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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 1.36B | 2.5% |
| Gross Profit | 163M | 25.9% |
| Cost of Revenue | 1.2B | 0% |
| Operating expense | 18M | 15.4% |
| Net Income | 115M | 34.2% |
| EBITDA | 167M | 29.6% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 15B | 3.5% |
| Total Liabilities | 11.5B | 3.5% |
| Total Equity | 3.49B | 3.6% |
| Shares Outstanding | 61M | 0.5% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | 406M | 143.1% |
| Cash from investing | -359M | 67.1% |
| Cash from financing | -61M | 173.6% |
EPS
Financial Highlights for Selective Insurance Group in Q3 '25
Selective Insurance Group reported a revenue of 1.36B, which is a 2.5% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 163M, marking a 25.9% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 1.2B, a -0% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 18M, showing a -15.4% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 115M, showing a 34.2% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 167M, showing a 29.6% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
It was a positive quarter for Selective Insurance Group with growth in revenue, gross profit, and net income.
