SELECTIVE INSURANCE GROUP INC(SIGI)Stock Analysis
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Rank #406 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
SIGI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for SELECTIVE INSURANCE GROUP INC (SIGI), a Financials sector company. 13F Pro's AI-powered ranking engine scores SIGI at 68.7/100 on a 32-signal composite quality model, placing it at rank #406 of 2,879 stocks — the top 25% of the AI-ranked universe. SIGI scores in the top quartile across free cash flow (81.0), revenue scale (78.6). Areas of concern include institutional flow (22.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), SELECTIVE INSURANCE GROUP INC reports quarterly revenue of $1.4B, net income of $155.2M, an operating margin of 14.4%. Top institutional holders of SIGI by reported 13-F value include BlackRock,, AQR CAPITAL MANAGEMENT, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. SIGI trades on the Nasdaq exchange and files with the SEC under CIK 230557. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SIGI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SELECTIVE INSURANCE GROUP INC directly from SEC EDGAR. SELECTIVE INSURANCE GROUP INC's 13F Pro composite quality score has ranged between 47 and 69 since 2021, currently 68.7 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
What's Driving SIGI's Business? Latest 10-Q Breakdown
✓ 27/27 datapoints verifiedAI-extracted from SELECTIVE INSURANCE GROUP INC's 10-Q filed 2026-04-24 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q1 2026 net income of $97.7M and operating ROE of 12.0%, with combined ratio of 98.3% driven by higher catastrophe losses and casualty costs.
Biggest Revenue Drivers
Total revenue: $1,358.9M+6% YoY
Growth driven by earnings of premiums written in 2025 despite modest NPW decline in Q1 2026.
Within Net premiums earned
Net premiums earned; segment NPW decreased 1% reflecting underwriting actions for profitability.
Net premiums earned; NPW decreased 6% due to lower new business and competitive market conditions.
Net premiums earned; NPW grew 1% as increased competition moderated growth rate.
Increase primarily driven by active portfolio management and operating cash flow deployment.
Largest Expense Items
Increase driven by higher net catastrophe losses (74% increase) and current year casualty loss costs (8% increase) due to elevated social inflation assumptions.
Proportional increase related to higher net premiums earned.
Includes commissions to distribution partners, salaries and benefits, and other underwriting expenses.
Increase due to additional senior notes issued in February 2025.
Margins: Combined ratio increased 2.2 points to 98.3% in Q1 2026 from 96.1% in Q1 2025, primarily due to higher catastrophe losses (up 2.5 points) and current year casualty loss costs (up 1.3 points) reflecting elevated social inflation assumptions embedded in 2026 expectations.
Watch Items from the Filing
- Standard Commercial Lines combined ratio deteriorated 3.8 points to 100.2% in Q1 2026; General Liability at 107.6% due to social inflation severity increases.
- Net catastrophe losses were 6.2% of combined ratio in Q1 2026 vs. 3.7% in Q1 2025 (2.5-point increase), reflecting higher frequency and severity of winter storms and thunderstorms.
- Standard Personal Lines retention declined 3 points YoY to 82% in Q1 2026 due to pricing and underwriting actions; new business decreased 15%.
- Company maintains strong capital position with debt-to-capital ratio of 20.1% and $140M remaining under share repurchase authorization; statutory surplus supported allowable dividend of $466M for 2026.
- Fixed income portfolio unrealized losses increased to $179.0M pre-tax at Q1 2026 from $88.4M at year-end 2025, primarily due to higher U.S. Treasury rates; 97% of fixed income holdings investment grade.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q4 2025
$1.4B
Net Income
Q4 2025
$155.2M
Free Cash Flow
Q4 2025
$366.3M
Operating Margin
Q4 2025
14.4%
ROIC
Q4 2025
5.4%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+9.8% YoYNet Income
+125.3% YoYEPS (Diluted)
+131.9% YoYTotal Assets
+12.1% YoYTotal Debt
Op. Cash Flow
+12.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $5.34B +9.8% | $4.86B +14.9% | $4.23B +18.9% | $3.56B +5.3% | $3.38B +15.6% | $2.92B |
| Net Income | $466.4M +125.3% | $207.0M -43.3% | $365.2M +62.4% | $224.9M -44.3% | $403.8M +63.9% | $246.4M |
| EPS (Diluted) | $7.49 +131.9% | $3.23 -44.7% | $5.84 +65.0% | $3.54 -45.5% | $6.50 +58.9% | $4.09 |
| Total Assets | $15.16B +12.1% | $13.51B +14.5% | $11.80B +9.3% | $10.80B +3.3% | $10.46B +8.0% | $9.69B |
| Total Debt | — | $507.9M +0.8% | $503.9M -0.1% | $504.7M -0.3% | $506.1M -8.1% | $550.7M |
| Operating Cash Flow | $1.23B +12.1% | $1.10B +44.9% | $758.9M -5.4% | $802.4M +4.0% | $771.4M +39.2% | $554.0M |
AI Insight: SIGI Financial Trends
SIGI delivered steady revenue growth with net income recovering strongly to $155M in Q4 2025 after Q2 2024's $63M loss.
• Revenue grew consistently from $1,165M in Q1 2024 to $1,365M in Q4 2025, representing 17% growth over eight quarters.
• Net income recovered from Q2 2024's $63M loss to $155M profit in Q4 2025, showing strong earnings momentum.
• Equity expanded from $3,006M to $3,609M over the period, strengthening the balance sheet by 20%.
⚠ Operating cash flow declined to $167M in Q2 2025, the lowest level since Q1 2024 despite revenue growth.
⚠ Net income volatility persists with quarterly swings between $86M and $155M in 2025 following the Q2 2024 loss.
AI Insight: SIGI Ratio Trends
SIGI delivered exceptional Q4 2025 profitability with operating margin surging to 14.4% and ROIC hitting 21.7%.
• Operating margin expanded dramatically from 10.7% in Q3 2025 to 14.4% in Q4 2025.
• ROIC jumped from 16.7% in Q3 2025 to 21.7% in Q4 2025, marking strong capital efficiency gains.
• ROE strengthened from 13.2% in Q3 2025 to 17.2% in Q4 2025, reflecting improved returns to shareholders.
• Net profit margin increased from 8.5% in Q3 2025 to 11.4% in Q4 2025.
⚠ Q2 2024 showed severe negative margins across all metrics, indicating potential volatility in insurance cycles.
⚠ Debt-to-equity ratios missing for recent quarters, limiting leverage trend visibility.
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Available Research
13F Pro tracks comprehensive data for SELECTIVE INSURANCE GROUP INC including:
Top Institutional Holders of SIGI
BlackRock, Inc.
$565.4M7,499,150 shAQR CAPITAL MANAGEMENT LLC
$296.8M3,936,658 shVANGUARD PORTFOLIO MANAGEMENT LLC
$260.8M3,459,250 shVANGUARD CAPITAL MANAGEMENT LLC
$202.2M2,682,461 shFMR LLC
$188.6M2,501,231 shSTATE STREET CORP
$175.4M2,326,280 shGEODE CAPITAL MANAGEMENT, LLC
$128.8M1,708,819 shFIRST TRUST ADVISORS LP
$104.2M1,381,867 shDIMENSIONAL FUND ADVISORS LP
$102.5M1,359,224 shAMERICAN CENTURY COMPANIES INC
$95.5M1,267,272 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $565.4M | 7,499,150 |
| AQR CAPITAL MANAGEMENT LLC | $296.8M | 3,936,658 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $260.8M | 3,459,250 |
| VANGUARD CAPITAL MANAGEMENT LLC | $202.2M | 2,682,461 |
| FMR LLC | $188.6M | 2,501,231 |
| STATE STREET CORP | $175.4M | 2,326,280 |
| GEODE CAPITAL MANAGEMENT, LLC | $128.8M | 1,708,819 |
| FIRST TRUST ADVISORS LP | $104.2M | 1,381,867 |
| DIMENSIONAL FUND ADVISORS LP | $102.5M | 1,359,224 |
| AMERICAN CENTURY COMPANIES INC | $95.5M | 1,267,272 |
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Popular Research
Is SIGI a good stock to buy?
13F Pro's AI-powered analysis of SELECTIVE INSURANCE GROUP INC (SIGI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SIGI are available on the SIGI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SIGI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SIGI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SELECTIVE INSURANCE GROUP INC's investment landscape.