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Selective Insurance Group (SIGI) investor relations material
Selective Insurance Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income per diluted share was $1.85 in Q3 2025, with non-GAAP operating income per share at $1.75, both up over 25% year-over-year.
Return on equity reached 14.0% in Q3 2025 and 13.0% for the nine months, exceeding the 12% target.
Net premiums written increased 4% year-over-year, with revenue and net income rising sharply due to premium growth and strong investment income.
Combined ratio improved to 98.6% in Q3 2025 from 99.5% a year ago, driven by lower catastrophe losses and improved underwriting.
Quarterly dividend increased 13% to $0.43 per share, with a new $200 million share repurchase program authorized.
Financial highlights
Total revenues for Q3 2025 were $1.36 billion, up 9% year-over-year.
After-tax net investment income rose 18% in Q3 and 16% for the nine months, reaching $110 million in Q3.
Book value per share increased 13% to $54.46 as of September 30, 2025.
Non-GAAP operating income per diluted share was $1.75 in Q3 2025 and $4.81 for the nine months.
Net underwriting income after-tax was $13.2 million, up 218% year-over-year.
Outlook and guidance
Full-year 2025 GAAP combined ratio expected at 97–98%, including 4 points of catastrophe losses.
After-tax net investment income guidance raised to $420 million; effective tax rate projected at 21.5%.
Weighted average diluted shares expected at 61.1 million.
Focus remains on underwriting discipline, pricing above loss trends, and technology investments to drive efficiency and growth.
Address Commercial Auto loss trends
Discuss the impact of new state expansion
Explain the increase in debt to total capitalization
Commercial auto: specific actions to improve profit?
External reserve review: Selective vs. industry trends?
Capital allocation strategy despite reserve pressure?
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Next Selective Insurance Group earnings date
Q4 20255 Feb, 2026
Next Selective Insurance Group earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Selective Insurance Group Inc. offers a range of commercial and personal insurance products, including property, casualty, and flood insurance. The company distributes its policies through independent agents and operates primarily in the United States. It is headquartered in Branchville, New Jersey, and its shares are listed on the NASDAQ.
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