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Selective Insurance Group SIGI Standard Commercial Lines — Combined Ratio

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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:CombinedRatio.

The official record: Selective Insurance Group’s 10-Q, filed April 24, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Selective Insurance Group's standard commercial lines — combined ratio?
Selective Insurance Group (SIGI) reported standard commercial lines — combined ratio of 100.2% in Q1 2026.
How has Selective Insurance Group's standard commercial lines — combined ratio changed year-over-year?
Selective Insurance Group's standard commercial lines — combined ratio increased by 3.9% year-over-year, from 96.4% to 100.2%.
What does standard commercial lines — combined ratio mean?
The combined ratio is the sum of the loss ratio and the expense ratio for the Standard Commercial Lines segment, representing the total cost of underwriting per dollar of premium. A ratio below 100% indicates an underwriting profit, while a ratio above 100% indicates an underwriting loss.