Company Analysis

Selective Insurance Group, Inc. (SIGI)

Nasdaq: SIGI · Fire, Marine & Casualty Insurance · Branchville, NJ · filing with the SEC since 1996
Grade5.6
◀ Past 6.2● Present 5.0▶ Future 5.5

The grade of Selective Insurance Group, Inc.

Nine metrics read from its own filings, by tense
Headline grade
5.6/10
◀ Past6.240% of the headline
● Present5.035% of the headline
▶ Future5.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

6.2/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.3/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 73rd percentile among 60 sector filers · read for itself

From the record

Selective Insurance Group, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
8.1/10

What has it actually done, year after year?

+9.9% a year over 10 filed years; profitable in 10 of 10.

weight 22% of this tense · 81st percentile among 56 sector filers · read for its customers

From the record

Selective Insurance Group, Inc.'s 10 filed years say what it did: revenue went from $2.3 billion in fiscal 2016 to $5.3 billion in fiscal 2025, up 9.9% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span9.9%top 35% of its family
  • the share of years revenue rosetop 12% of its family
  • the share of filed years with a profittop 17% of its family
  • the deepest fall from a revenue peak0.0%top 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.4/10

How has it treated the people who own it?

Share count grew 0.1% a year. 12% of cash flow returned. Insiders: 4 sales, 1 purchases.

weight 45% of this tense · 44th percentile among 49 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Selective Insurance Group, Inc.'s diluted share count grew about 0.1% a year, and dividends and buybacks returned about 12% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 1 purchase of their own stock on the open market in the year to 2026-11-10, buying about $51 thousand (their Form 4 filings).

What it rests on

  • the share count over the yearstop 49% of its family
  • cash returned against operating cash flowbottom 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.0/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
5.1/10

Is it financially healthy right now?

ROE 13%: 13¢ of profit per shareholder dollar. Leverage 76%: owes 76¢ per asset dollar.

weight 45% of this tense · 51st percentile among 60 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Selective Insurance Group, Inc. earned about 13 cents of profit for every dollar of shareholders' money. Leverage: it owed about 76 cents per dollar of assets, and net share issuance: its share count shrank 0.4% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 46% of its family
  • return on equitybottom 49% of its family
  • the share count against the year beforetop 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
5.1/10

How strong is its position in its industry?

top 49% of 60 in its family; net margin 8.7%.

weight 33% of this tense · 51st percentile among 60 sector filers · read for its customers

From the record

Selective Insurance Group, Inc.'s standing among 60 graded names in its industry family: revenue of $5.3 billion in fiscal 2025 ranks in the top 34% by size; a net margin of 8.7% ranks in the bottom 29%; revenue growth of 14.5% a year over the last 3 filed years ranks in the top 42% (its annual reports).

What it rests on

  • revenue against the family$5.34Btop 34% of its family
  • net margin8.7%bottom 29% of its family
  • three-year revenue growth14.5%top 42% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
4.6/10

What are the people in charge doing?

bottom 46% of 47 in its family for leadership; chief executive since 2020.

weight 22% of this tense · 46th percentile among 47 sector filers · read for its shareholders

From the record

Selective Insurance Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Marchioni, John J. (President and CEO, as filed), filing under that title since 2020-02-07, 6.8 years (top 44% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 6.1 years (bottom 39%); 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 43%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge8 in three years among 18 peoplebottom 43% of its family
  • the median years the people in charge have filed6.1 yearsbottom 39% of its family
  • the chief executive's years on the record6.8 yearstop 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.5/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
5.1/10

How much room does it have to grow?

top 49% of 60 in its family for room to expand.

weight 33% of this tense · 51st percentile among 60 sector filers · read for itself

From the record

Selective Insurance Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $18 million against no long-term debt tagged leaves 0.1% of its assets as net cash, bottom 34% of its family; cash from operations less capital spending is 22.4% of revenue (top 32%) (its annual report).

What it rests on

  • cash less debt against assets0.1%bottom 34% of its family
  • cash from operations less capital spending against revenue22.4%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.9/10

What could actually drive growth from here?

top 31% of 56 in its family for growth drivers.

weight 33% of this tense · 69th percentile among 56 sector filers · read for its customers

From the record

Selective Insurance Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.5% a year over the last three filed years against 9.9% over all 10, speeding up (top 37% of its family); the newest year grew 9.8% (top 40%); capital spending grew 14.2% a year (top 16%) (its annual reports). Selective Insurance Group, Inc. reported 5 lines of business in fiscal 2025: Insurance Operations at $4.8 billion, Standard Commercial Lines at $3.8 billion, ES Lines at $606 million, and 2 more. 4 of 5 grew in the latest filed year, and the largest line is 47% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span+4.6 points a yeartop 37% of its family
  • the newest year's revenue growth9.8%top 40% of its family
  • three-year growth of capital spending14.2%top 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.5/10

Did its newest year beat what its own record pointed to?

bottom 45% of 56 in its family for expectations against reality.

weight 33% of this tense · 45th percentile among 56 sector filers · read for its shareholders

From the record

Selective Insurance Group, Inc.'s newest year against its own record: revenue of $5.3 billion in fiscal 2025 came in 6.1% below the $5.7 billion its prior three years' pace pointed to (bottom 49% of its family); net income of $466 million against a prior three-year average of $266 million (bottom 49%); a net margin of 8.7% against 6.4% before (bottom 37%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-6.1%bottom 49% of its family
  • net income against the prior three years' average+76%bottom 49% of its family
  • net margin against its prior average+2.3 pointsbottom 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SIGI · research, not advice