Selective Insurance (SIGI) Reports Q4 Earnings: What Key Metrics Have to Say

For the quarter ended December 2024, Selective Insurance (SIGI) reported revenue of $1.26 billion, up 14.4% over the same period last year. EPS came in at $1.62, compared to $1.94 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $1.28 billion, representing a surprise of -0.99%. The company delivered an EPS surprise of -18.18%, with the consensus EPS estimate being $1.98.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.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: 30.6% versus the five-analyst average estimate of 30.6%. Combined ratio: 98.5% versus the five-analyst average estimate of 96.1%. Loss and loss expense ratio: 67.8% versus the five-analyst average estimate of 65.3%. Standard Commercial Lines - Combined Ratio: 100.2% versus 96.2% estimated by three analysts on average. Standard Personal Lines - Combined Ratio: 91.7% versus 102% estimated by three analysts on average. Excess and Surplus Lines - Combined Ratio: 93.1% compared to the 85.2% average estimate based on three analysts. Revenues- Net premiums earned: $1.13 billion compared to the $1.15 billion average estimate based on five analysts. The reported number represents a change of +13.2% year over year. Revenues- Net investment income earned: $122.80 million versus the five-analyst average estimate of $119.38 million. The reported number represents a year-over-year change of +24.5%. Revenues- Excess and Surplus Lines- Net Premiums Earned: $141.30 million versus the four-analyst average estimate of $134.43 million. The reported number represents a year-over-year change of +30.7%. Revenues- Standard Commercial Lines- Net Premiums Earned: $884.60 million versus the four-analyst average estimate of $904.13 million. The reported number represents a year-over-year change of +11.7%. Revenues- Other income: $8.50 million versus $5.53 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +54.6% change. Revenues- Standard Personal Lines- Net Premiums Earned: $107.10 million compared to the $113.58 million average estimate based on four analysts. The reported number represents a change of +6% year over year. View all Key Company Metrics for Selective Insurance here>>>Shares of Selective Insurance have returned +1.8% over the past month versus the Zacks S&P 500 composite's +1.7% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.7 Best Stocks for the Next 30 DaysJust released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops."Since 1988, the full list has beaten the market more than 2X over with an average gain of +24.3% per year. So be sure to give these hand picked 7 your immediate attention. See them now >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Selective Insurance Group, Inc. (SIGI): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks