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Selective Insurance Group SIGI Standard Personal Lines — Net Underwriting Expense

Similar metrics at other companies

The Hanover Insurance Group logo
THGPersonal Lines — Underwriting Income Loss
$69.4M+175%
NOD
NODKNon Standard Auto — Other Underwriting Expense
$757K-65.3%
NOD
NODKNon Standard Auto — Underwriting Expense Ratio
97.6%+53.2pp
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THGPersonal Lines — Amortization Of Deferred Acquisition Costs And Other Underwriting Expenses
$174.7M+7.6%
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THGPersonal Lines — Net Investment Income
$33.3M+10.3%
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THGPersonal Lines — Premiums Earned Net
$652.5M+2.7%

Other financials

Income statement

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Revenue$1.4B+4.5%
Net income$129.4M+50.5%
EPS (diluted)$2.11+55.1%

Balance sheet

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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

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Operating cash flow$229.0M+37.2%
CapEx$14.1M+94.6%
Free cash flow$214.9M+34.6%

Valuation

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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

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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 sigi:NetUnderwritingExpense.

The source filing: Selective Insurance Group’s 10-Q, filed July 24, 2026.

Filed
Jul 24, 2026, 2:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000230557-26-000020
Combined RatioQuarter ended June 30, 2026 / AmountQuarter ended June 30, 2026 / RatioQuarter ended June 30, 2025 / AmountQuarter ended June 30, 2025 / RatioSix Months ended June 30, 2026 / AmountSix Months ended June 30, 2026 / RatioSix Months ended June 30, 2025 / AmountSix Months ended June 30, 2025 / Ratio
Standard Personal Lines:
Net premiums earned97,639102,377197,667206,032
Loss and loss expense incurred69,00470.769,97768.3138,30369.9146,64671.2
Net underwriting expenses incurred124,20724.823,85023.347,77824.248,79923.7
Underwriting income (loss)4,42895.58,55091.611,58694.110,58794.9
E&S Lines:
Net premiums earned155,825148,045307,234290,937
Loss and loss expense incurred95,01361.087,15558.9184,38460.0175,14560.2

ITEM 1. FINANCIAL STATEMENTS.

FAQ

What is Selective Insurance Group's standard personal lines — net underwriting expense?
Selective Insurance Group (SIGI) reported standard personal lines — net underwriting expense of $24.21M in Q2 2026.
How has Selective Insurance Group's standard personal lines — net underwriting expense changed year-over-year?
Selective Insurance Group's standard personal lines — net underwriting expense increased by 1.5% year-over-year, from $23.85M to $24.21M.
What is the long-term trend for Selective Insurance Group's standard personal lines — net underwriting expense?
Over 3 years (2022 to 2025), Selective Insurance Group's standard personal lines — net underwriting expense has grown at a 8.0% compound annual growth rate (CAGR), from $75.49M to $95.17M.
What does standard personal lines — net underwriting expense mean?
This figure captures the total operational costs incurred to acquire and service insurance policies, including commissions, salaries, and administrative overhead, net of any ceding commissions. It reflects the company's cost structure and operational efficiency in managing its personal lines business.

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