Navigators Group (Navigators Group) Expense Ratio % : 39.80% (As of Mar. 2019)

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What is Navigators Group Expense Ratio %?

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It indicates the efficiency of the insurance company before considering its claims and investment gains or losses.

Navigators Group's Expense Ratio % for the quarter that ended in Mar. 2019 was 39.80% , which is higher than 35.90% for the pervious quarter ended in Sep. 2018.

Navigators Group's Expense Ratio % for the annual that ended in Dec. 2018 was 35.10% , which is lower than 35.20% for the pervious year ended in Dec. 2017.

The historical rank and industry rank for Navigators Group's Expense Ratio % or its related term are showing as below:

NAVG's Expense Ratio % is not ranked ^*
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Expense Ratio % only.

Navigators Group Expense Ratio % Historical Data

The historical data trend for Navigators Group's Expense Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Navigators Group Expense Ratio % Chart

Navigators Group Annual Data

Trend

Dec16

Dec17

Dec18

Expense Ratio %

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Combined Ratio %

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Claims Ratio %

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Navigators GroupQuarterly Data

Trend

Jun16

Sep16

Dec16

Mar17

Jun17

Sep17

Dec17

Mar18

Jun18

Sep18

Mar19

Expense Ratio %

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Combined Ratio %

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Claims Ratio %

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Navigators Group (NAS:NAVG) Expense Ratio % Calculation

Expense Ratio % is calculated as:

Expense Ratio %

Expenses of Acquiring, Underwriting and Servicing Premiums

Net Premium Earned

100%

Navigators Group (NAS:NAVG) Expense Ratio % Explanation

Expense Ratio % is the percentage of expenses associated with acquiring, underwriting, and servicing premiums to net premium earned. It can be used to make comparisons between insurance companies as well as measure their performance. An expense ratio below 100% suggests that the premiums an insurance company earned or wrote are more than the expenses it paid to support those premiums.

However, we should keep in mind that the ratio does not indicate an ending profitability. The overall profit is also influenced by the claims, investment gains or losses and other income. The ratio can be combined with Claims Ratio % and Combined Ratio % to get an overall performance of an insurance company.

Navigators Group Expense Ratio % Related Terms

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Navigators Group (Navigators Group) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Navigators Group Inc (NAS:NAVG) » Definitions » Expense Ratio %

Comparable Companies

Traded in Other Exchanges

N/A

Address

400 Atlantic Street, Stamford, CT, USA, 06901

Website

http://www.navg.com

Navigators Group is a property and casualty insurance company that operates multiple segments, including marine, property and casualty, and professional liabilities. Navigators splits these segments apart by region according to either United States exposure or international exposure. The vast majority of the company's revenue comes from its United States property and casualty business. Navigators distributes its products through a network of insurance brokers. The company considers merger and acquisition investment as a component of its operational growth strategy.

Executives

Meryl D Hartzband	director	C/O THE NAVIGATORS GROUP, INC., 400 ATLANTIC STREET, 8TH FLOOR, STAMFORD CT 06901
Patricia H Roberts	director	C/O THE NAVIGATORS GROUP, INC., 400 ATLANTIC STREET, 8TH FLOOR, STAMFORD CT 06901
Denise Lowsley	officer: SVP, Chief HR Officer	C/O THE HANOVER INSURANCE GROUP, INC., 440 LINCOLN STREET, WORCESTER MA 01653
Loriann Lowery-biggers	officer: SVP,Chief Marketing Officer	BALDWIN & LYONS, INC. 111 CONGRESSIONAL BLVD. CARMEL IN 46032
Bruce J Byrnes	officer: SVP & General Counsel	399 THORNAL STREET, EDISON NJ 08837
W Thomas Forrester	director	6300 WILSON MILLS ROAD, MAYFIELD VILLAGE OH 44143