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Selective Insurance Group SIGI Homeowners — IBNR

Other product segments

General liability
$769.16M+23.9%
Commercial automobile
$435.03M+19.4%
Casualty lines
$226.94M+36.3%
Workers Compensation
$124.79M+15.6%
Personal automobile
$63.52M+19.9%
Commercial property
$53.81M-16.7%
Businessowners’ policies
$37.75M+18.5%

Similar metrics at other companies

Lemonade logo
LMNDProperty Insurance — IBNR
$64.6M+15.8%
Allstate logo
ALLHome Owners — IBNR reserves plus expected development on reported claims
$2.72B-4.8%
RenaissanceRe Holdings logo
RNRProperty — IBNR
$2.04B-44.9%
The Hartford Financial Services Group logo
HIGProperty Insurance — IBNR
Reserves
27,100,000,000%-5,100,000,000pp
American International Group logo
AIGReserve for Incurred But Not Reported (IBNR) Claims
$334M-15.4%
The Hartford Financial Services Group logo
HIGProfessional liability — IBNR
Reserves
$366M+8.6%

Other financials

Income statement

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Revenue$1.4B+5.7%
Net income$97.7M-11.1%
EPS (diluted)$1.58-10.2%

Balance sheet

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Cash & equivalents$176.0K+41.9%
Total debt$904.3M-0.5%
Total equity$3.6B+10.1%
Total assets$15.3B+7.9%

Cash flow

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Operating cash flow$221.4M-22.0%
CapEx$10.9M-16.0%
Free cash flow$210.5M-22.3%

Valuation

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Market cap$5.53B-18.9%

Profitability

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Net margin8.4%+3.7pp
FCF margin21%-3.8pp

Returns & leverage

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Return on equity13.3%+5.8pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by Selective Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: Selective Insurance Group’s 10-K, filed February 9, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Selective Insurance Group's homeowners — IBNR?
Selective Insurance Group (SIGI) reported homeowners — IBNR of $25.31M in Q4 2025.
How has Selective Insurance Group's homeowners — IBNR changed year-over-year?
Selective Insurance Group's homeowners — IBNR increased by 8.3% year-over-year, from $23.37M to $25.31M.
What does homeowners — IBNR mean?
This metric represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by policyholders. It is a critical actuarial reserve component for the homeowners insurance segment, reflecting potential future payouts for events that have already transpired. Monitoring this helps investors assess the adequacy of reserves and the potential for future earnings volatility.