NASDAQ$SIGI

Selective Insurance Group Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Selective Insurance reported Q3 2025, revenue of $1.36B, net income of $115.3M.

For Q3 2025, Selective Insurance reported revenue of $1.36B, net income of $115.3M. Management discusses operations, liquidity, and outlook in the quarterly filing.

  • Revenue $1.36B.
  • Net income $115.3M.
  • Selective Insurance highlights liquidity, operations, and sector risks in MD&A.

Headline financials

Total Revenue

$1.36B

Previous: $1.24B+9.3%
EPS (adj)

$1.75

Previous: $1.47+19.0%
Combined Ratio

98.6%

Previous: 99.5%-0.9%
Std Commercial Lines Combined Ratio

101.1%

Previous: 99.2%+1.9%
Std Personal Lines Combined Ratio

110.1%

Previous: 122.1%-9.8%
E&S Lines Combined Ratio

76.2%

Previous: 83.2%-8.4%
Net Premiums Written

$1.21B

Previous: $1.16B+4.3%
Net Investment Income (After-tax)

$110M

Previous: $93.4M+17.8%
Return on Common Equity

14.0%

Previous: 12.6%+11.1%
Non-GAAP Operating ROE

13.2%

Previous: 12.1%+9.1%
Commercial Lines Renewal Pure Price

8.9%

Previous: 9.1%-2.2%
Book Value Per Common Share

$54.46

Previous: $48.82+11.6%
Adjusted Book Value Per Share

$55.83

Previous: $50.80+9.9%
Net Catastrophe Losses

2.1%

Previous: 13.4%-84.3%
Unfavorable Prior Year Reserve Dev.

3.3%

Previous: 0.0%
Overall Renewal Pure Price Increase

9.6%

Previous: 10.5%-8.6%
Std Commercial Lines Retention

82.0%

No prior period
Std Personal Lines Renewal Pure Price

16.9%

No prior period
Std Personal Lines Retention

79.0%

No prior period
E&S Lines Renewal Pure Price Increase

8.3%

No prior period
Capital Expenditures

-$28.8M

Previous: -$23.3M-23.2%
Net Income

$115M

Previous: $92.3M+25.0%
Operating Income

$107M

Previous: $119M-10.6%

Revenue & EPS history

Selective Insurance · Revenue · Quarterly

$1.36B

Q3 2025+9.3%vs Q3 2024
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Revenue by segment

Selective Insurance · $947M total across 2 segments · Q3 2023

  • Standard Commercial Lines
    $834M+20.4%
  • Standard Personal Lines
    $113M+49.7%

Forward guidance

The filing discusses Selective Insurance's outlook, including capital allocation, operating priorities, and market risks relevant to the reported quarter.

Tailwinds

  • Selective Insurance cites operational priorities and demand trends supporting the outlook.
  • Balance sheet and liquidity actions aim to fund growth and returns.

Headwinds

  • Macro, pricing, and input-cost volatility could pressure margins.
  • Segment mix and one-time items may affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

-0.4%

Avg return

Earnings day

-0.3%

Avg return

5 days after

+1.4%

Avg return

30 days after

51%

35 / 69 earnings

Positive

+9.7%

Q1 2017

Best reaction

-18.9%

Q2 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+8.8%+10.3%+16.8%
Q4 2025+0.3%+6.0%-0.0%
Q3 2025-5.7%-6.9%-4.0%
Q2 2025-1.9%-0.4%+1.0%
Q1 2025-1.8%-2.8%-5.1%
Q4 2024-12.6%-11.2%-8.5%
Q3 2024-5.4%-7.4%-2.7%
Q2 2024-18.9%-14.7%-12.1%
Q1 2024-5.8%-3.4%-4.0%
Q4 2023-8.9%-6.7%-2.2%
Q3 2023+1.2%+0.3%-2.7%
Q2 2023-1.5%+1.0%-3.6%
Q1 2023+5.1%+6.2%+1.4%
Q4 2022+7.7%+2.9%+11.3%
Q3 2022-2.1%-3.2%-0.5%
Q2 2022+0.2%+2.5%+4.8%
Q1 2022-4.6%-4.9%-6.6%
Q4 2021-3.8%+0.7%+4.9%
Q3 2021-4.2%-3.1%-2.9%
Q2 2021+2.0%+2.7%+7.7%
Q1 2021+0.5%+0.7%-1.8%
Q4 2020-2.9%-3.2%+1.4%
Q3 2020-0.2%-0.8%+18.0%
Q2 2020-2.7%-3.3%+5.3%
Q1 2020-5.8%+0.3%+13.5%
Q4 2019+0.7%+3.1%-15.2%
Q3 2019-3.7%-4.3%-7.7%
Q2 2019+4.4%+2.8%+6.3%
Q1 2019-2.3%+0.8%+0.5%
Q4 2018+3.9%+5.7%+9.8%
Q3 2018+3.6%+11.6%+6.5%
Q2 2018+5.0%+4.3%+7.4%
Q1 2018-5.4%-5.7%-2.6%
Q4 2017+1.8%-1.6%-1.7%
Q3 2017+6.4%+5.7%+7.8%
Q2 2017-3.1%-1.3%-0.7%
Q1 2017+9.7%+7.1%+3.6%
Q4 2016+4.9%+5.0%+10.3%
Q3 2016-8.7%-7.2%+6.2%
Q2 2016+1.5%-1.1%-1.7%
Q1 2016+0.8%
Q4 2015+6.5%
Q3 2015+1.5%
Q2 2015+3.2%
Q1 2015-3.8%
Q4 2014-3.2%
Q3 2014+2.5%
Q2 2014-3.6%
Q1 2014+0.3%
Q4 2013-2.5%
Q3 2013-2.6%
Q2 2013+3.9%
Q1 2013-1.6%
Q4 2012+7.5%
Q3 2012-0.9%
Q2 2012-2.8%
Q4 2011-2.0%
Q1 2012+1.7%
Q3 2011+3.7%
Q2 2011-0.1%
Q1 2010+4.3%
Q1 2011+2.1%
Q4 2010+3.1%
Q4 2008+3.1%
Q3 2009-2.5%
Q3 2010-2.5%
Q4 2009+0.4%
Q2 2009+0.4%
Q2 2010+0.4%

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