SIGI FY 2025 Earnings Report — Selective Insurance Group, Inc. Revenue & Financial Results | Market Cap Arena

Selective Insurance Group, Inc.SIGI

FY 2025 Earnings

Reported February 9, 2026

Quarter Comparison

Revenue

Operating Income

Gross Margin

Net Margin

EPS (Diluted)

Free Cash Flow

Metric	FY 2025	Prior Q	FY 2024	QoQ Change	YoY Change
Revenue	$5.3B	—	$4.9B	—	9.8%
Op. Income	$590M	—	$258M	—	128.5%
Gross Margin	40.9%	—	6.6%	—	34.2pp
Net Margin	8.7%	—	4.3%	—	4.5pp
EPS (Diluted)	$7.48	—	$3.23	—	131.6%
Free Cash Flow	$1.2B	—	$1.1B	—	15.4%

Revenue Flow

Item	Amount
REVENUE	$5.3B
Cost of Revenue	$3.2B
GROSS PROFIT	$2.2B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$36M
SG&A Expenses	$36M
Other Expenses	$1.6B
Operating Expenses	$1.6B
Cost & Expenses	$4.7B
OPERATING INCOME	$590M
Interest Income	$0
Interest Expense	$49M
Other Income/Expenses	$0
INCOME BEFORE TAX	$590M
Income Tax Expense	$123M
Net Income from Continuing Ops	$466M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$466M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$457M
D&A	$33M
EBIT	$639M
EBITDA	$672M
EPS	$7
EPS Diluted	$7

Income Statement

Item	Amount
REVENUE	$5.3B
Cost of Revenue	$3.2B
GROSS PROFIT	$2.2B
R&D Expenses	$0
Selling & Marketing	$0
General & Administrative	$36M
SG&A Expenses	$36M
Other Expenses	$1.6B
Operating Expenses	$1.6B
Cost & Expenses	$4.7B
OPERATING INCOME	$590M
Interest Income	$0
Interest Expense	$49M
Other Income/Expenses	$0
INCOME BEFORE TAX	$590M
Income Tax Expense	$123M
Net Income from Continuing Ops	$466M
Net Income from Discontinued Ops	$0
Other Adjustments	$0
NET INCOME	$466M
Net Income Deductions	$0
BOTTOM LINE NET INCOME	$457M
D&A	$33M
EBIT	$639M
EBITDA	$672M
EPS	$7
EPS Diluted	$7

Cash Flow Statement

Item	Amount
Net Income	$466M
Depreciation & Amortization	$33M
Stock-Based Compensation	$0
Deferred Income Tax	$0
Other Non-Cash Items	$58M
Change in Working Capital	$715M
OPERATING CASH FLOW	$1.3B
Capital Expenditure	-$39M
Acquisitions (Net)	$0
Purchases of Investments	-$17.0B
Sales/Maturities of Investments	$15.5B
Other Investing Activities	$0
NET CASH FROM INVESTING	-$1.5B
Net Debt Issuance	$393M
Common Stock Repurchased	-$93M
Common Dividends Paid	-$93M
Other Financing Activities	$0
NET CASH FROM FINANCING	$207M
FREE CASH FLOW	$1.2B
Net Change in Cash	-$45M

Balance Sheet

Item	Amount
Cash & Equivalents	$346.0K
Short-Term Investments	$1.2B
Net Receivables	$1.5B
Inventory	$0
Other Current Assets	$8.2B
TOTAL CURRENT ASSETS	$11.0B
PP&E (Net)	$106M
Goodwill	$8M
Intangible Assets	$492M
Long-Term Investments	$10.1B
Tax Assets	$0
Other Non-Current Assets	-$10.6B
TOTAL NON-CURRENT ASSETS	$114M
TOTAL ASSETS	$15.2B
Account Payables	$0
Short-Term Debt	$0
Deferred Revenue	$0
Other Current Liabilities	-$124M
TOTAL CURRENT LIABILITIES	$17M
Long-Term Debt	$898M
Deferred Revenue NC	$0
Deferred Tax Liabilities	$0
Other Non-Current Liabilities	$10.5B
TOTAL NON-CURRENT LIABILITIES	$11.5B
TOTAL LIABILITIES	$11.5B
Common Stock	$212M
Additional Paid-In Capital	$591M
Retained Earnings	$3.5B
Treasury Stock	-$743M
Accum. Other Comp. Income	-$152M
Other Equity	$0
TOTAL STOCKHOLDERS' EQUITY	$3.6B
Minority Interest	$0
TOTAL EQUITY	$3.6B
TOTAL LIABILITIES & EQUITY	$15.2B
Total Debt	$898M
Net Debt	$898M