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Selective Insurance (SIGI) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
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For the quarter ended March 2025, Selective Insurance (SIGI - Free Report) reported revenue of $1.29 billion, up 10.2% over the same period last year. EPS came in at $1.76, compared to $1.33 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.3 billion, representing a surprise of -0.89%. The company delivered an EPS surprise of -6.88%, with the consensus EPS estimate being $1.89.
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:
Underwriting expense ratio: 31.6% versus the four-analyst average estimate of 31.6%.
Loss and loss expense ratio: 64.4% compared to the 64.6% average estimate based on four analysts.
Combined ratio: 96.1% versus 96.4% estimated by four analysts on average.
Standard Commercial Lines - Combined Ratio: 96.4% versus the three-analyst average estimate of 96.8%.
Standard Personal Lines - Combined Ratio: 98% compared to the 101.5% average estimate based on three analysts.
Excess and Surplus Lines - Combined Ratio: 92.5% versus 86.7% estimated by three analysts on average.
Revenues- Net premiums earned: $1.16 billion versus $1.17 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +10.3% change.
Revenues- Net investment income earned: $120.70 million versus the five-analyst average estimate of $123.30 million. The reported number represents a year-over-year change of +12%.
Revenues- Standard Personal Lines- Net Premiums Earned: $103.70 million versus $110.06 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a -0.1% change.
Revenues- Standard Commercial Lines- Net Premiums Earned: $912.20 million compared to the $914.23 million average estimate based on four analysts. The reported number represents a change of +9.4% year over year.
Revenues- Excess and Surplus Lines- Net Premiums Earned: $142.90 million compared to the $142.47 million average estimate based on four analysts. The reported number represents a change of +26.5% year over year.
Revenues- Other income: $5.50 million compared to the $7.82 million average estimate based on four analysts. The reported number represents a change of -29.5% year over year.
Shares of Selective Insurance have returned +1.9% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Selective Insurance (SIGI) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
For the quarter ended March 2025, Selective Insurance (SIGI - Free Report) reported revenue of $1.29 billion, up 10.2% over the same period last year. EPS came in at $1.76, compared to $1.33 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $1.3 billion, representing a surprise of -0.89%. The company delivered an EPS surprise of -6.88%, with the consensus EPS estimate being $1.89.
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:
- Underwriting expense ratio: 31.6% versus the four-analyst average estimate of 31.6%.
- Loss and loss expense ratio: 64.4% compared to the 64.6% average estimate based on four analysts.
- Combined ratio: 96.1% versus 96.4% estimated by four analysts on average.
- Standard Commercial Lines - Combined Ratio: 96.4% versus the three-analyst average estimate of 96.8%.
- Standard Personal Lines - Combined Ratio: 98% compared to the 101.5% average estimate based on three analysts.
- Excess and Surplus Lines - Combined Ratio: 92.5% versus 86.7% estimated by three analysts on average.
- Revenues- Net premiums earned: $1.16 billion versus $1.17 billion estimated by five analysts on average. Compared to the year-ago quarter, this number represents a +10.3% change.
- Revenues- Net investment income earned: $120.70 million versus the five-analyst average estimate of $123.30 million. The reported number represents a year-over-year change of +12%.
- Revenues- Standard Personal Lines- Net Premiums Earned: $103.70 million versus $110.06 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a -0.1% change.
- Revenues- Standard Commercial Lines- Net Premiums Earned: $912.20 million compared to the $914.23 million average estimate based on four analysts. The reported number represents a change of +9.4% year over year.
- Revenues- Excess and Surplus Lines- Net Premiums Earned: $142.90 million compared to the $142.47 million average estimate based on four analysts. The reported number represents a change of +26.5% year over year.
- Revenues- Other income: $5.50 million compared to the $7.82 million average estimate based on four analysts. The reported number represents a change of -29.5% year over year.
View all Key Company Metrics for Selective Insurance here>>>Shares of Selective Insurance have returned +1.9% over the past month versus the Zacks S&P 500 composite's -6.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.