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Selective Insurance Group (SIGI) Ratios
Selective Insurance Group Ratios
SIGI's free cash flow for Q3 2026 was $346.97M. For the 2026 fiscal year, SIGI's free cash flow was decreased by $-20.27M and operating cash flow was $367.24M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.62 | 0.64 | 0.00 | 0.00 | 0.00 |
| Quick Ratio | 0.62 | 0.64 | 0.00 | 0.00 | 0.00 |
| Cash Ratio | 0.01 | 0.03 | 0.00 | 0.00 | 0.00 |
| Solvency Ratio | 0.05 | 0.03 | 0.04 | 0.03 | 0.06 |
| Operating Cash Flow Ratio | 0.49 | 0.46 | 0.00 | 0.00 | 0.00 |
| Short-Term Operating Cash Flow Coverage | 94.22 | 87.07 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -8.97B | $ -7.71B | $ -8.85B | $ -8.27B | $ -7.48B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.04 | 0.04 | 0.05 | 0.05 |
| Debt-to-Equity Ratio | 0.28 | 0.18 | 0.17 | 0.20 | 0.17 |
| Debt-to-Capital Ratio | 0.22 | 0.15 | 0.15 | 0.17 | 0.15 |
| Long-Term Debt-to-Capital Ratio | 0.20 | 0.14 | 0.15 | 0.17 | 0.14 |
| Financial Leverage Ratio | 3.92 | 3.96 | 3.99 | 4.27 | 3.51 |
| Debt Service Coverage Ratio | 8.79 | 6.52 | 14.73 | 10.26 | 16.74 |
| Interest Coverage Ratio | 11.95 | 8.94 | 15.92 | 9.71 | 17.33 |
| Debt to Market Cap | 0.18 | 0.09 | 0.08 | 0.09 | 0.10 |
| Interest Debt Per Share | 17.29 | 9.60 | 8.56 | 8.40 | 8.61 |
| Net Debt to EBITDA | 1.47 | 1.53 | 0.98 | 1.44 | 0.86 |
| Profitability Margins | |||||
| Gross Profit Margin | 40.86% | 6.61% | 12.24% | 9.56% | 16.65% |
| EBIT Margin | 11.97% | 5.90% | 11.51% | 8.69% | 15.82% |
| EBITDA Margin | 12.58% | 6.62% | 12.22% | 9.87% | 17.45% |
| Operating Profit Margin | 11.05% | 5.31% | 10.83% | 7.87% | 14.95% |
| Pretax Profit Margin | 11.05% | 5.31% | 10.83% | 7.87% | 14.95% |
| Net Profit Margin | 8.74% | 4.26% | 8.63% | 6.32% | 11.95% |
| Continuous Operations Profit Margin | 8.74% | 4.26% | 8.63% | 6.32% | 11.95% |
| Net Income Per EBT | 79.11% | 80.23% | 79.67% | 80.26% | 79.92% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 3.30% | 1.67% | 3.09% | 2.08% | 3.86% |
| Return on Equity (ROE) | 12.92% | 6.63% | 12.36% | 8.90% | 13.54% |
| Return on Capital Employed (ROCE) | 5.07% | 2.59% | 3.88% | 2.59% | 4.83% |
| Return on Invested Capital (ROIC) | 4.00% | 2.07% | 0.00% | 0.00% | 0.00% |
| Return on Tangible Assets | 3.30% | 1.68% | 3.10% | 2.08% | 3.86% |
| Earnings Yield | 9.12% | 3.64% | 5.87% | 4.00% | 7.93% |
| Efficiency Ratios | |||||
| Receivables Turnover | 3.48 | 3.31 | 2.15 | 1.90 | 2.12 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 25.63 | 35.13 | 50.82 | 42.21 | 41.18 |
| Asset Turnover | 0.38 | 0.39 | 0.36 | 0.33 | 0.32 |
| Working Capital Turnover Ratio | -5.92 | -5.81 | 0.00 | 0.00 | 0.00 |
| Cash Conversion Cycle | 104.91 | 110.20 | 169.89 | 192.04 | 172.21 |
| Days of Sales Outstanding | 104.91 | 110.20 | 169.89 | 192.04 | 172.21 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 104.91 | 110.20 | 169.89 | 192.04 | 172.21 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 20.18 | 18.07 | 12.13 | 12.63 | 12.42 |
| Free Cash Flow Per Share | 19.55 | 17.56 | 11.77 | 12.22 | 12.06 |
| Dividend Paid and CapEx Coverage Ratio | 8.76 | 8.80 | 7.18 | 7.86 | 8.42 |
| Capital Expenditure Coverage Ratio | 31.83 | 35.70 | 33.53 | 30.84 | 34.81 |
| Operating Cash Flow Coverage Ratio | 1.22 | 1.98 | 1.50 | 1.59 | 1.52 |
| Operating Cash Flow to Sales Ratio | 0.23 | 0.23 | 0.18 | 0.23 | 0.23 |
| Free Cash Flow Yield | 23.36% | 18.78% | 11.83% | 13.79% | 14.72% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.19 | 28.78 | 17.03 | 25.03 | 12.61 |
| Price-to-Sales (P/S) Ratio | 0.96 | 1.17 | 1.47 | 1.58 | 1.51 |
| Price-to-Book (P/B) Ratio | 1.42 | 1.82 | 2.11 | 2.23 | 1.71 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 4.28 | 5.33 | 8.45 | 7.25 | 6.79 |
| Price-to-Operating Cash Flow Ratio | 4.15 | 5.18 | 8.20 | 7.02 | 6.60 |
| Price-to-Earnings Growth (PEG) Ratio | 0.09 | -0.64 | 0.26 | -0.55 | 0.21 |
| Enterprise Value Multiple | 9.09 | 19.23 | 13.01 | 17.46 | 9.49 |
| Enterprise Value | 6.10B | 6.19B | 6.73B | 6.13B | 5.60B |
| EV to EBITDA | 9.09 | 19.23 | 13.01 | 17.46 | 9.49 |
| EV to Sales | 1.14 | 1.27 | 1.59 | 1.72 | 1.66 |
| EV to Free Cash Flow | 5.11 | 5.79 | 9.14 | 7.90 | 7.47 |
| EV to Operating Cash Flow | 4.95 | 5.62 | 8.87 | 7.64 | 7.25 |
| Tangible Book Value Per Share | 58.94 | 51.12 | 47.11 | 39.66 | 47.88 |
| Shareholders’ Equity Per Share | 59.07 | 51.25 | 47.24 | 39.79 | 48.01 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.20 | 0.20 | 0.20 | 0.20 |
| Revenue Per Share | 87.35 | 79.86 | 67.67 | 56.01 | 54.39 |
| Net Income Per Share | 7.63 | 3.40 | 5.84 | 3.54 | 6.50 |
| Tax Burden | 0.79 | 0.80 | 0.80 | 0.80 | 0.80 |
| Interest Burden | 0.92 | 0.90 | 0.94 | 0.91 | 0.95 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 |
| Income Quality | 2.64 | 5.31 | 2.08 | 3.57 | 1.91 |
Currency in USD