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

Selective Insurance Group's personal automobile — total increased by 5.7% year-over-year, from $1.23B to $1.3B.

What does personal automobile — total mean?

This metric represents the aggregate financial value of the personal automobile insurance segment, encompassing all premiums, losses, and expenses associated with this line of business. It provides a comprehensive view of the segment's overall scale and financial contribution to the company.

Selective Insurance Group (SIGI) Personal automobile — Total

Screener

Other product segments

Commercial automobile

$5.09B+14.4%

General liability

$4.89B+15.6%

Commercial property

$2.45B+9.4%

Workers Compensation

$1.71B+1.1%

Casualty lines

$1.41B+13.2%

Homeowners

$983.33M+4.9%

Businessowners’ policies

$720.6M+5.9%

Similar metrics at other companies

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

$1.53B+175%

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

$576.7M+217%

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

$7.86B+318%

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

$356.2M+204%

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

$3.68B+271%

HIGAutomobiles — Cumulative Incurred for Accident Years Displayed in Triangles

1,568,900,000,000%+1,366,000,000,000pp

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

Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Accident Year	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2019	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2020	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2021	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2022	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2023	Personal Automobile(in thousands, except for claim counts) / Incurred Loss and Allocated Loss Expenses, Net of Reinsurance / Unaudited / 2024	Personal 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	114,043	115,688	115,993	118,669	119,632	119,409	119,411	293	22,874
2020		95,625	94,532	90,179	89,027	89,249	88,302	476	17,553
2021			108,244	102,777	105,088	106,344	105,291	900	19,745
2022				121,030	133,623	138,559	136,545	2,175	21,322
2023					172,104	174,229	173,900	5,669	27,048
2024						184,131	192,486	32,597	25,501
2025							164,785	63,523	17,160
						Total	1,300,422

Item 8. Financial Statements and Supplementary Data.

FAQ

What is Selective Insurance Group's personal automobile — total?: Selective Insurance Group (SIGI) reported personal automobile — total of $1.3B in Q4 2025.
How has Selective Insurance Group's personal automobile — total changed year-over-year?: Selective Insurance Group's personal automobile — total increased by 5.7% year-over-year, from $1.23B to $1.3B.
What does personal automobile — total mean?: This metric represents the aggregate financial value of the personal automobile insurance segment, encompassing all premiums, losses, and expenses associated with this line of business. It provides a comprehensive view of the segment's overall scale and financial contribution to the company.