---
schema_version: "secwatch.filing_event.v1"
accession: "0000230557-25-000003"
form_type: "8-K"
ticker: "SIGI"
cik: "0000230557"
company_name: "SELECTIVE INSURANCE GROUP INC"
filed_at: "2025-01-29T23:59:59+00:00"
generated_at: "2026-05-27T07:30:09.888678+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Selective Q4 net income $1.52/sh; combined ratio 98.5% on $100M casualty reserve strengthening; 2025 guidance 96-97% CR

## Summary
- Q4 net income $93.2M ($1.52 diluted EPS); non-GAAP operating income $99.6M ($1.62/sh).
- Q4 combined ratio 98.5% (up 4.8 pts YoY) due to $100M unfavorable prior year casualty reserve development (8.8 pts).
- Standard Commercial Lines combined ratio 100.2%; Personal Lines improved to 91.7%; E&S combined ratio 93.1% with $20M adverse development.
- Net premiums written up 10% in Q4; renewal pure price +10.7%. After-tax net investment income $97M (+24% YoY).
- 2025 guidance: GAAP combined ratio 96%-97% (ex-cats), after-tax NII ~$405M, diluted shares 61.5M. Dividend $0.38/sh payable Mar 3.

## SEC filing metadata
- accession: 0000230557-25-000003
- form_type: 8-K
- ticker: SIGI
- cik: 0000230557
- company_name: SELECTIVE INSURANCE GROUP INC
- filed_at: 2025-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/230557/000023055725000003/0000230557-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/230557/000023055725000003/sigi-20250129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000230557-25-000003
- JSON: https://secwatch.observer/filing/0000230557-25-000003.json
- Plain text: https://secwatch.observer/filing/0000230557-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.