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Selective Insurance Group cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$347M in Q3 2026 · $1.1B over twelve months

Operating cash flow$367M
Capital spending−$20.3M
Free cash flow+$347M
Cash / net income2.9×

Analysis

In Q3 2026, Selective Insurance Group generated $367M of operating cash flow and spent $20.3M on capital projects, leaving free cash flow of $347M. That is $50.4M less than in Q3 2025 ($397M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.2B; the largest uses were other investing ($890M), buybacks ($153M), dividends ($99.9M); besides operations, cash came from shares issued ($8.2M); the cash balance fell by $8.8M.

Operating cash flow was $367M against net income of $129M — 2.9× profit, cash ran ahead of reported earnings. The largest differences: gains on investments +$19.4M, employee-related liabilities +$19.1M, depreciation & amortization +$8.1M.

Free cash flow

Selective Insurance Group: free cash flow by quarterSelective Insurance Group: free cash flow by quarter$325MQ4 2024$271MQ1 2025$160MQ2 2025$397MQ3 2025$366MQ4 2025$211MQ1 2026$215MQ2 2026$347MQ3 2026
Operating cash flow less capital spending.
Selective Insurance Group: operating cash flow against capital spendingSelective Insurance Group: operating cash flow against capital spendingOperating cash flowCapital spending$332M$7.5MQ4 2024$284M$13.0MQ1 2025$167M$7.2MQ2 2025$406M$8.5MQ3 2025$376M$10.0MQ4 2025$221M$10.9MQ1 2026$229M$14.1MQ2 2026$367M$20.3MQ3 2026
Latest (Q3 2026): Operating cash flow $367M, Capital spending $20.3M.

Capital allocation, year by year

Selective Insurance Group: where the cash came from (up) and went (down), by fiscal yearSelective Insurance Group: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $771MFY2021: Net borrowing −$51.8MFY2021: Shares issued $8.5MFY2021: Capital spending −$22.2MFY2021: Buybacks −$9.1MFY2021: Dividends −$60.1M$780MFY2021FY2022: Operating cash flow $802MFY2022: Net borrowing −$2.4MFY2022: Shares issued $9.1MFY2022: Capital spending −$26.0MFY2022: Buybacks −$18.3MFY2022: Dividends −$66.9M$811MFY2022FY2023: Operating cash flow $759MFY2023: Net borrowing −$2.7MFY2023: Shares issued $9.1MFY2023: Capital spending −$22.6MFY2023: Buybacks −$7.9MFY2023: Dividends −$73.8M$768MFY2023FY2024: Operating cash flow $1.1BFY2024: Net borrowing −$2.6MFY2024: Shares issued $9.6MFY2024: Capital spending −$30.8MFY2024: Buybacks −$15.6MFY2024: Dividends −$84.9M$1.1BFY2024FY2025: Operating cash flow $1.2BFY2025: Net borrowing $393MFY2025: Shares issued $9.0MFY2025: Capital spending −$38.7MFY2025: Buybacks −$92.6MFY2025: Dividends −$92.9M$1.6BFY2025
Over these 5 years operating cash flow totalled $4.7B; the largest uses were dividends ($379M) and buybacks ($144M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$928K
Debt$902M
Net debt$901M

Selective Insurance Group funds itself: free cash flow was $1.1B over the last twelve months, and $928K of cash and investments stands against $902M of debt.

Where the cash came from and went

Selective Insurance Group: sources (+) and uses (−) of cash, Q3 2026Selective Insurance Group: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$367MOther investing−$260MBuybacks−$55.6MDividends−$24.8MCapital spending−$20.3MCash drawn (+) / kept (−)−$4.4MOther financing−$2.3MNet borrowing (+) / repaid (−)−$627KShares issued$534K
Selective Insurance Group: sources (+) and uses (−) of cash, TTM to Q3 2026Selective Insurance Group: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$1.2BOther investing−$890MBuybacks−$153MDividends−$99.9MCapital spending−$55.3MOther financing−$9.2MCash drawn (+) / kept (−)$8.8MShares issued$8.2MNet borrowing (+) / repaid (−)−$2.6M

From profit to cash

Selective Insurance Group: net income to operating cash flow, Q3 2026Selective Insurance Group: net income to operating cash flow, Q3 2026Net income$129MDepreciation & amortization$8.1MStock-based pay$3.3MGains on investments$19.4MEmployee-related liabilities$19.1MPrepaid and other assets−$1.8MOther liabilities$6.0MIncome taxes payable$440KOperating cash flow$367M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$367M−$20.3M−$55.6M−$24.8M−$627K$534K−$4.4M$347M
Q2 2026$229M−$14.1M−$32.4M−$25.0M−$672K$3.5M−$34K$215M
Q1 2026$221M−$10.9M−$35.0M−$24.8M−$665K$421K$7.1M$211M
Q4 2025$376M−$10.0M−$30.5M−$25.2M−$661K$3.7M$6.2M$366M
Q3 2025$406M−$8.5M−$36.6M−$22.5M−$551K$746K$14.1M$397M
Q2 2025$167M−$7.2M−$258K−$22.9M−$712K$3.8M$70.1M$160M
Q1 2025$284M−$13.0M−$25.2M−$22.3M$395M$787K−$45.3M$271M
Q4 2024$332M−$7.5M−$81K−$22.6M−$692K$3.9M−$50.4M$325M

Selective Insurance Group: income statement and cash flow

Selective Insurance Group, Q3 2026: revenue $1.3B (-2% year over year), operating margin 12.2%. The chart follows the revenue to costs, profit and cash.

Selective Insurance Group: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.