For the quarter ended December 2025, Selective Insurance (SIGI) reported revenue of $1.37 billion, up 8.3% over the same period last year. EPS came in at $2.57, compared to $1.62 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.37 billion, representing a surprise of +0.08%. The company delivered an EPS surprise of +14.86%, with the consensus EPS estimate being $2.24.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how Selective Insurance performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Combined ratio: 93.8% versus the four-analyst average estimate of 95.6%.
- Loss and loss expense ratio: 63.2% versus 65.1% estimated by four analysts on average.
- Underwriting expense ratio: 30.5% compared to the 31% average estimate based on four analysts.
- Standard Commercial Lines - Combined Ratio: 92.9% compared to the 97.7% average estimate based on three analysts.
- Standard Personal Lines - Combined Ratio: 103% compared to the 97.1% average estimate based on three analysts.
- Excess and Surplus Lines - Combined Ratio: 93.1% versus 84.9% estimated by three analysts on average.
- Revenues- Other income: $8.5 million versus $8.61 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a 0% change.
- Revenues- Standard Commercial Lines- Net Premiums Earned: $956.8 million versus the four-analyst average estimate of $959.62 million. The reported number represents a year-over-year change of +8.2%.
- Revenues- Net investment income earned: $143.8 million compared to the $141.83 million average estimate based on four analysts. The reported number represents a change of +17.1% year over year.
- Revenues- Excess and Surplus Lines- Net Premiums Earned: $159.3 million versus $157.39 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +12.7% change.
- Revenues- Net premiums earned: $1.22 billion compared to the $1.22 billion average estimate based on four analysts. The reported number represents a change of +7.4% year over year.
- Revenues- Standard Personal Lines- Net Premiums Earned: $100.6 million compared to the $100.42 million average estimate based on four analysts. The reported number represents a change of -6.1% year over year.
View all Key Company Metrics for Selective Insurance here>>>
Shares of Selective Insurance have returned -2.8% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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Selective Insurance Group, Inc. (SIGI): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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