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Selective Insurance Group
Selective Insurance Group (SIGI) investor relations material
Selective Insurance Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Jan, 2026
Executive summary
Achieved a 14.4% ROE and 14.2% operating ROE for 2025, surpassing long-term industry averages.
Net premiums written reached $4.9 billion in 2025, ranking as the 34th largest U.S. P&C carrier.
Book value per share grew 18% year-over-year to $56.74, with $182 million returned to shareholders via dividends and buybacks.
Expanded commercial lines footprint to nearly all states, focusing on profitable growth and diversification.
Received A+ (Superior) rating from AM Best and strong ratings from other agencies.
Financial highlights
Fully diluted EPS for Q4 was $2.52, up 66% year-over-year; non-GAAP operating EPS was $2.57, up 59%.
Combined ratio improved to 93.8% in Q4 and 97.2% for the year; underlying combined ratio was 91.8%.
Net premiums written grew 5% for the year, with an 8.9% CAGR from 2015 to 2025.
After-tax net investment income for Q4 was $114 million, up 17% year-over-year; $421.2 million for the year.
Book value per share increased from $26.42 in 2016 to $56.74 in 2025.
Outlook and guidance
2026 GAAP combined ratio expected between 96.5% and 97.5%, with 6 points of catastrophe losses assumed.
After-tax net investment income projected at $465 million for 2026, up 10% from 2025.
Operating ROE guidance for 2026 is around 14%.
Underlying combined ratio for 2026 expected in the 90.5%-91.5% range, with improvement in Personal and Commercial Lines.
Effective tax rate projected at 21.5% for 2026.
Commercial auto reserve actions impact on 2026
Tech investment impact on future expense ratio
E&S growth strategy amid market discipline
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Next Selective Insurance Group earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
Selective Insurance Group
Next Selective Insurance Group earnings date
Bank of America Financial Services Conference 202610 Feb, 2026
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Frequently asked questions
Selective Insurance Group Inc. offers a range of commercial and personal insurance products, including property, casualty, and flood insurance. The company distributes its policies through independent agents and operates primarily in the United States. It is headquartered in Branchville, New Jersey, and its shares are listed on the NASDAQ.
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