3-0.08-0.08-0.27-0.020.11-0.25-0.25-0.12-0.04-0.27-0.16-0.03-0.20.020.34
0.720.750.680.80.70.450.570.670.240.72-0.13-0.060.15-0.25-0.50.080.290.85-0.210.69-0.160.550.130.83-0.51
0.310.460.290.490.280.10.320.340.250.31-0.08-0.1-0.21-0.4-0.19-0.37-0.280.66-0.130.28-0.030.55-0.410.43-0.15
0.580.470.520.420.550.050.490.41-0.560.60.070.110.60.360.140.660.80.080.080.5-0.20.13-0.410.23-0.34
0.550.640.460.630.490.370.410.62-0.080.580.16-0.17-0.02-0.18-0.30.090.210.730.150.540.020.830.430.23-0.16
-0.8-0.64-0.88-0.68-0.87-0.18-0.84-0.56-0.48-0.760.24-0.31-0.77-0.230.18-0.55-0.7-0.360.37-0.830.34-0.51-0.15-0.34-0.16
Click cells to compare fundamentals

Selective Insurance Account Relationship Matchups

Selective Insurance fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets10.5B10.8B11.8B13.5B15.2B15.9B
Net Debt500.1M500.9M506.4M507.8M898M942.9M
Retained Earnings2.6B2.7B3.0B3.1B3.5B3.7B
Other Assets772.0K3.5M11.8B13.5B4.1B4.3B
Total Liab7.5B8.3B8.8B10.4B11.5B12.1B
Other Current Liab111.5M105.4M(6.3M)(19.7M)16.9M16.1M
Net Receivables1.6B1.9B2.0B2.5B1.5B900.5M
Total Current Assets455K26K180K268.6M11.0B11.5B
Short Term Debt9.6M9.8M10.6M12.6M11.4M10.8M
Intangible Assets326.9M368.6M424.9M479.3M492.3M516.9M
Cash394K455K26K180K91K285K
Inventory(3.2B)(3.6B)(3.8B)(4.2B)(3.8B)(3.6B)
Other Current Assets2.0B1.9B(9.8B)(3.6B)(3.3B)(3.1B)
Common Stock208.9M209.7M210.4M211.2M212M178.1M
Other Liab304.0M390.7M467.2M472.7M543.6M290.5M
Long Term Debt500.6M501M501.3M501.7M576.9M396.0M
Treasury Stock(592.8M)(599.9M)(608.9M)(627.3M)(564.6M)(592.8M)
Accounts Payable129.7M128.9M4.6B115.2M132.5M125.8M
Net Tangible Assets2.2B2.5B2.8B2.3B2.7B1.9B
Long Term Debt Total550.6M550.7M506.1M504.7M580.4M472.9M
Capital Surpluse418.5M439.0M464.3M493.5M567.5M399.3M

Selective Insurance Thematic Clasifications

Selective Insurance Group is part of Insurance Providers investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All types of insurance and insurance brokerages. Companies providing all types of insurance and insurance services
Insurance ProvidersView
This theme covers All types of insurance and insurance brokerages. Companies providing all types of insurance and insurance services. Get More Thematic Ideas
Today, most investors in Selective Insurance Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Selective Insurance's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Selective Insurance growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.38

As of now, Selective Insurance's Price Earnings To Growth Ratio is decreasing as compared to previous years.

Selective Insurance February 10, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Selective Insurance help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Selective Insurance Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of Selective Insurance Group based on widely used predictive technical indicators. In general, we focus on analyzing Selective Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Selective Insurance's daily price indicators and compare them against related drivers.

Complementary Tools for Selective Stock analysis

When running Selective Insurance's price analysis, check to measure Selective Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Selective Insurance is operating at the current time. Most of Selective Insurance's value examination focuses on studying past and present price action to predict the probability of Selective Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Selective Insurance's price. Additionally, you may evaluate how the addition of Selective Insurance to your portfolios can decrease your overall portfolio volatility.
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