The earnings call presented a mixed view. While there were strong performances in investment income, Excess and Surplus lines, and Personal Lines, the company faced significant challenges with reserve development, elevated combined ratios, and social inflation impacts. The highlights and lowlights were balanced, indicating both achievements and areas of concern.

Company Guidance -

Q3 2025

During the Selective Insurance Group's Second Quarter 2025 Earnings Conference Call, the company provided several key metrics and guidance on their performance and future outlook. The operating return on equity for the quarter was reported at 10.3%, with an 18% increase in investment income from the prior year. The overall combined ratio for the quarter stood at 100.2%, with an expected 6 points of catastrophe losses. Selective's insurance segments grew by 5%, and renewal pure price for Standard Commercial Lines increased by 8.9%. The company faced 3.8 points of unfavorable prior-year casualty reserve development, affecting the general liability and commercial auto segments, which led to a reserve strengthening of $45 million. Despite a challenging market, the Excess and Surplus Lines segment grew by 9%, with a combined ratio of 89.8%. For Personal Lines, the combined ratio improved significantly to 91.6%, with a 19% renewal pure price increase. The company revised its 2025 guidance, expecting a GAAP combined ratio between 97% and 98%, with after-tax net investment income projected at $415 million.

Strong Investment Income Growth

Investment income increased by 18% from the prior year period, contributing significantly to a return on equity of 10.3%.

Excess and Surplus Lines Performance

The Excess and Surplus lines grew by 9% this quarter, with an average renewal pure price increase of 9.3% and a combined ratio of 89.8%.

Improved Personal Lines Combined Ratio

The Personal Lines combined ratio improved to 91.6%, which is 26.5 points better than the previous year, indicating successful repositioning.

Renewal Pure Price Increases

Across all segments, renewal pure pricing was 9.9%, with significant increases in General Liability (11.9%), Commercial Auto (10.4%), and Property (7.8%).

Record Operating ROE in First Half

Operating ROE was 12.3% through the first half of the year, showcasing strong profitability and effective risk management.

Conservative Investment Portfolio

The average new purchase yield was 5.7% pretax, and the quarter-end average pretax book yield was 5%.

Selective Insurance Group (SIGI) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

SIGI Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	1.63 / -	1.4	―	―	―
Jul 23, 2025	2025 (Q2)	1.51 / 1.31	-1.1	219.09% (+2.41)
Apr 23, 2025	2025 (Q1)	1.85 / 1.76	1.33	32.33% (+0.43)
Jan 29, 2025	2024 (Q4)	1.99 / 1.62	1.94	-16.49% (-0.32)
Oct 21, 2024	2024 (Q3)	1.63 / 1.40	1.51	-7.28% (-0.11)
Jul 18, 2024	2024 (Q2)	1.49 / -1.10	0.99	-211.11% (-2.09)
May 01, 2024	2024 (Q1)	1.86 / 1.33	1.44	-7.64% (-0.11)
Jan 31, 2024	2023 (Q4)	1.94 / 1.94	1.46	32.88% (+0.48)
Nov 01, 2023	2023 (Q3)	1.58 / 1.51	0.99	52.53% (+0.52)
Aug 02, 2023	2023 (Q2)	0.99 / 0.99	1.17	-15.38% (-0.18)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SIGI Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 23, 2025	$89.96	$74.64	-17.03%
Apr 23, 2025	$90.06	$88.44	-1.80%
Jan 29, 2025	$92.73	$81.01	-12.64%
Oct 21, 2024	$95.27	$91.68	-3.77%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Selective Insurance (SIGI) report earnings?

Selective Insurance (SIGI) is schdueled to report earning on Oct 28, 2025, After Close (Confirmed).

What is Selective Insurance (SIGI) earnings time?

Selective Insurance (SIGI) earnings time is at Oct 28, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SIGI EPS forecast?

SIGI EPS forecast for the fiscal quarter 2025 (Q3) is 1.63.

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