How has Selective Insurance Group's commercial automobile — total changed year-over-year?

Selective Insurance Group's commercial automobile — total increased by 14.4% year-over-year, from $4.45B to $5.09B.

What does commercial automobile — total mean?

This metric represents the aggregate financial performance or total exposure associated with the commercial automobile insurance segment. It serves as a comprehensive view of the segment's contribution to the overall property-casualty portfolio. Analysts use this to evaluate the segment's overall impact on the company's financial health and capital allocation.

Selective Insurance Group (SIGI) Commercial automobile — Total

Screener

Other product segments

General liability

$4.89B+15.6%

Commercial property

$2.45B+9.4%

Workers Compensation

$1.71B+1.1%

Casualty lines

$1.41B+13.2%

Personal automobile

$1.3B+5.7%

Homeowners

$983.33M+4.9%

Businessowners’ policies

$720.6M+5.9%

Similar metrics at other companies

UFCSCommercial automobile — Incurred losses and allocated loss settlement expenses, net of reinsurance

$1.9B+589%

HIGCommercial automobile physical damage — Cumulative Incurred for Accident Years Displayed in Triangles

$235M+180%

ORICommercial Automobile — Incurred Loss and Allocated Loss Adjustment Expenses, Net of Reinsurance (Undiscounted)

$10.36B+657%

SAFTCommercial Automobile Physical Damage — Shortduration Insurance Contracts Incurred Claims And Allocated Claim Adjustment Expense Net

22,320,700,000%+19,519,400,000pp

KMPRCommercial Automobile Insurance—Liability — Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31,

$1.93B+376%

KMPRCommercial Automobile Insurance—Physical Damage — Incurred Losses and Allocated LAE, Net of Reinsurance For the Years Ended December 31,

$368M+321%

Other financials

Income statement

See full

Revenue$1.4B+4.5%

Net income$129.4M+50.5%

EPS (diluted)$2.11+55.1%

Balance sheet

See full

Cash & equivalents$557.0K+56.0%

Total debt$903.2M-0.5%

Total equity$3.7B+8.7%

Total assets$15.6B+7.9%

Cash flow

See full

Operating cash flow$229.0M+37.2%

CapEx$14.1M+94.6%

Free cash flow$214.9M+34.6%

Valuation

See full

Market cap$5.77B+19.9%

Enterprise value$6.67B+16.6%

P/E11.6×-1.0×

P/S1.1×+0.1×

Profitability

See full

Net margin9.1%+1.6pp

FCF margin21.7%-0.4pp

Returns & leverage

See full

Return on equity14.2%+2.0pp

Debt / equity0.2×0.0×

Where this comes from

Reported directly by Selective Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredClaimsAndAllocatedClaimAdjustmentExpenseNet.

The source filing: Selective Insurance Group’s 10-K, filed February 9, 2026.

Filed: Feb 9, 2026, 5:15 PM EST
Fiscal year: FY2025
Accession: 0000230557-26-000006

Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Accident Year	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2019	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2020	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2021	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2022	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2023	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2024	Commercial Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / 2025	As of December 31, 2025 / IBNR	As of December 31, 2025 / Cumulative Number of Reported Claims
2019	385,212	398,346	404,854	407,051	410,432	415,684	416,866	5,038	37,201
2020		381,654	381,163	375,636	374,293	371,272	376,165	8,162	30,852
2021			483,831	512,673	510,825	507,344	515,179	22,512	37,613
2022				572,421	581,223	577,111	591,568	55,555	40,500
2023					633,529	660,063	696,769	134,424	39,575
2024						688,046	744,580	257,455	39,343
2025							778,378	435,027	34,854
						Total	5,091,437

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Selective Insurance Group's commercial automobile — total?: Selective Insurance Group (SIGI) reported commercial automobile — total of $5.09B in Q4 2025.
How has Selective Insurance Group's commercial automobile — total changed year-over-year?: Selective Insurance Group's commercial automobile — total increased by 14.4% year-over-year, from $4.45B to $5.09B.
What does commercial automobile — total mean?: This metric represents the aggregate financial performance or total exposure associated with the commercial automobile insurance segment. It serves as a comprehensive view of the segment's contribution to the overall property-casualty portfolio. Analysts use this to evaluate the segment's overall impact on the company's financial health and capital allocation.