Company contact: Tony Tomich 818 / 673-3996 

FOR IMMEDIATE RELEASE 
November 1, 2006

21ST CENTURY INSURANCE GROUP REPORTS 35% INCREASE IN THIRD QUARTER NET INCOME AS NON-CALIFORNIA PREMIUM CLIMBS 79%

October 2006 entry into New Jersey a significant milestone as 21st now writes business in over half of the U.S. Private Passenger Auto Market

(WOODLAND HILLS, CA) - 21st Century Insurance Group (NYSE: TW) today reported net income of $28.4 million ($0.33 per basic share) for the third quarter of 2006, compared to $21.1 million ($0.25 per basic share) for the same period in 2005. The third quarter results include decreases to reserves for prior accident year losses and loss adjustment expenses (“LAE”) totaling $14.4 million, versus decreases of $1.2 million in the third quarter of 2005. The third quarter results also include $0.2 million of net realized investment gains, compared to net realized investment losses of $0.9 million in the third quarter of 2005. In October 2006, the Company announced its entry into the New Jersey private passenger automobile insurance market.

Other third quarter financial highlights:

 
·
Direct premiums written of $337.2 million, versus $349.1 million in the third quarter of 2005 (3.4% decrease)
 
·
California direct premiums written of $295.8 million, versus $326.0 million in the third quarter of 2005 (9.3% decrease)
 
·
Non-California direct premiums written of $41.4 million, versus $23.1 million in the third quarter of 2005 (79.6% increase)
 
·
GAAP combined ratio of 91.7% versus 95.2% for the third quarter of 2005. 2006 was favorably impacted by 4.4 points of prior accident year loss and LAE reserve decreases, versus 0.3 points in 2005



“We are turning 21st into a national competitor. As a direct-to-consumer company, having more markets and more consumers to target increases our opportunities and operating flexibility. In the third quarter, we continued to expand into new markets and maintained our profitability,” said President and Chief Executive Officer Bruce Marlow.

For the nine months ended September 30, 2006, net income was $78.0 million ($0.91 per basic share), compared to $61.0 million ($0.71 per basic share) for the same nine-month period in 2005. The 2006 nine-month results include decreases to prior accident year loss and LAE reserves totaling $39.5 million, versus decreases of $20.8 million for the same nine-month period in 2005. The 2006 nine-month results also include net realized investment losses of $0.9 million, compared to net realized investment losses of $2.7 million for the same nine-month period in 2005. Other nine-month financial highlights:

 
·
Direct premiums written of $992.6 million, versus $1,029.9 million for the same nine-month period in 2005 (3.6% decrease)
 
·
California direct premiums written of $895.0 million, versus $967.8 million for the same nine-month period in 2005 (7.5% decrease)
 
·
Non-California direct premiums written of $97.6 million, versus $62.1 million for the same nine-month period in 2005 (57.2% increase)
 
·
GAAP combined ratio of 92.6% versus 95.5% for the same nine-month period in 2005. 2006 was favorably impacted by 4.0 points of prior accident year loss and LAE reserve decreases, versus 2.0 points in 2005

Stockholders’ equity at September 30, 2006 increased to $897.6 million, compared to $813.0 million at September 30, 2005. Book value per share at September 30, 2006 improved to $10.39 per share from $9.47 per share at September 30, 2005. Operating cash flows for the third quarter of 2006 were $19.8 million, compared to $52.1 million in the same period of 2005. Operating cash flows for the nine months ended September 30, 2006 were $84.3 million, compared to $122.4 million for the same period of 2005.

The addition of New Jersey means more than 50 percent of the national auto insurance market has access to 21st’s low prices, superior policy features and great customer service. At $6.3 billion of Direct Written Premium, New Jersey is the 7th largest market for personal auto insurance in the United States. Regulatory reforms in 2003 have made the state more attractive for new entrants. New Jersey is the latest step in the company’s geographic expansion strategy, as 21st entered the Midwest in 2004, Texas in 2005 and three Eastern states - Florida, Georgia & Pennsylvania - during the second quarter of 2006. During the first ten months of 2006, the Company has increased the percentage of the U.S. personal auto market in which it operates from 34% to 53%.

2


“Over the last few years, the Company has consistently invested in the capability to execute its national expansion strategy. We are seeing the results of this focused effort, as the percent of our premium that is written outside California has grown steadily. We wrote 12.3% of the current quarter’s premium outside California, versus 6.6% during the same quarter last year,” said the Company’s Senior Vice President and Chief Financial Officer, Steve Erwin. “These investments and our consistent profitability show the strength and focus  of our business model. We have a conservative balance sheet and a strong capital position which  strongly support our national expansion strategy,“ added Erwin.

About 21st

Founded in 1958, 21st Century Insurance Group is a direct-to-consumer provider of personal auto insurance. With $1.4 billion of revenue in 2005, the Company insures over 1.5 million vehicles in Arizona, California, Florida, Georgia, Illinois, Indiana, Nevada, New Jersey, Ohio, Oregon, Pennsylvania, Texas and Washington. 21st provides superior policy features and 24/7 customer service at a competitive price. Customers can purchase insurance, service their policy or report a claim at 21st.com or on the phone with our licensed insurance professionals at 1-800-211-SAVE, 24 hours a day, 365 days a year. Service is offered in English and Spanish, both on the phone and on the web. 21st Century Insurance Company, 21st Century Casualty Company, and 21st Century Insurance Company of the Southwest are rated A+ by A. M. Best, Fitch Ratings and Standard & Poor’s.

3

 
21st Century Insurance Group is traded on the New York Stock Exchange under the trading symbol “TW” and is headquartered at 21st Century Plaza, 6301 Owensmouth Avenue, Woodland Hills, CA 91367.
 
**********

21st Century Insurance Group (NYSE: TW) will hold an earnings teleconference for investors on Thursday, November 2nd, 2006 at 11:00 a.m. EST. The public can find information about the call in the Investor Relations section of 21st.com. The call and its accompanying slides will be broadcast over the Internet via a webcast, as well.

Teleconference Details:
Dial in number - 1-800-599-9795
International dial in number - 1-617-786-2905
Passcode - 877-353-08

Teleconference Replay Details:
Available from 1pm (EST) on November 2nd, 2006 until 1pm (EST) on November 16th, 2006
Dial in number - 1-888-286-8010
International dial in number - 1-617-801-6888
Passcode - 326-759-67

**********

Cautionary Statement:
Statements contained herein and within other publicly available documents may include, and the Company's officers and representatives may from time to time make, statements that may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are not historical facts, but instead represent only the Company's belief regarding future events, many of which, by their nature, are inherently uncertain and outside of the Company's control. These statements may address, among other things, the Company's strategy for growth, underwriting results, expected combined ratio and growth of written premiums, product development, computer systems, litigation, regulatory environment and approvals, market position, financial results, dividend policy and reserves. It is possible that the Company's actual results, actions and financial condition may differ, possibly materially, from the anticipated results, actions and financial condition indicated in these forward-looking statements. Other important factors that could cause the Company's actual results and actions to differ, possibly materially, from those in the specific forward-looking statements include the effects of competition and competitors' pricing actions; changes in consumer preferences or buying habits; adverse underwriting and claims experience; customer service problems; the impact on Company operations of natural disasters, principally earthquake, or civil disturbance, due to the concentration of Company facilities and employees in Southern California; information system problems; control environment failures; adverse developments in financial markets or interest rates; results of legislative, regulatory or legal actions, including the inability to obtain regulatory approval for necessary licenses, rate changes and product changes and possible adverse actions by state regulators in market conduct examinations and rate proceedings; and the Company’s ability to service its debt, including its ability to receive dividends and/or sufficient payments from its subsidiaries to service its obligations. The Company is not under any obligation (and expressly disclaims any such obligation) to update or alter any forward-looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future events or otherwise. Additional financial information is available on the Company's website at 21st.com (which shall not be deemed to be incorporated in or a part of this release) or by request to the Investor Relations Department.

4


Disclosure of Non-GAAP Measures:
The Company may have included financial measures and other information in this document that may not be presented in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Management believes these financial measures and other information may enhance investors’ understanding of the Company’s operations or enhance their understanding of the industry, in general. However, these financial measures and other information are not intended to replace, and should be read in conjunction with, the GAAP financial results. When possible, the Company has made efforts to reconcile these financial measures and other information to the most directly comparable GAAP financial measures available.

(1) Premiums Written: Premiums written represent the premiums charged on policies issued and in effect during a fiscal period. Premiums Earned, the most directly comparable GAAP measure, represents the portion of premiums written that is recognized as income in the financial statements for the periods presented and earned on a pro-rata basis over the terms of the policies. Premiums Written are meant as supplemental information and are not intended to replace Premiums Earned. (2) Statutory Surplus: Statutory surplus represents equity as of the end of a fiscal period for the Company’s insurance entities, determined in accordance with Statutory Accounting Principles, as prescribed by insurance regulatory authorities. Stockholders’ Equity is the most directly comparable GAAP measure. Statutory Surplus is presented as supplemental information and is not intended to replace Stockholders’ Equity. (3) Underwriting Profit (Losses): Underwriting profit (loss) consists of net premiums earned less losses from claims, loss adjustment expenses and underwriting expenses. 21st believes that underwriting profit (loss) provides investors with financial information that is not only meaningful, but critically important to understanding the results of property and casualty insurance operations. The results of operations of a property and casualty insurance company include three components: underwriting profit (loss), net investment income and realized capital gains (losses). Without disclosure of underwriting profit (loss), it is difficult to determine how successful an insurance company is in its core business activity of assessing and underwriting risk, as including investment income and realized capital gains (losses) in the results of operations without disclosing underwriting profit (loss) can mask underwriting losses. Underwriting profit (loss) is presented as supplemental information and is not intended to replace Net Income.

These non-GAAP, financial measures should be read in conjunction with the GAAP financial results. The Company has reconciled these financial measures with the most directly comparable GAAP financial measures in the supplemental schedules.

**********

 Ó 2006 by 21st Century Insurance Group. All rights reserved

5

 
21st Century Insurance Group
Condensed Consolidated Statements of Operations
(Unaudited)
(Amounts in thousands, except share data)
                       
   
Q3'05
 
Q4'05
 
Q1'06
 
Q2'06
 
Q3'06
 
                       
Direct premiums written
 
$
349,118
 
$
316,466
 
$
338,569
 
$
316,837
 
$
337,217
 
Net premiums written
 
$
347,827
 
$
315,172
 
$
337,223
 
$
315,476
 
$
335,810
 
                                 
Net premiums earned
 
$
344,102
 
$
335,626
 
$
325,824
 
$
325,512
 
$
327,325
 
                                 
Net losses and loss adjustment expenses
   
258,105
   
241,513
   
236,496
   
223,094
   
222,550
 
Underwriting expenses
   
69,638
   
70,495
   
71,933
   
74,391
   
77,518
 
Underwriting profit
   
16,359
   
23,618
   
17,395
   
28,027
   
27,257
 
                                 
Net investment income
   
17,042
   
18,011
   
17,755
   
17,174
   
16,897
 
Other (expenses)/income
   
(3
)
 
(407
)
 
-
   
(913
)
 
58
 
Net realized investment losses (gains)
   
(939
)
 
(606
)
 
(1,067
)
 
30
   
159
 
Interest and fees expense
   
(1,988
)
 
(1,943
)
 
(1,898
)
 
(1,854
)
 
(1,820
)
Income before provision for income taxes
   
30,471
   
38,673
   
32,185
   
42,464
   
42,551
 
Provision for income taxes
   
9,369
   
12,281
   
10,868
   
14,143
   
14,144
 
Net income
 
$
21,102
 
$
26,392
 
$
21,317
 
$
28,321
 
$
28,407
 
                                 
                                 
Earnings per share - basic
 
$
0.25
 
$
0.31
 
$
0.25
 
$
0.33
 
$
0.33
 
Earnings per share - diluted
 
$
0.24
 
$
0.31
 
$
0.25
 
$
0.33
 
$
0.33
 
                                 
Weighted average shares outstanding - basic
                               
Basic
   
85,793,904
   
85,799,397
   
85,868,878
   
85,968,155
   
86,192,395
 
Diluted
   
86,205,599
   
86,427,724
   
86,517,163
   
86,232,103
   
86,454,509
 
                                 
                                 
Net losses and loss adjustment expense ratio
   
75.0
%
 
72.0
%
 
72.6
%
 
68.5
%
 
68.0
%
Underwriting expense ratio
   
20.2
%
 
21.0
%
 
22.1
%
 
22.9
%
 
23.7
%
Combined ratio
   
95.2
%
 
93.0
%
 
94.7
%
 
91.4
%
 
91.7
%
                                 
Reconciliation of direct premiums written to net premiums earned
       
Direct premiums written
 
$
349,118
 
$
316,466
 
$
338,569
 
$
316,837
 
$
337,217
 
Ceded premiums written
   
(1,291
)
 
(1,294
)
 
(1,346
)
 
(1,361
)
 
(1,407
)
Net premiums written
   
347,827
   
315,172
   
337,223
   
315,476
   
335,810
 
Net change in unearned premiums
   
(3,725
)
 
20,454
   
(11,399
)
 
10,036
   
(8,485
)
Net premiums earned
 
$
344,102
 
$
335,626
 
$
325,824
 
$
325,512
 
$
327,325
 
                                 
Net losses and loss adjustment expenses
             
Current accident year
 
$
259,301
 
$
245,870
 
$
243,511
 
$
241,215
 
$
236,942
 
Prior accident years
   
(1,196
)
 
(4,357
)
 
(7,015
)
 
(18,121
)
 
(14,392
)
Net losses and loss adjustment expenses
 
$
258,105
 
$
241,513
 
$
236,496
 
$
223,094
 
$
222,550
 
 
6


21st Century Insurance Group
Condensed Consolidated Balance Sheets
(Unaudited)
(Amounts in thousands, except share data)
                       
   
September 30,
2005
 
December 31,
2005
 
March 31,
2006
 
June 30,
2006
 
September 30,
2006
 
                       
Assets
                     
Investments:
                     
Available for sale
                     
Fixed maturity securities, at fair value
 
$
1,350,411
 
$
1,354,707
 
$
1,434,761
 
$
1,426,728
 
$
1,470,385
 
Equity securities, at fair value
   
46,380
   
47,367
   
850
   
-
   
-
 
Other long-term investments, equity method
   
-
   
-
   
-
   
-
   
9,443
 
Total Investments
   
1,396,791
   
1,402,074
   
1,435,611
   
1,426,728
   
1,479,828
 
Cash and cash equivalents
   
65,264
   
68,668
   
35,146
   
40,188
   
19,497
 
Accrued investment income
   
16,183
   
16,585
   
17,333
   
17,304
   
17,006
 
Premiums receivable
   
116,980
   
100,900
   
107,231
   
98,887
   
115,513
 
Reinsurance receivables and recoverables
   
5,914
   
6,539
   
6,223
   
6,521
   
6,550
 
Prepaid reinsurance premiums
   
1,870
   
1,946
   
2,023
   
2,072
   
2,141
 
Deferred income taxes
   
53,798
   
56,209
   
59,307
   
57,321
   
42,566
 
Deferred policy acquisition costs
   
63,760
   
59,939
   
62,919
   
68,248
   
67,592
 
Leased property under capital lease
   
25,339
   
22,651
   
21,587
   
20,568
   
19,998
 
Property and equipment, net of accumulated depreciation
   
145,841
   
145,811
   
147,047
   
148,213
   
152,480
 
Other assets
   
29,930
   
38,907
   
42,183
   
41,323
   
40,277
 
                                 
Total assets
 
$
1,921,670
 
$
1,920,229
 
$
1,936,610
 
$
1,927,373
 
$
1,963,448
 
                                 
Liabilities and stockholders' equity
                               
Liabilities
                               
Unpaid losses and loss adjustment expenses
 
$
517,614
 
$
523,835
 
$
508,428
 
$
495,092
 
$
484,258
 
Unearned premiums
   
340,055
   
319,676
   
331,152
   
321,166
   
329,719
 
Debt
   
131,095
   
127,972
   
124,796
   
121,619
   
118,853
 
Claims checks payable
   
40,711
   
42,681
   
40,609
   
38,363
   
39,697
 
Reinsurance payable
   
663
   
643
   
755
   
748
   
769
 
Other liabilities
   
78,514
   
75,450
   
94,057
   
95,220
   
92,529
 
Total liabilities
   
1,108,652
   
1,090,257
   
1,099,797
   
1,072,208
   
1,065,825
 
                                 
                                 
Stockholders' equity
                               
Common stock
   
86
   
86
   
86
   
86
   
86
 
Additional paid-in capital
   
423,795
   
425,454
   
430,360
   
435,889
   
438,618
 
Accumulated other comprehensive loss
   
(2,812
)
 
(10,382
)
 
(22,892
)
 
(31,500
)
 
(13,246
)
Treasury stock
   
-
   
(84
)
 
(84
)
 
(84
)
 
(106
)
Retained earnings
   
391,949
   
414,898
   
429,343
   
450,774
   
472,271
 
Total stockholders' equity
   
813,018
   
829,972
   
836,813
   
855,165
   
897,623
 
                                 
Total liabilities and stockholders' equity
 
$
1,921,670
 
$
1,920,229
 
$
1,936,610
 
$
1,927,373
 
$
1,963,448
 
                                 
Book Value Per Share
 
$
9.47
 
$
9.66
 
$
9.72
 
$
9.91
 
$
10.39
 
                                 
Outstanding Shares
   
85,835,038
   
85,933,960
   
86,095,739
   
86,335,335
   
86,372,668
 
 
7


21st Century Insurance Group
Condensed Consolidated Statements of Cash Flows
(Unaudited)
(Amounts in thousands)
                       
   
Q3'05
 
Q4'05
 
Q1'06
 
Q2'06
 
Q3'06
 
Operating activities
                     
Net Income
 
$
21,102
 
$
26,392
 
$
21,317
 
$
28,321
 
$
28,407
 
                                 
Adjustments to reconcile net income to net cash provided by operating activities:
       
Depreciation and amortization
   
9,507
   
9,258
   
6,661
   
6,643
   
7,089
 
Net amortization of investment premiums and discounts
   
2,365
   
2,165
   
2,007
   
2,489
   
2,822
 
Stock-based compensation cost
   
100
   
81
   
4,099
   
2,379
   
2,274
 
Provision for deferred income taxes
   
4,784
   
1,664
   
2,820
   
6,611
   
5,754
 
Net realized investment losses (gains)
   
1,062
   
493
   
1,067
   
(30
)
 
(159
)
                                 
Changes in assets and liabilities:
                               
Premiums receivable
   
(11,400
)
 
16,080
   
(6,331
)
 
8,344
   
(16,626
)
Deferred policy acquisition costs
   
(1,555
)
 
3,821
   
(2,980
)
 
(5,329
)
 
656
 
Reinsurance receivables and recoverables
   
(184
)
 
(722
)
 
352
   
(355
)
 
(76
)
Federal income taxes
   
(1,019
)
 
678
   
4,529
   
(1,743
)
 
(8,326
)
Other assets
   
1,482
   
(10,307
)
 
(2,880
)
 
1,015
   
3,397
 
Unpaid losses and loss adjustment expenses
   
22,092
   
6,221
   
(15,407
)
 
(13,336
)
 
(10,834
)
Unearned premiums
   
3,812
   
(20,379
)
 
11,476
   
(9,986
)
 
8,553
 
Claims checks payable
   
2,144
   
1,970
   
(2,072
)
 
(2,246
)
 
1,334
 
Other liabilities
   
(2,164
)
 
477
   
14,079
   
2,904
   
(4,433
)
Net cash provided by operating activities
   
52,128
   
37,892
   
38,737
   
25,681
   
19,832
 
                                 
Investing Activities
                               
Purchases of:
                               
Fixed maturity investments available-for-sale
   
(17,446
)
 
(42,102
)
 
(146,738
)
 
(33,441
)
 
(47,848
)
Equity securities available-for-sale
   
(78,762
)
 
(77,847
)
 
(35,627
)
 
-
   
-
 
Other long-term investments, equity method
   
-
   
-
   
-
   
-
   
(9,123
)
Property and equipment
   
(19,948
)
 
(6,544
)
 
(6,627
)
 
(6,719
)
 
(9,969
)
Sales, maturities, and calls of:
                               
Fixed maturity investments available-for-sale
   
8,987
   
24,949
   
42,161
   
25,803
   
29,527
 
Equity securities available-for-sale
   
81,196
   
75,696
   
83,989
   
847
   
-
 
Net cash used in investing activities
   
(25,973
)
 
(25,848
)
 
(62,842
)
 
(13,510
)
 
(37,413
)
                                 
Financing Activities
                               
Repayment of debt
   
(3,390
)
 
(3,260
)
 
(3,352
)
 
(3,388
)
 
(3,543
)
Dividends paid
   
(3
)
 
(6,874
)
 
(6,872
)
 
(6,891
)
 
-
 
Proceeds from exercise of stock options
   
1,180
   
1,494
   
718
   
3,126
   
406
 
Excess tax benefits from stock-based compensation
   
-
   
-
   
89
   
24
   
27
 
Net cash used in financing activities
   
(2,213
)
 
(8,640
)
 
(9,417
)
 
(7,129
)
 
(3,110
)
                                 
Net increase (decrease) in cash and cash equivalents
   
23,942
   
3,404
   
(33,522
)
 
5,042
   
(20,691
)
                                 
Cash and cash equivalents, beginning of period
   
41,322
   
65,264
   
68,668
   
35,146
   
40,188
 
Cash and cash equivalents, end of period
 
$
65,264
 
$
68,668
 
$
35,146
 
$
40,188
 
$
19,497
 
 
8


21st Century Insurance Group
Supplemental Operational Information
(Unaudited)
(Amounts in thousands, except ratios and vehicles in-force)
                       
   
Q3'05
 
Q4'05
 
Q1'06
 
Q2'06
 
Q3'06
 
Direct Premiums Written
                     
California
 
$
326,048
 
$
294,472
 
$
311,820
 
$
287,389
 
$
295,776
 
Non - California
   
23,070
   
21,994
   
26,749
   
29,449
   
41,441
 
Total direct premiums written
 
$
349,118
 
$
316,466
 
$
338,569
 
$
316,838
 
$
337,217
 
                                 
% of Direct Premiums Written
                               
California
   
93.4
%
 
93.1
%
 
92.1
%
 
90.7
%
 
87.7
%
Non - California
   
6.6
%
 
6.9
%
 
7.9
%
 
9.3
%
 
12.3
%
Total
   
100.0
%
 
100.0
%
 
100.0
%
 
100.0
%
 
100.0
%
                                 
Vehicles in-force
                               
California
   
1,447,471
   
1,413,909
   
1,382,296
   
1,359,217
   
1,323,381
 
Non-California
   
117,760
   
127,001
   
138,257
   
157,386
   
196,613
 
Total Vehicles In-force at end of quarter
   
1,565,231
   
1,540,910
   
1,520,553
   
1,516,603
   
1,519,994
 
                                 
Other Information
                               
Statutory surplus
 
$
657,666
 
$
704,671
 
$
725,144
 
$
755,326
 
$
781,633
 
Ratio of net premiums written to statutory surplus
   
2.1
   
1.9
   
1.8
   
1.7
   
1.6
 
Auto renewal ratio
   
92
%
 
91
%
 
91
%
 
91
%
 
91
%
                                 
Reconciliation of stockholders' equity to statutory surplus
                               
Stockholders' equity - GAAP
 
$
813,018
 
$
829,972
 
$
836,813
 
$
855,165
 
$
897,623
 
Condensed adjustments to reconcile GAAP stockholders' equity to statutory surplus:
                               
Equity in non-insurance entities
   
22,073
   
26,798
   
31,728
   
39,558
   
54,827
 
Capital lease obligation
   
3,095
   
2,975
   
1,178
   
(662
)
 
(2,542
)
Net unrealized losses on investments
   
644
   
10,788
   
31,683
   
44,778
   
16,956
 
Deferred policy acquisition costs
   
(63,760
)
 
(59,939
)
 
(62,919
)
 
(68,248
)
 
(67,592
)
Net deferred tax assets related to items nonadmitted under SAP
   
38,394
   
38,544
   
24,137
   
24,438
   
32,641
 
Assets nonadmitted for statutory purposes
   
(155,798
)
 
(144,467
)
 
(137,476
)
 
(139,703
)
 
(150,280
)
Statutory surplus
 
$
657,666
 
$
704,671
 
$
725,144
 
$
755,326
 
$
781,633
 

 
9


The following information was filed by 21St Century Insurance Group on Thursday, November 2, 2006 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-Q Quarterly Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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