How has Selective Insurance Group's personal automobile — IBNR changed year-over-year?

Selective Insurance Group's personal automobile — IBNR increased by 19.9% year-over-year, from $53M to $63.52M.

What does personal automobile — IBNR mean?

This metric represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the reporting period. It is a critical actuarial estimate that ensures the company maintains sufficient capital to cover future obligations for the personal automobile segment.

Selective Insurance Group SIGI Personal automobile — 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%

Commercial property

$53.81M-16.7%

Businessowners’ policies

$37.75M+18.5%

Homeowners

$25.31M+8.3%

Similar metrics at other companies

CNACommercial Auto — IBNR

108,500,000,000%+26,500,000,000pp

LMNDCar — IBNR

$40.5M+0.7%

LMNDProperty Insurance — IBNR

$64.6M+15.8%

CNAGeneral Liability — IBNR

341,000,000,000%+19,500,000,000pp

HIGPersonal automobile physical damage — IBNR Reserves

$10M-64.3%

TRVAutomobile — IBNR Reserves Dec. 31, 2025 (Audited)

322,200,000,000%+16,800,000,000pp

Other financials

Income statement

See full

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

See full

Operating cash flow$221.4M-22.0%

CapEx$10.9M-16.0%

Free cash flow$210.5M-22.3%

Valuation

See full

Market cap$5.53B-18.9%

Profitability

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Net margin8.4%+3.7pp

FCF margin21%-3.8pp

Returns & leverage

See full

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 personal automobile — IBNR?: Selective Insurance Group (SIGI) reported personal automobile — IBNR of $63.52M in Q4 2025.
How has Selective Insurance Group's personal automobile — IBNR changed year-over-year?: Selective Insurance Group's personal automobile — IBNR increased by 19.9% year-over-year, from $53M to $63.52M.
What does personal automobile — IBNR mean?: This metric represents the estimated liability for claims that have occurred but have not yet been reported to the insurer by the end of the reporting period. It is a critical actuarial estimate that ensures the company maintains sufficient capital to cover future obligations for the personal automobile segment.