Selective Insurance Q4 net income $2.52/sh, operating income $2.57/sh; combined ratio 93.8%

SELECTIVE INSURANCE GROUP INC

2025-FY EPS reported $7.49 revenue$5,336,928,000

Net premiums written $1,129.5M (+4% YoY); renewal pure price +8.3%.
Combined ratio improved 4.7 pts to 93.8% (Q4 2024: 98.5%) with no prior year casualty reserve development.
After-tax net investment income $114M (+17% YoY); book value per share $56.74 (+18% YoY).
Full year 2025 net income $7.49/sh; GAAP combined ratio 97.2% (improved from 103.0%).
2026 guidance: combined ratio 96.5%-97.5%; after-tax NII $465M; diluted shares ~61M.

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