Filing Flows › Selective Insurance Group (SIGI) › Q4 2025
Selective Insurance Group (SIGI) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 9, 2026
Selective Insurance Group (SIGI) reported revenue of $1.4B for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +0.4% from the quarter before. Operating margin was 14.4%, net earnings $155M (11.4% of revenue).
Selective Insurance Group, Q4 2025: revenue $1.4B (+9% year over year), operating margin 14.4%, net earnings $155M, operating cash flow $376M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.4B | +0.4% | +9% |
| Operating profit | $196M | +35% | +65% |
| Net earnings | $155M | +35% | +62% |
| Operating cash flow | $376M | -7% | +13% |
| Free cash flow | $366M | -8% | +13% |
What changed
Revenue was $1.4B in Q4 2025, up 9% year over year and roughly flat from the previous quarter.
Operating profit was $0.20B, a 14.4% margin (up 4.9 points year over year). Of the extra revenue versus a year earlier, 71% reached operating profit, above the 9% margin then. Total costs grew 3% against revenue growth of 9%. Net earnings were $0.16B, up 62% year over year. The effective tax rate was 20.8%.
Operating cash flow was $0.38B (up 13% year over year), 242% of net earnings. Non-cash charges added back $0.01B of depreciation and amortization and $2.7M of share-based compensation. Working capital and other items added $0.21B. Capital expenditures of $0.01B left free cash flow of $0.37B.
Questions
What was Selective Insurance Group's revenue in the fourth quarter 2025?
Selective Insurance Group (SIGI) reported revenue of $1.4B for the fourth quarter 2025 (Q4 2025), +9% from a year earlier and +0.4% from the quarter before.
Was Selective Insurance Group profitable in the fourth quarter 2025?
Operating profit was $196M (14.4% of revenue) and net earnings $155M.