Core Insights - Selective Insurance reported revenue of $1.35 billion for the quarter ended September 2025, reflecting a year-over-year increase of 9.1% and a slight revenue surprise of +0.42% over the Zacks Consensus Estimate [1] - The company's EPS for the quarter was $1.75, up from $1.40 in the same quarter last year, although it fell short of the consensus estimate of $1.84, resulting in an EPS surprise of -4.89% [1] Financial Performance Metrics - Underwriting expense ratio was reported at 30.6%, better than the average estimate of 31.1% from four analysts [4] - Combined ratio stood at 98.6%, slightly worse than the average estimate of 97.7% from four analysts [4] - Loss and loss expense ratio was 67.9%, compared to the estimated 67.1% by four analysts [4] - Standard Commercial Lines reported a combined ratio of 101.1%, worse than the estimated 98.8% [4] - Standard Personal Lines had a combined ratio of 110.1%, better than the estimated 110.8% [4] - Excess and Surplus Lines reported a combined ratio of 76.2%, significantly better than the estimated 86.3% [4] Revenue Breakdown - Net premiums earned in Standard Personal Lines were $101.5 million, below the average estimate of $103.98 million, representing a year-over-year decline of -5.6% [4] - Net premiums earned in Standard Commercial Lines were $947.3 million, exceeding the average estimate of $940.84 million, with an increase of +8.2% year-over-year [4] - Net investment income earned was $138.7 million, slightly above the average estimate of $137.71 million, reflecting a year-over-year increase of +17.7% [4] - Net premiums earned in Excess and Surplus Lines were $155.9 million, slightly below the average estimate of $156.68 million, with a year-over-year increase of +20.6% [4] - Total net premiums earned were reported at $1.2 billion, matching the average estimate, with a year-over-year increase of +8.3% [4] - Other income was reported at $8.7 million, below the average estimate of $9.67 million, representing a year-over-year decline of -2.3% [4] Stock Performance - Shares of Selective Insurance have returned +7.2% over the past month, outperforming the Zacks S&P 500 composite, which changed by +1.1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]