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Safety Insurance Group (SAFT) Financials

Safety Insurance Group logo
$83.27 +1.65 (+2.02%)
Closing price 05/27/2025 04:00 PM Eastern
Extended Trading
$83.22 -0.05 (-0.07%)
As of 05/27/2025 04:04 PM Eastern
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Annual Income Statements for Safety Insurance Group

Annual Income Statements for Safety Insurance Group

This table shows Safety Insurance Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 71 19 47 131 138 100 83 62 65 -14 59
Consolidated Net Income / (Loss)		 71 19 47 131 138 100 83 62 65 -14 59
Net Income / (Loss) Continuing Operations		 71 19 47 131 138 100 83 62 65 -14 59
Total Pre-Tax Income 		90 24 60 164 175 124 104 87 93 -29 83
Total Revenue		 1,120 930 797 884 846 878 836 839 820 798 779
Net Interest Income / (Expense)		 -0.51 -0.82 -0.52 -0.52 -0.44 -0.09 -0.09 -0.09 -0.09 -0.09 -0.09
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 0.51 0.82 0.52 0.52 0.44 0.09 0.09 0.09 0.09 0.09 0.09
Long-Term Debt Interest Expense		 0.51 0.82 0.52 0.52 0.44 0.09 0.09 0.09 0.09 0.09 0.09
Total Non-Interest Income		 1,120 931 798 885 846 878 836 839 820 798 779
Other Service Charges		 32 26 15 15 17 17 18 18 18 18 19
Net Realized & Unrealized Capital Gains on Investments		 67 65 12 76 52 70 30 45 43 39 43
Premiums Earned		 1,011 834 759 774 771 789 782 774 756 738 717
Other Non-Interest Income		 10 5.01 12 20 5.85 1.94 6.92 2.08 3.19 2.39 0.88
Total Non-Interest Expense		 1,030 906 737 720 671 754 732 752 726 827 695
Property & Liability Insurance Claims		 717 642 492 462 405 510 486 504 493 613 476
Insurance Policy Acquisition Costs		 305 257 245 258 266 - - - - - -
Other Operating Expenses		 7.68 6.84 0.33 0.00 0.00 244 247 248 233 214 219
Income Tax Expense		 19 5.55 13 34 37 24 21 24 29 -15 24
Basic Earnings per Share		 $4.79 $1.28 $3.17 $8.85 $9.25 $6.52 $5.48 $4.13 $4.29 ($0.93) $3.93
Weighted Average Basic Shares Outstanding		 14.69M 14.66M 14.61M 14.83M 15.00M 15.20M 15.08M 15.01M 14.95M 14.87M 14.96M
Diluted Earnings per Share		 $4.78 $1.28 $3.15 $8.80 $9.18 $6.46 $5.43 $4.10 $4.27 ($0.93) $3.91
Weighted Average Diluted Shares Outstanding		 14.72M 14.71M 14.71M 14.93M 15.12M 15.34M 15.23M 15.14M 15.03M 14.87M 15.05M
Weighted Average Basic & Diluted Shares Outstanding		 14.84M 14.79M 14.80M 14.67M 14.89M 15.38M 15.20M 15.10M 15.10M 14.90M 15.10M
Cash Dividends to Common per Share		 $3.60 $3.60 $3.60 $3.60 $3.60 $3.40 $3.20 $3.00 $2.80 $2.80 $2.60

Quarterly Income Statements for Safety Insurance Group

This table shows Safety Insurance Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 8.13 26 17 20 12 1.95 17 -12 25 6.19
Consolidated Net Income / (Loss)		 8.13 26 17 20 12 1.95 17 -12 25 6.19
Net Income / (Loss) Continuing Operations		 8.13 26 17 20 12 1.95 17 -12 25 6.19
Total Pre-Tax Income 		10 33 21 26 16 2.48 21 -15 32 7.77
Total Revenue		 286 295 270 268 258 229 229 214 226 192
Net Interest Income / (Expense)		 -0.26 -0.12 0.00 -0.12 -0.12 -0.14 -0.35 -0.21 -0.13 -0.13
Total Interest Expense		 0.26 0.12 0.00 0.12 0.12 0.14 0.35 0.21 0.13 0.13
Total Non-Interest Income		 287 295 270 268 258 229 229 214 226 193
Other Service Charges		 8.60 8.22 7.66 7.16 7.20 7.01 6.49 5.62 4.56 3.75
Net Realized & Unrealized Capital Gains on Investments		 7.05 24 13 23 26 5.09 20 14 26 -2.00
Premiums Earned		 269 259 247 236 226 214 202 192 193 190
Other Non-Interest Income		 1.98 4.19 2.48 1.63 -0.54 2.83 0.55 2.17 2.82 0.88
Total Non-Interest Expense		 276 262 249 243 242 227 208 229 194 185
Property & Liability Insurance Claims		 193 182 173 168 172 160 144 167 132 124
Insurance Policy Acquisition Costs		 81 78 74 72 69 65 63 60 62 60
Other Operating Expenses		 2.17 1.90 1.78 1.84 1.64 2.01 1.52 1.67 0.12 0.21
Income Tax Expense		 1.99 7.02 4.60 5.53 3.52 0.53 4.47 -2.97 7.18 1.58
Basic Earnings per Share		 $0.56 $1.74 $1.13 $1.36 $0.84 $0.13 $1.15 ($0.84) $1.68 $0.42
Weighted Average Basic Shares Outstanding		 14.69M 14.84M 14.70M 14.67M 14.66M 14.65M 14.68M 14.68M 14.61M 14.60M
Diluted Earnings per Share		 $0.56 $1.73 $1.13 $1.36 $0.84 $0.13 $1.15 ($0.84) $1.67 $0.42
Weighted Average Diluted Shares Outstanding		 14.72M 14.87M 14.72M 14.70M 14.71M 14.68M 14.72M 14.76M 14.71M 14.71M
Weighted Average Basic & Diluted Shares Outstanding		 14.84M 14.84M 14.84M 14.84M 14.79M 14.79M 14.79M 14.87M 14.80M 14.74M
Cash Dividends to Common per Share		 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90

Annual Cash Flow Statements for Safety Insurance Group

This table details how cash moves in and out of Safety Insurance Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 21 13 -38 9.83 9.36 6.83 -4.13 22 -27 5.04 -13
Net Cash From Operating Activities		 129 52 44 141 109 112 128 82 99 23 98
Net Cash From Continuing Operating Activities		 129 52 44 141 109 112 128 82 99 23 98
Net Income / (Loss) Continuing Operations		 71 19 47 131 138 100 83 62 65 -14 59
Consolidated Net Income / (Loss)		 71 19 47 131 138 100 83 62 65 -14 59
Depreciation Expense		 9.47 6.95 6.61 6.90 7.53 10 11 12 9.77 8.87 13
Amortization Expense		 0.72 -0.31 1.69 4.23 6.54 - - - - - -
Non-Cash Adjustments to Reconcile Net Income		 -14 -6.95 24 -34 0.33 -14 -5.64 -0.61 -1.96 3.16 -1.68
Changes in Operating Assets and Liabilities, net		 62 34 -35 33 -43 16 40 8.27 26 25 27
Net Cash From Investing Activities		 -55 24 -20 -66 -36 -53 -83 -15 -84 24 -49
Net Cash From Continuing Investing Activities		 -55 24 -20 -66 -36 -53 -83 -15 -84 24 -49
Purchase of Property, Leasehold Improvements and Equipment		 -4.37 -1.78 -2.09 -8.23 -9.95 -9.59 -11 -5.96 -4.91 -4.04 -1.76
Purchase of Investment Securities		 -359 -164 -305 -448 -279 -263 -378 -240 -331 -259 -267
Sale and/or Maturity of Investments		 309 190 287 390 253 220 306 231 251 287 220
Net Cash From Financing Activities		 -53 -64 -63 -66 -65 -53 -49 -45 -42 -42 -62
Net Cash From Continuing Financing Activities		 -53 -64 -63 -66 -65 -53 -49 -45 -42 -42 -62
Issuance of Debt		 15 20 5.00 0.00 30 0.00 0.00 - - - -
Repayment of Debt		 -15 -25 0.00 0.00 - - - - - - -
Repurchase of Common Equity		 0.00 -5.24 -15 -12 -40 0.00 0.00 - - - -23
Payment of Dividends		 -53 -53 -53 -54 -55 -53 -49 -45 -42 -42 -39
Cash Interest Paid		 0.51 0.81 0.51 0.51 0.39 0.08 0.08 0.08 0.08 0.08 0.08
Cash Income Taxes Paid		 17 6.07 19 29 31 27 20 24 9.83 0.09 24

Quarterly Cash Flow Statements for Safety Insurance Group

This table details how cash moves in and out of Safety Insurance Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -3.62 18 14 -7.35 7.26 5.51 10 -9.98 -8.34 -5.45
Net Cash From Operating Activities		 50 74 26 -21 35 31 -0.55 -13 21 24
Net Cash From Continuing Operating Activities		 50 74 26 -21 35 31 -0.55 -13 21 24
Net Income / (Loss) Continuing Operations		 8.13 26 17 20 12 1.95 17 -12 25 6.19
Consolidated Net Income / (Loss)		 8.13 26 17 20 12 1.95 17 -12 25 6.19
Depreciation Expense		 2.46 2.40 2.35 2.26 1.85 1.77 1.65 1.69 1.62 1.61
Amortization Expense		 0.08 0.61 0.07 -0.04 -0.09 -0.03 -0.12 -0.07 0.69 0.55
Non-Cash Adjustments to Reconcile Net Income		 5.76 -13 0.21 -7.87 -8.61 9.72 -5.87 -2.19 -27 12
Changes in Operating Assets and Liabilities, net		 34 57 6.32 -36 30 17 -13 0.02 21 3.48
Net Cash From Investing Activities		 -41 -43 1.42 27 -15 -6.81 39 6.66 -21 -16
Net Cash From Continuing Investing Activities		 -41 -43 1.42 27 -15 -6.81 39 6.66 -21 -16
Purchase of Property, Leasehold Improvements and Equipment		 -0.16 -0.60 -0.54 -3.07 -0.38 -0.85 -0.02 -0.54 -0.57 -0.83
Purchase of Investment Securities		 -119 -136 -52 -51 -56 -44 -21 -43 -98 -55
Sale and/or Maturity of Investments		 79 94 54 82 41 38 60 51 77 40
Net Cash From Financing Activities		 -13 -13 -13 -14 -13 -18 -28 -3.75 -8.14 -13
Net Cash From Continuing Financing Activities		 -13 -13 -13 -14 -13 -18 -28 -3.75 -8.14 -13
Payment of Dividends		 -13 -13 -13 -14 -13 -13 -13 -14 -13 -13

Annual Balance Sheets for Safety Insurance Group

This table presents Safety Insurance Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 2,270 2,094 1,973 2,117 2,054 2,023 1,856 1,807 1,758 1,704 1,676
Cash and Due from Banks		 59 38 25 64 54 44 38 42 20 47 42
Trading Account Securities		 1,494 1,424 1,404 1,580 1,509 1,445 1,334 1,307 1,281 1,209 1,256
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 7.43 7.26 8.21 7.40 8.05 8.40 8.42 8.88 8.86 8.92 10
Customer and Other Receivables		 3.74 35 34 34 30 30 28 28 25 24 23
Unearned Premiums Asset		 41 32 28 24 22 35 34 32 29 23 20
Deferred Acquisition Cost		 105 92 76 73 75 74 73 72 71 69 67
Goodwill		 17 17 17 0.00 - - - - - - -
Intangible Assets		 7.73 7.55 7.86 0.00 - - - - - - -
Other Assets		 515 440 372 336 356 386 340 317 325 322 257
Total Liabilities & Shareholders' Equity		 2,270 2,094 1,973 2,117 2,054 2,023 1,856 1,807 1,758 1,704 1,676
Total Liabilities		 1,442 1,290 1,161 1,190 1,170 1,214 1,138 1,106 1,088 1,059 967
Short-Term Debt		 37 1.86 36 46 37 6.38 5.16 4.19 5.56 8.61 4.59
Other Short-Term Payables		 77 64 74 77 79 75 72 61 67 54 66
Long-Term Debt		 0.00 30 - - - - - - - - -
Claims and Claim Expense		 672 603 550 571 568 611 585 574 560 554 482
Unearned Premiums Liability		 620 528 433 413 422 442 435 428 418 402 390
Other Long-Term Liabilities		 36 62 67 83 63 80 40 39 37 41 25
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -
Total Equity & Noncontrolling Interests		 828 804 812 927 885 808 719 701 671 644 708
Total Preferred & Common Equity		 828 804 812 927 885 808 719 701 671 644 708
Total Common Equity		 828 804 812 927 885 808 719 701 671 644 708
Common Stock		 231 227 222 216 210 202 196 190 185 180 176
Retained Earnings		 799 781 815 822 745 662 617 571 554 532 588
Treasury Stock		 -150 -150 -145 -135 -124 -84 -84 -84 -84 -84 -84
Accumulated Other Comprehensive Income / (Loss)		 -51 -53 -81 25 54 28 -11 24 16 16 29

Quarterly Balance Sheets for Safety Insurance Group

This table presents Safety Insurance Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,271 2,162 2,093 2,052 2,016 1,990 1,934
Cash and Due from Banks		 63 45 31 31 25 15 34
Trading Account Securities		 1,483 1,417 1,399 1,359 1,374 1,418 1,375
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accrued Investment Income		 7.65 7.28 8.01 7.69 7.20 7.72 8.37
Customer and Other Receivables		 9.69 6.95 36 37 34 34 36
Unearned Premiums Asset		 38 36 34 30 30 29 27
Deferred Acquisition Cost		 107 101 94 92 84 77 77
Goodwill		 17 17 17 17 17 17 -
Intangible Assets		 7.97 7.13 7.34 7.24 7.44 7.64 -
Other Assets		 519 526 467 472 436 385 377
Total Liabilities & Shareholders' Equity		 2,271 2,162 2,093 2,052 2,016 1,990 1,934
Total Liabilities		 1,419 1,352 1,286 1,282 1,222 1,187 1,150
Short-Term Debt		 37 42 36 32 35 45 33
Other Short-Term Payables		 69 68 61 62 60 53 59
Long-Term Debt		 0.00 0.00 0.00 - - - -
Claims and Claim Expense		 644 622 604 584 565 570 545
Unearned Premiums Liability		 622 587 544 525 489 445 437
Other Long-Term Liabilities		 47 34 41 79 74 73 75
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 - 0.00
Total Equity & Noncontrolling Interests		 851 810 807 770 794 803 784
Total Preferred & Common Equity		 851 810 807 770 794 803 784
Total Common Equity		 851 810 807 770 794 803 784
Common Stock		 230 229 228 225 225 223 221
Retained Earnings		 804 791 788 782 793 790 804
Treasury Stock		 -150 -150 -150 -150 -150 -145 -150
Accumulated Other Comprehensive Income / (Loss)		 -32 -60 -59 -88 -74 -65 -90

Annual Metrics And Ratios for Safety Insurance Group

This table displays calculated financial ratios and metrics derived from Safety Insurance Group's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 20.36% 16.70% -9.88% 4.56% -3.64% 4.94% -0.31% 2.35% 2.74% 2.46% 4.50%
EBITDA Growth		 222.13% -54.25% -61.30% -7.12% 40.74% 16.69% 16.51% -4.22% 621.12% -120.50% -3.57%
EBIT Growth		 268.00% -59.01% -63.73% -6.01% 41.20% 18.72% 20.24% -7.06% 425.65% -134.38% -4.98%
NOPAT Growth		 274.75% -59.46% -64.38% -5.43% 38.76% 19.72% 33.35% -3.40% 422.10% -133.78% -3.26%
Net Income Growth		 274.75% -59.46% -64.38% -5.43% 38.76% 19.72% 33.35% -3.40% 566.22% -123.34% -3.26%
EPS Growth		 273.44% -59.37% -64.20% -4.14% 42.11% 18.97% 32.44% -3.98% 559.14% -123.79% -1.76%
Operating Cash Flow Growth		 146.94% 17.57% -68.65% 29.17% -2.66% -11.93% 55.64% -16.98% 331.72% -76.54% -11.99%
Free Cash Flow Firm Growth		 33.27% -81.90% 117.86% 153.07% 261.70% -86.66% 92.99% -19.15% 4.24% -27.78% 10.37%
Invested Capital Growth		 3.50% -1.44% -12.87% 5.62% 13.14% 12.57% 2.64% 4.28% 3.55% -8.38% 0.62%
Revenue Q/Q Growth		 2.58% 3.56% 0.03% -0.73% 1.03% 2.46% -1.26% 0.79% 0.73% 0.30% 0.89%
EBITDA Q/Q Growth		 -4.65% -34.91% -11.17% -9.78% 21.36% 10.13% 8.18% -2.87% 3.66% -6.36% -0.39%
EBIT Q/Q Growth		 -5.93% -39.73% -12.06% -14.47% 22.65% 11.08% 9.54% -4.74% 1.89% 6.82% -2.86%
NOPAT Q/Q Growth		 -5.52% -39.59% -13.74% -13.79% 21.94% 10.86% 9.24% -1.02% 2.64% 6.82% -2.11%
Net Income Q/Q Growth		 -5.52% -39.59% -13.74% -13.79% 21.94% 10.86% 9.24% -1.02% 2.64% -0.58% -2.11%
EPS Q/Q Growth		 -5.53% -39.34% -15.55% -13.04% 23.55% 10.62% 9.26% -1.20% 1.91% 2.11% -1.76%
Operating Cash Flow Q/Q Growth		 13.56% 37.06% -18.18% -1.76% -7.95% 5.15% 4.36% 12.23% -9.74% 8.09% -12.39%
Free Cash Flow Firm Q/Q Growth		 456.26% -33.70% -22.87% 75.56% -2.48% -20.78% -13.41% -14.12% 129.81% 2.47% -2.39%
Invested Capital Q/Q Growth		 -2.58% 4.28% 3.78% -1.28% 4.80% 2.07% 0.63% -1.74% -2.50% 0.67% 0.54%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 8.94% 3.34% 8.52% 19.83% 22.33% 15.29% 13.75% 11.76% 12.57% -2.48% 12.38%
EBIT Margin		 8.03% 2.63% 7.48% 18.57% 20.66% 14.10% 12.46% 10.33% 11.38% -3.59% 10.70%
Profit (Net Income) Margin		 6.32% 2.03% 5.84% 14.78% 16.34% 11.35% 9.95% 7.44% 7.88% -1.74% 7.62%
Tax Burden Percent		 78.71% 77.29% 78.15% 79.57% 79.08% 80.53% 79.80% 71.96% 69.24% 48.36% 71.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 99.93% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 21.29% 22.71% 21.85% 20.43% 20.92% 19.47% 20.20% 28.04% 30.76% 0.00% 28.76%
Return on Invested Capital (ROIC)		 8.31% 2.24% 5.11% 13.79% 15.92% 12.95% 11.64% 9.03% 9.72% -2.94% 8.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.31% 2.24% 5.11% 13.79% 15.92% 12.95% 11.64% 9.03% 9.72% 91.00% 8.35%
Return on Net Nonoperating Assets (RNNOA)		 0.35% 0.09% 0.24% 0.64% 0.41% 0.10% 0.08% 0.06% 0.10% 0.89% 0.11%
Return on Equity (ROE)		 8.66% 2.34% 5.35% 14.43% 16.33% 13.04% 11.72% 9.10% 9.82% -2.05% 8.46%
Cash Return on Invested Capital (CROIC)		 4.87% 3.69% 18.86% 8.32% 3.59% 1.12% 9.04% 4.85% 6.23% 5.82% 7.74%
Operating Return on Assets (OROA)		 4.12% 1.20% 2.91% 7.88% 8.57% 6.38% 5.69% 4.86% 5.39% -1.70% 5.05%
Return on Assets (ROA)		 3.24% 0.93% 2.28% 6.27% 6.78% 5.14% 4.54% 3.50% 3.73% -0.82% 3.60%
Return on Common Equity (ROCE)		 8.66% 2.34% 5.35% 14.43% 16.33% 13.04% 11.72% 9.10% 9.82% -2.05% 8.46%
Return on Equity Simple (ROE_SIMPLE)		 8.54% 2.35% 5.73% 14.10% 15.62% 12.32% 11.58% 8.90% 9.63% -2.15% 8.38%
Net Operating Profit after Tax (NOPAT)		 71 19 47 131 138 100 83 62 65 -20 59
NOPAT Margin		 6.32% 2.03% 5.84% 14.78% 16.34% 11.35% 9.95% 7.44% 7.88% -2.51% 7.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -93.93% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 91.97% 97.37% 92.52% 81.43% 79.34% 85.90% 87.54% 89.67% 88.62% 103.59% 89.30%
Earnings before Interest and Taxes (EBIT)		 90 24 60 164 175 124 104 87 93 -29 83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 100 31 68 175 189 134 115 99 103 -20 96
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.48 1.34 1.40 1.23 1.12 1.44 1.37 1.33 1.21 0.92 0.90
Price to Tangible Book Value (P/TBV)		 1.52 1.38 1.44 1.23 1.12 1.44 1.37 1.33 1.21 0.92 0.90
Price to Revenue (P/Rev)		 1.09 1.16 1.42 1.29 1.17 1.33 1.18 1.11 0.99 0.74 0.82
Price to Earnings (P/E)		 17.29 57.02 24.33 8.72 7.19 11.68 11.86 14.90 12.60 0.00 10.73
Dividend Yield		 4.37% 4.95% 4.68% 4.73% 5.40% 4.50% 4.96% 4.91% 5.21% 7.12% 6.13%
Earnings Yield		 5.79% 1.75% 4.11% 11.46% 13.91% 8.56% 8.43% 6.71% 7.93% 0.00% 9.32%
Enterprise Value to Invested Capital (EV/IC)		 1.39 1.28 1.35 1.15 1.06 1.38 1.32 1.26 1.18 0.85 0.84
Enterprise Value to Revenue (EV/Rev)		 1.07 1.15 1.44 1.27 1.16 1.28 1.14 1.06 0.98 0.69 0.77
Enterprise Value to EBITDA (EV/EBITDA)		 12.00 34.45 16.85 6.40 5.17 8.39 8.30 9.04 7.76 0.00 6.21
Enterprise Value to EBIT (EV/EBIT)		 13.36 43.81 19.20 6.84 5.59 9.09 9.15 10.29 8.57 0.00 7.19
Enterprise Value to NOPAT (EV/NOPAT)		 16.97 56.69 24.57 8.59 7.07 11.30 11.47 14.30 12.38 0.00 10.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.33 20.53 25.81 7.94 8.92 10.01 7.47 10.87 8.09 24.22 6.14
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.97 34.40 6.66 14.24 31.34 130.61 14.77 26.65 19.31 13.96 10.90
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.04 0.04 0.04 0.05 0.04 0.01 0.01 0.01 0.01 0.01 0.01
Long-Term Debt to Equity		 0.00 0.04 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.04 0.04 0.05 0.05 0.03 0.01 0.01 0.01 0.01 0.01 0.01
Leverage Ratio		 2.67 2.52 2.35 2.30 2.41 2.54 2.58 2.60 2.63 2.50 2.35
Compound Leverage Factor		 2.67 2.52 2.35 2.30 2.41 2.54 2.58 2.60 2.63 2.50 2.35
Debt to Total Capital		 4.27% 3.81% 4.29% 4.77% 4.03% 0.78% 0.71% 0.59% 0.82% 1.32% 0.64%
Short-Term Debt to Total Capital		 4.27% 0.22% 4.29% 4.77% 4.03% 0.78% 0.71% 0.59% 0.82% 1.32% 0.64%
Long-Term Debt to Total Capital		 0.00% 3.59% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.73% 96.19% 95.71% 95.23% 95.97% 99.22% 99.29% 99.41% 99.18% 98.68% 99.36%
Debt to EBITDA		 0.37 1.03 0.54 0.27 0.20 0.05 0.04 0.04 0.05 -0.44 0.05
Net Debt to EBITDA		 -0.22 -0.20 0.16 -0.10 -0.09 -0.28 -0.28 -0.38 -0.14 1.97 -0.39
Long-Term Debt to EBITDA		 0.00 0.97 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.52 1.69 0.78 0.36 0.27 0.06 0.06 0.07 0.09 -0.43 0.08
Net Debt to NOPAT		 -0.31 -0.33 0.24 -0.13 -0.12 -0.38 -0.39 -0.60 -0.22 1.94 -0.64
Long-Term Debt to NOPAT		 0.00 1.59 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 41 31 172 79 31 8.62 65 33 41 40 55
Operating Cash Flow to CapEx		 2,947.50% 2,922.83% 2,118.83% 1,719.08% 1,100.54% 1,172.15% 1,141.83% 1,376.97% 2,012.71% 566.47% 5,543.69%
Free Cash Flow to Firm to Interest Expense		 81.44 38.02 327.96 151.12 70.84 95.76 717.77 371.92 460.01 441.29 611.04
Operating Cash Flow to Interest Expense		 252.83 63.71 84.59 270.87 248.77 1,249.51 1,418.79 911.56 1,098.04 254.34 1,084.10
Operating Cash Flow Less CapEx to Interest Expense		 244.25 61.53 80.60 255.11 226.17 1,142.91 1,294.53 845.36 1,043.49 209.44 1,064.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.51 0.46 0.39 0.42 0.41 0.45 0.46 0.47 0.47 0.47 0.47
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 865 836 848 974 922 815 724 705 676 653 713
Invested Capital Turnover		 1.32 1.10 0.87 0.93 0.97 1.14 1.17 1.21 1.23 1.17 1.10
Increase / (Decrease) in Invested Capital		 29 -12 -125 52 107 91 19 29 23 -60 4.36
Enterprise Value (EV)		 1,201 1,070 1,144 1,123 977 1,126 954 892 800 554 599
Market Capitalization		 1,223 1,076 1,133 1,140 994 1,164 986 929 814 593 637
Book Value per Share		 $55.83 $54.37 $55.10 $61.89 $59.40 $52.55 $47.01 $46.06 $44.27 $42.70 $47.19
Tangible Book Value per Share		 $54.16 $52.71 $53.40 $61.89 $59.40 $52.55 $47.01 $46.06 $44.27 $42.70 $47.19
Total Capital		 865 836 848 974 922 815 724 705 676 653 713
Total Debt		 37 32 36 46 37 6.38 5.16 4.19 5.56 8.61 4.59
Total Long-Term Debt		 0.00 30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -22 -6.29 11 -17 -17 -38 -32 -38 -14 -39 -38
Capital Expenditures (CapEx)		 4.37 1.78 2.09 8.23 9.95 9.59 11 5.96 4.91 4.04 1.76
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -6.20 0.00
Net Nonoperating Obligations (NNO)		 37 32 36 46 37 6.38 5.16 4.19 5.56 8.61 4.59
Total Depreciation and Amortization (D&A)		 10 6.64 8.30 11 14 10 11 12 9.77 8.87 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.79 $1.28 $3.17 $8.85 $9.25 $6.52 $5.48 $4.13 $4.29 ($0.93) $3.93
Adjusted Weighted Average Basic Shares Outstanding		 14.69M 14.66M 14.61M 14.83M 15.00M 15.20M 15.08M 15.01M 14.95M 14.87M 15.11M
Adjusted Diluted Earnings per Share		 $4.78 $1.28 $3.15 $8.80 $9.18 $6.46 $5.43 $4.10 $4.27 ($0.93) $3.91
Adjusted Weighted Average Diluted Shares Outstanding		 14.72M 14.71M 14.71M 14.93M 15.12M 15.34M 15.23M 15.14M 15.03M 14.87M 15.20M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $6.52 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.84M 14.79M 14.80M 14.67M 14.89M 15.38M 15.29M 15.22M 15.15M 15.09M 15.01M
Normalized Net Operating Profit after Tax (NOPAT)		 71 19 47 131 138 100 83 62 65 -20 59
Normalized NOPAT Margin		 6.32% 2.03% 5.84% 14.78% 16.34% 11.35% 9.95% 7.44% 7.88% -2.51% 7.62%
Pre Tax Income Margin		 8.03% 2.63% 7.48% 18.57% 20.66% 14.09% 12.46% 10.33% 11.38% -3.59% 10.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 176.55 29.85 113.70 314.69 397.20 1,375.23 1,158.34 963.33 1,036.47 -318.28 925.76
NOPAT to Interest Expense		 138.97 23.07 88.86 250.40 314.12 1,106.68 924.39 693.19 717.61 -222.79 659.49
EBIT Less CapEx to Interest Expense		 167.98 27.67 109.71 298.94 374.60 1,268.63 1,034.09 897.13 981.91 -363.18 906.20
NOPAT Less CapEx to Interest Expense		 130.39 20.89 84.86 234.65 291.51 1,000.08 800.13 626.99 663.06 -267.69 639.93
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 75.39% 282.34% 113.91% 41.32% 39.49% 52.88% 58.67% 72.87% 65.44% -303.01% 66.22%
Augmented Payout Ratio		 75.39% 310.10% 145.27% 50.17% 68.43% 52.88% 58.67% 72.87% 65.44% -303.01% 105.75%

Quarterly Metrics And Ratios for Safety Insurance Group

This table displays calculated financial ratios and metrics derived from Safety Insurance Group's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 10.90% 28.77% 17.78% 25.55% 14.11% 19.17% 24.87% 9.58% 0.10% -9.96%
EBITDA Growth		 -27.83% 751.84% 2.90% 303.26% -48.71% -57.26% 98.29% -211.95% -19.97% -71.10%
EBIT Growth		 -35.89% 1,228.96% -1.08% 267.29% -50.49% -67.84% 117.12% -251.34% -20.39% -75.29%
NOPAT Growth		 -33.69% 1,228.32% -2.15% 287.38% -50.22% -68.52% 115.18% -236.70% -23.15% -75.05%
Net Income Growth		 -33.69% 1,228.32% -2.15% 262.75% -50.22% -68.52% 115.18% -257.40% -23.15% -75.05%
EPS Growth		 -33.33% 1,230.77% -1.74% 261.90% -49.70% -69.05% 116.98% -258.49% -25.78% -74.39%
Operating Cash Flow Growth		 43.84% 142.01% 4,786.63% -63.94% 67.23% 29.02% -103.64% 15.61% -31.97% -50.74%
Free Cash Flow Firm Growth		 -186.37% -443.97% -115.01% -50.61% -83.66% -89.93% -67.80% 2.62% 858.02% 313.76%
Invested Capital Growth		 3.50% 10.79% 2.77% -0.52% -1.44% -1.92% -2.94% -6.64% -12.87% -17.12%
Revenue Q/Q Growth		 -2.96% 9.39% 0.64% 3.81% 12.68% 0.05% 7.28% -5.65% 17.67% 4.84%
EBITDA Q/Q Growth		 -64.75% 51.74% -14.96% 58.66% 316.09% -81.67% 267.98% -140.04% 246.70% -14.95%
EBIT Q/Q Growth		 -69.25% 54.96% -17.07% 62.23% 537.48% -88.47% 240.24% -148.01% 314.09% -22.13%
NOPAT Q/Q Growth		 -68.59% 55.62% -17.14% 63.74% 529.14% -88.54% 258.67% -143.50% 297.77% -21.63%
Net Income Q/Q Growth		 -68.59% 55.62% -17.14% 63.74% 529.14% -88.54% 237.81% -150.09% 297.77% -21.63%
EPS Q/Q Growth		 -67.63% 53.10% -16.91% 61.90% 546.15% -88.70% 236.90% -150.30% 297.62% -20.75%
Operating Cash Flow Q/Q Growth		 -31.70% 188.46% 221.07% -160.30% 14.92% 5,686.26% 95.76% -161.51% -11.34% 57.60%
Free Cash Flow Firm Q/Q Growth		 65.10% -859.95% -125.77% 0.03% 38.98% -58.11% -15.19% -66.91% -14.34% 33.96%
Invested Capital Q/Q Growth		 -2.58% 4.30% 0.97% 0.88% 4.28% -3.25% -2.26% -0.05% 3.78% -4.26%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 4.42% 12.16% 8.77% 10.38% 6.79% 1.84% 10.04% -6.41% 15.11% 5.13%
EBIT Margin		 3.53% 11.15% 7.87% 9.55% 6.11% 1.08% 9.37% -7.17% 14.09% 4.00%
Profit (Net Income) Margin		 2.84% 8.77% 6.17% 7.49% 4.75% 0.85% 7.42% -5.78% 10.88% 3.22%
Tax Burden Percent		 80.35% 78.68% 78.34% 78.41% 77.69% 78.72% 79.20% 80.60% 77.44% 79.65%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 99.76% 100.97%
Effective Tax Rate		 19.65% 21.32% 21.66% 21.59% 22.31% 21.28% 20.80% 0.00% 22.56% 20.35%
Return on Invested Capital (ROIC)		 3.74% 11.33% 7.52% 8.72% 5.24% 0.94% 7.60% -4.66% 9.52% 2.84%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.74% 11.33% 7.52% 8.72% 5.24% 0.94% 7.60% -8.21% 9.52% 2.84%
Return on Net Nonoperating Assets (RNNOA)		 0.16% 0.48% 0.36% 0.44% 0.22% 0.04% 0.33% -0.45% 0.45% 0.15%
Return on Equity (ROE)		 3.89% 11.81% 7.88% 9.16% 5.46% 0.98% 7.93% -5.11% 9.97% 3.00%
Cash Return on Invested Capital (CROIC)		 4.87% -1.38% 3.33% 6.59% 3.69% 5.79% 7.20% 9.87% 18.86% 24.70%
Operating Return on Assets (OROA)		 1.81% 5.63% 3.86% 4.61% 2.80% 0.49% 4.07% -2.94% 5.49% 1.56%
Return on Assets (ROA)		 1.46% 4.43% 3.03% 3.61% 2.17% 0.38% 3.23% -2.37% 4.24% 1.26%
Return on Common Equity (ROCE)		 3.89% 11.81% 7.88% 9.16% 5.46% 0.98% 7.93% -5.11% 9.97% 3.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.79% 6.29% 6.36% 0.00% 4.06% 4.47% 3.29% 0.00% 6.88%
Net Operating Profit after Tax (NOPAT)		 8.13 26 17 20 12 1.95 17 -11 25 6.19
NOPAT Margin		 2.84% 8.77% 6.17% 7.49% 4.75% 0.85% 7.42% -5.02% 10.88% 3.22%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.55% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 96.47% 88.85% 92.13% 90.45% 93.89% 98.92% 90.63% 107.17% 85.91% 96.00%
Earnings before Interest and Taxes (EBIT)		 10 33 21 26 16 2.48 21 -15 32 7.70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 36 24 28 18 4.22 23 -14 34 9.86
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.48 1.43 1.37 1.49 1.34 1.25 1.28 1.29 1.40 1.41
Price to Tangible Book Value (P/TBV)		 1.52 1.47 1.42 1.54 1.38 1.29 1.32 1.34 1.44 1.41
Price to Revenue (P/Rev)		 1.09 1.11 1.09 1.22 1.16 1.07 1.18 1.27 1.42 1.39
Price to Earnings (P/E)		 17.29 16.21 21.86 23.43 57.02 30.87 28.65 39.37 24.33 20.54
Dividend Yield		 4.37% 4.40% 4.80% 4.43% 4.95% 5.52% 5.26% 5.13% 4.68% 4.79%
Earnings Yield		 5.79% 6.17% 4.57% 4.27% 1.75% 3.24% 3.49% 2.54% 4.11% 4.87%
Enterprise Value to Invested Capital (EV/IC)		 1.39 1.34 1.30 1.43 1.28 1.20 1.24 1.26 1.35 1.36
Enterprise Value to Revenue (EV/Rev)		 1.07 1.09 1.08 1.23 1.15 1.08 1.19 1.31 1.44 1.39
Enterprise Value to EBITDA (EV/EBITDA)		 12.00 11.32 15.16 16.63 34.45 20.24 19.23 25.46 16.85 14.50
Enterprise Value to EBIT (EV/EBIT)		 13.36 12.43 17.05 18.48 43.81 23.83 22.44 31.28 19.20 16.36
Enterprise Value to NOPAT (EV/NOPAT)		 16.97 15.86 21.80 23.54 56.69 30.91 28.92 40.50 24.57 20.53
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.33 10.48 15.86 27.52 20.53 25.40 32.93 22.88 25.81 20.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 28.97 0.00 39.68 21.67 34.40 20.58 16.95 12.32 6.66 4.97
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.06 0.04 0.04
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 0.04 0.04 0.05 0.05 0.04 0.04 0.04 0.05 0.05 0.05
Leverage Ratio		 2.67 2.67 2.60 2.54 2.52 2.57 2.46 2.39 2.35 2.38
Compound Leverage Factor		 2.67 2.67 2.60 2.54 2.52 2.57 2.46 2.39 2.35 2.41
Debt to Total Capital		 4.27% 4.15% 4.88% 4.32% 3.81% 4.00% 4.22% 5.31% 4.29% 4.05%
Short-Term Debt to Total Capital		 4.27% 4.15% 4.88% 4.32% 0.22% 4.00% 4.22% 5.31% 4.29% 4.05%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 3.59% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 95.73% 95.85% 95.12% 95.68% 96.19% 96.00% 95.78% 94.69% 95.71% 95.95%
Debt to EBITDA		 0.37 0.35 0.57 0.50 1.03 0.67 0.66 1.07 0.54 0.43
Net Debt to EBITDA		 -0.22 -0.25 -0.04 0.08 -0.20 0.02 0.18 0.71 0.16 -0.01
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.97 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.52 0.49 0.82 0.71 1.69 1.03 0.99 1.71 0.78 0.61
Net Debt to NOPAT		 -0.31 -0.34 -0.06 0.11 -0.33 0.04 0.27 1.13 0.24 -0.01
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 1.59 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -21 -61 -6.31 24 24 18 42 50 150 175
Operating Cash Flow to CapEx		 32,528.39% 12,241.29% 4,729.94% -689.11% 9,199.74% 3,588.35% -3,211.76% -2,409.72% 3,677.19% 2,844.89%
Free Cash Flow to Firm to Interest Expense		 -80.73 -488.80 0.00 199.17 202.40 126.77 120.88 236.20 1,135.77 1,325.86
Operating Cash Flow to Interest Expense		 192.44 595.28 0.00 -171.83 289.68 219.43 -1.57 -61.39 158.79 179.10
Operating Cash Flow Less CapEx to Interest Expense		 191.85 590.42 0.00 -196.76 286.53 213.32 -1.62 -63.94 154.47 172.80
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.51 0.50 0.49 0.48 0.46 0.45 0.43 0.41 0.39 0.39
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 865 888 852 844 836 802 829 848 848 817
Invested Capital Turnover		 1.32 1.29 1.22 1.16 1.10 1.11 1.02 0.93 0.87 0.88
Increase / (Decrease) in Invested Capital		 29 87 23 -4.42 -12 -16 -25 -60 -125 -169
Enterprise Value (EV)		 1,201 1,188 1,110 1,207 1,070 966 1,026 1,069 1,144 1,108
Market Capitalization		 1,223 1,213 1,113 1,202 1,076 965 1,017 1,039 1,133 1,109
Book Value per Share		 $55.83 $57.38 $54.61 $54.56 $54.37 $52.04 $53.40 $54.25 $55.10 $53.21
Tangible Book Value per Share		 $54.16 $55.70 $52.97 $52.91 $52.71 $50.39 $51.75 $52.58 $53.40 $53.21
Total Capital		 865 888 852 844 836 802 829 848 848 817
Total Debt		 37 37 42 36 32 32 35 45 36 33
Total Long-Term Debt		 0.00 0.00 0.00 0.00 30 0.00 0.00 0.00 0.00 0.00
Net Debt		 -22 -26 -3.06 5.63 -6.29 1.17 9.61 30 11 -0.52
Capital Expenditures (CapEx)		 0.16 0.60 0.54 3.07 0.38 0.85 0.02 0.54 0.57 0.83
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.62 0.00 0.00
Net Nonoperating Obligations (NNO)		 37 37 42 36 32 32 35 45 36 33
Total Depreciation and Amortization (D&A)		 2.54 3.00 2.43 2.22 1.75 1.74 1.53 1.62 2.31 2.16
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.56 $1.74 $1.13 $1.36 $0.84 $0.13 $1.15 ($0.84) $1.68 $0.42
Adjusted Weighted Average Basic Shares Outstanding		 14.69M 14.84M 14.70M 14.67M 14.66M 14.65M 14.68M 14.68M 14.61M 14.60M
Adjusted Diluted Earnings per Share		 $0.56 $1.73 $1.13 $1.36 $0.84 $0.13 $1.15 ($0.84) $1.67 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 14.72M 14.87M 14.72M 14.70M 14.71M 14.68M 14.72M 14.76M 14.71M 14.71M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.84M 14.84M 14.84M 14.84M 14.79M 14.79M 14.79M 14.87M 14.80M 14.74M
Normalized Net Operating Profit after Tax (NOPAT)		 8.13 26 17 20 12 1.95 17 -11 25 6.19
Normalized NOPAT Margin		 2.84% 8.77% 6.17% 7.49% 4.75% 0.85% 7.42% -5.02% 10.88% 3.22%
Pre Tax Income Margin		 3.53% 11.15% 7.87% 9.55% 6.11% 1.08% 9.37% -7.17% 14.05% 4.04%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 38.62 265.36 0.00 208.19 130.45 17.81 61.69 -72.89 241.52 58.33
NOPAT to Interest Expense		 31.03 208.78 0.00 163.24 101.34 14.02 48.85 -51.02 186.59 46.91
EBIT Less CapEx to Interest Expense		 38.03 260.50 0.00 183.25 127.30 11.70 61.64 -75.44 237.20 52.03
NOPAT Less CapEx to Interest Expense		 30.44 203.92 0.00 138.30 98.19 7.91 48.80 -53.57 182.27 40.61
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 75.39% 71.16% 104.49% 103.64% 282.34% 170.45% 149.94% 201.50% 113.91% 98.67%
Augmented Payout Ratio		 75.39% 71.16% 104.49% 103.64% 310.10% 187.22% 164.70% 201.50% 145.27% 147.14%

Frequently Asked Questions About Safety Insurance Group's Financials

When does Safety Insurance Group's fiscal year end?

According to the most recent income statement we have on file, Safety Insurance Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Safety Insurance Group's net income changed over the last 10 years?

Safety Insurance Group's net income appears to be on an upward trend, with a most recent value of $70.73 million in 2024, rising from $59.35 million in 2014. The previous period was $18.88 million in 2023.

How has Safety Insurance Group revenue changed over the last 10 years?

Over the last 10 years, Safety Insurance Group's total revenue changed from $778.71 million in 2014 to $1.12 billion in 2024, a change of 43.8%.

How much debt does Safety Insurance Group have?

Safety Insurance Group's total liabilities were at $1.44 billion at the end of 2024, a 11.8% increase from 2023, and a 49.0% increase since 2014.

How much cash does Safety Insurance Group have?

In the past 10 years, Safety Insurance Group's cash and equivalents has ranged from $20.05 million in 2016 to $63.60 million in 2021, and is currently $58.97 million as of their latest financial filing in 2024.

How has Safety Insurance Group's book value per share changed over the last 10 years?

Over the last 10 years, Safety Insurance Group's book value per share changed from 47.19 in 2014 to 55.83 in 2024, a change of 18.3%.


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This page (NASDAQ:SAFT) was last updated on 5/28/2025 by MarketBeat.com Staff
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