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Safety Insurance Group (SAFT) Financials

Safety Insurance Group logo
$69.92 -0.35 (-0.49%)
As of 02:16 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 -14 65 62 83 100 138 131 47 19 71 99
Consolidated Net Income / (Loss)		 -14 65 62 83 100 138 131 47 19 71 99
Net Income / (Loss) Continuing Operations		 -14 65 62 83 100 138 131 47 19 71 99
Total Pre-Tax Income 		-29 93 87 104 124 175 164 60 24 90 127
Total Revenue		 798 820 839 836 878 846 884 797 930 1,120 1,262
Net Interest Income / (Expense)		 -0.09 -0.09 -0.09 -0.09 -0.09 -0.44 -0.52 -0.52 -0.82 -0.51 -1.53
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		 0.09 0.09 0.09 0.09 0.09 0.44 0.52 0.52 0.82 0.51 1.53
Long-Term Debt Interest Expense		 0.09 0.09 0.09 0.09 0.09 0.44 0.52 0.52 0.82 0.51 1.53
Total Non-Interest Income		 798 820 839 836 878 846 885 798 931 1,120 1,264
Other Service Charges		 18 18 18 18 17 17 15 15 26 32 35
Net Realized & Unrealized Capital Gains on Investments		 39 43 45 30 70 52 76 12 65 67 80
Premiums Earned		 738 756 774 782 789 771 774 759 834 1,011 1,139
Other Non-Interest Income		 2.39 3.19 2.08 6.92 1.94 5.85 20 12 5.01 10 9.66
Total Non-Interest Expense		 827 726 752 732 754 671 720 737 906 1,030 1,136
Property & Liability Insurance Claims		 613 493 504 486 510 405 462 492 642 717 797
Insurance Policy Acquisition Costs		 - - - - - 266 258 245 257 305 330
Other Operating Expenses		 214 233 248 247 244 0.00 0.00 0.33 6.84 7.68 7.94
Income Tax Expense		 -15 29 24 21 24 37 34 13 5.55 19 27
Basic Earnings per Share		 ($0.93) $4.29 $4.13 $5.48 $6.52 $9.25 $8.85 $3.17 $1.28 $4.79 $6.72
Weighted Average Basic Shares Outstanding		 14.87M 14.95M 15.01M 15.08M 15.20M 15.00M 14.83M 14.61M 14.66M 14.69M 14.71M
Diluted Earnings per Share		 ($0.93) $4.27 $4.10 $5.43 $6.46 $9.18 $8.80 $3.15 $1.28 $4.78 $6.70
Weighted Average Diluted Shares Outstanding		 14.87M 15.03M 15.14M 15.23M 15.34M 15.12M 14.93M 14.71M 14.71M 14.72M 14.75M
Weighted Average Basic & Diluted Shares Outstanding		 14.90M 15.10M 15.10M 15.20M 15.38M 14.89M 14.67M 14.80M 14.79M 14.84M 14.63M
Cash Dividends to Common per Share		 $2.80 $2.80 $3.00 $3.20 $3.40 $3.60 $3.60 $3.60 $3.60 $3.60 $3.64

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 1.95 12 20 17 26 8.13 22 29 28 20 -14
Consolidated Net Income / (Loss)		 1.95 12 20 17 26 8.13 22 29 28 20 -14
Net Income / (Loss) Continuing Operations		 1.95 12 20 17 26 8.13 22 29 28 20 -14
Total Pre-Tax Income 		2.48 16 26 21 33 10 28 37 36 25 -18
Total Revenue		 229 258 268 270 295 286 301 316 326 319 314
Net Interest Income / (Expense)		 -0.14 -0.12 -0.12 -0.14 -0.12 -0.26 -0.10 -0.44 -0.43 -0.56 -0.62
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 0.14 0.12 0.12 0.14 0.12 0.26 0.10 0.44 0.43 0.56 0.62
Long-Term Debt Interest Expense		 0.14 0.12 0.12 0.14 0.12 - 0.10 0.44 0.43 0.56 0.62
Total Non-Interest Income		 229 258 268 270 295 287 301 316 327 319 315
Other Service Charges		 7.01 7.20 7.16 7.66 8.22 8.60 8.38 8.77 9.00 8.99 7.95
Net Realized & Unrealized Capital Gains on Investments		 5.09 26 23 13 24 7.05 19 25 23 13 12
Premiums Earned		 214 226 236 247 259 269 273 282 291 293 291
Other Non-Interest Income		 2.83 -0.54 1.63 2.44 4.19 1.98 1.79 0.41 3.42 4.04 3.56
Total Non-Interest Expense		 227 242 243 248 262 276 273 279 290 293 332
Property & Liability Insurance Claims		 160 172 168 173 182 193 190 194 205 208 247
Insurance Policy Acquisition Costs		 65 69 72 74 78 81 81 83 83 84 82
Other Operating Expenses		 2.01 1.64 1.84 1.75 1.90 2.17 1.95 2.05 1.98 1.96 2.14
Income Tax Expense		 0.53 3.52 5.53 4.60 7.02 1.99 6.33 7.89 7.90 5.30 -3.54
Basic Earnings per Share		 $0.13 $0.84 $1.36 $1.13 $1.74 $0.56 $1.48 $1.95 $1.91 $1.38 ($0.99)
Weighted Average Basic Shares Outstanding		 14.65M 14.66M 14.67M 14.70M 14.84M 14.69M 14.72M 14.74M 14.75M 14.71M 14.50M
Diluted Earnings per Share		 $0.13 $0.84 $1.36 $1.13 $1.73 $0.56 $1.48 $1.95 $1.91 $1.36 ($0.99)
Weighted Average Diluted Shares Outstanding		 14.68M 14.71M 14.70M 14.72M 14.87M 14.72M 14.75M 14.78M 14.78M 14.75M 14.50M
Weighted Average Basic & Diluted Shares Outstanding		 14.79M 14.79M 14.84M 14.84M 14.84M 14.84M 14.89M 14.89M 14.89M 14.63M 14.68M
Cash Dividends to Common per Share		 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.90 $0.92 $0.92 $0.92

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 5.04 -27 22 -4.13 6.83 9.36 9.83 -38 13 21 15
Net Cash From Operating Activities		 23 99 82 128 112 109 141 44 52 129 194
Net Cash From Continuing Operating Activities		 23 99 82 128 112 109 141 44 52 129 194
Net Income / (Loss) Continuing Operations		 -14 65 62 83 100 138 131 47 19 71 99
Consolidated Net Income / (Loss)		 -14 65 62 83 100 138 131 47 19 71 99
Depreciation Expense		 8.87 9.77 12 11 10 7.53 6.90 6.61 6.95 9.47 6.78
Amortization Expense		 - - - - - 6.54 4.23 1.69 -0.31 0.72 -1.57
Non-Cash Adjustments to Reconcile Net Income		 3.16 -1.96 -0.61 -5.64 -14 0.33 -34 24 -6.95 -14 -14
Changes in Operating Assets and Liabilities, net		 25 26 8.27 40 16 -43 33 -35 34 62 104
Net Cash From Investing Activities		 24 -84 -15 -83 -53 -36 -66 -20 24 -55 -126
Net Cash From Continuing Investing Activities		 24 -84 -15 -83 -53 -36 -66 -20 24 -55 -126
Purchase of Property, Leasehold Improvements and Equipment		 -4.04 -4.91 -5.96 -11 -9.59 -9.95 -8.23 -2.09 -1.78 -4.37 -2.51
Purchase of Investment Securities		 -259 -331 -240 -378 -263 -279 -448 -305 -164 -359 -667
Sale and/or Maturity of Investments		 287 251 231 306 220 253 390 287 190 309 544
Net Cash From Financing Activities		 -42 -42 -45 -49 -53 -65 -66 -63 -64 -53 -54
Net Cash From Continuing Financing Activities		 -42 -42 -45 -49 -53 -65 -66 -63 -64 -53 -54
Issuance of Debt		 - - - 0.00 0.00 30 0.00 5.00 20 15 50
Repayment of Debt		 - - - - - - 0.00 0.00 -25 -15 -30
Repurchase of Common Equity		 - - - 0.00 0.00 -40 -12 -15 -5.24 0.00 -20
Payment of Dividends		 -42 -42 -45 -49 -53 -55 -54 -53 -53 -53 -54
Cash Interest Paid		 0.08 0.08 0.08 0.08 0.08 0.39 0.51 0.51 0.81 0.51 1.44
Cash Income Taxes Paid		 0.09 9.83 24 20 27 31 29 19 6.07 17 27

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 5.51 7.26 -7.35 14 18 -3.62 5.73 -15 6.82 18 -19
Net Cash From Operating Activities		 31 35 -21 26 74 50 3.17 32 85 74 -17
Net Cash From Continuing Operating Activities		 31 35 -21 26 74 50 3.17 32 85 74 -17
Net Income / (Loss) Continuing Operations		 1.95 12 20 17 26 8.13 22 29 28 20 -14
Consolidated Net Income / (Loss)		 1.95 12 20 17 26 8.13 22 29 28 20 -14
Depreciation Expense		 1.77 1.85 2.26 2.35 2.40 2.46 1.94 1.97 1.49 1.38 1.37
Amortization Expense		 -0.03 -0.09 -0.04 0.07 0.61 0.08 -0.23 -0.10 -0.80 -0.45 -0.56
Non-Cash Adjustments to Reconcile Net Income		 9.72 -8.61 -7.87 0.21 -13 5.76 -4.13 -8.91 -3.73 2.90 4.95
Changes in Operating Assets and Liabilities, net		 17 30 -36 6.32 57 34 -16 10 60 50 -8.47
Net Cash From Investing Activities		 -6.81 -15 27 1.42 -43 -41 16 -34 -65 -42 12
Net Cash From Continuing Investing Activities		 -6.81 -15 27 1.42 -43 -41 16 -34 -65 -42 12
Purchase of Property, Leasehold Improvements and Equipment		 -0.85 -0.38 -3.07 -0.54 -0.60 -0.16 -0.33 -0.07 - -2.11 -1.84
Purchase of Investment Securities		 -44 -56 -51 -52 -136 -119 -59 -100 -190 -318 -101
Sale and/or Maturity of Investments		 38 41 82 54 94 79 76 65 125 278 115
Net Cash From Financing Activities		 -18 -13 -14 -13 -13 -13 -14 -13 -14 -13 -14
Net Cash From Continuing Financing Activities		 -18 -13 -14 -13 -13 -13 -14 -13 -14 -13 -14
Issuance of Debt		 - - 0.00 15 - - 30 - - 20 0.00
Repayment of Debt		 -5.00 - 0.00 - - - -30 - - - 0.00
Payment of Dividends		 -13 -13 -14 -13 -13 -13 -14 -13 -14 -13 -14

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,704 1,758 1,807 1,856 2,023 2,054 2,117 1,973 2,094 2,270 2,471
Cash and Due from Banks		 47 20 42 38 44 54 64 25 38 59 74
Trading Account Securities		 1,209 1,281 1,307 1,334 1,445 1,509 1,580 1,404 1,424 1,494 1,692
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		 8.92 8.86 8.88 8.42 8.40 8.05 7.40 8.21 7.26 7.43 12
Customer and Other Receivables		 24 25 28 28 30 30 34 34 35 3.74 4.20
Unearned Premiums Asset		 23 29 32 34 35 22 24 28 32 41 40
Deferred Acquisition Cost		 69 71 72 73 74 75 73 76 92 105 112
Goodwill		 - - - - - - 0.00 17 17 17 17
Intangible Assets		 - - - - - - 0.00 7.86 7.55 7.73 6.78
Other Assets		 322 325 317 340 386 356 336 372 440 515 514
Total Liabilities & Shareholders' Equity		 1,704 1,758 1,807 1,856 2,023 2,054 2,117 1,973 2,094 2,270 2,471
Total Liabilities		 1,059 1,088 1,106 1,138 1,214 1,170 1,190 1,161 1,290 1,442 1,579
Short-Term Debt		 8.61 5.56 4.19 5.16 6.38 37 46 36 1.86 37 0.85
Other Short-Term Payables		 54 67 61 72 75 79 77 74 64 77 80
Long-Term Debt		 - - - - - - - - 30 0.00 50
Claims and Claim Expense		 554 560 574 585 611 568 571 550 603 672 762
Unearned Premiums Liability		 402 418 428 435 442 422 413 433 528 620 655
Other Long-Term Liabilities		 41 37 39 40 80 63 83 67 62 36 31
Total Equity & Noncontrolling Interests		 644 671 701 719 808 885 927 812 804 828 892
Total Preferred & Common Equity		 644 671 701 719 808 885 927 812 804 828 892
Total Common Equity		 644 671 701 719 808 885 927 812 804 828 892
Common Stock		 180 185 190 196 202 210 216 222 227 231 236
Retained Earnings		 532 554 571 617 662 745 822 815 781 799 844
Treasury Stock		 -84 -84 -84 -84 -84 -124 -135 -145 -150 -150 -170
Accumulated Other Comprehensive Income / (Loss)		 16 16 24 -11 28 54 25 -81 -53 -51 -17

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 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,934 1,990 2,016 2,052 2,093 2,162 2,271 2,291 2,364 2,450 2,435
Cash and Due from Banks		 34 15 25 31 31 45 63 65 49 56 55
Trading Account Securities		 1,375 1,418 1,374 1,359 1,399 1,417 1,483 1,522 1,580 1,655 1,667
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		 8.37 7.72 7.20 7.69 8.01 7.28 7.65 7.87 8.68 9.43 11
Customer and Other Receivables		 36 34 34 37 36 6.95 9.69 4.49 4.88 8.77 4.97
Unearned Premiums Asset		 27 29 30 30 34 36 38 42 42 40 41
Deferred Acquisition Cost		 77 77 84 92 94 101 107 105 111 116 109
Goodwill		 - 17 17 17 17 17 17 17 17 17 17
Intangible Assets		 - 7.64 7.44 7.24 7.34 7.13 7.97 7.49 7.26 7.02 6.55
Other Assets		 377 385 436 472 467 526 519 522 543 541 523
Total Liabilities & Shareholders' Equity		 1,934 1,990 2,016 2,052 2,093 2,162 2,271 2,291 2,364 2,450 2,435
Total Liabilities		 1,150 1,187 1,222 1,282 1,286 1,352 1,419 1,441 1,491 1,550 1,579
Short-Term Debt		 33 45 35 32 36 42 37 9.91 17 8.62 3.30
Other Short-Term Payables		 59 53 60 62 61 68 69 60 70 73 59
Long-Term Debt		 - - - - 0.00 0.00 0.00 30 30 30 50
Claims and Claim Expense		 545 570 565 584 604 622 644 683 686 720 813
Unearned Premiums Liability		 437 445 489 525 544 587 622 622 659 676 640
Other Long-Term Liabilities		 75 73 74 79 41 34 47 36 29 43 13
Total Equity & Noncontrolling Interests		 784 803 794 770 807 810 851 851 873 900 856
Total Preferred & Common Equity		 784 803 794 770 807 810 851 851 873 900 856
Total Common Equity		 784 803 794 770 807 810 851 851 873 900 856
Common Stock		 221 223 225 225 228 229 230 232 234 235 237
Retained Earnings		 804 790 793 782 788 791 804 807 823 838 816
Treasury Stock		 -150 -145 -150 -150 -150 -150 -150 -150 -150 -150 -170
Accumulated Other Comprehensive Income / (Loss)		 -90 -65 -74 -88 -59 -60 -32 -39 -33 -22 -27

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.93) $4.29 $4.13 $5.48 $6.52 $9.25 $8.85 $3.17 $1.28 $4.79 $6.72
Adjusted Weighted Average Basic Shares Outstanding		 14.87M 14.95M 15.01M 15.08M 15.20M 15.00M 14.83M 14.61M 14.66M 14.69M 14.71M
Adjusted Diluted Earnings per Share		 ($0.93) $4.27 $4.10 $5.43 $6.46 $9.18 $8.80 $3.15 $1.28 $4.78 $6.70
Adjusted Weighted Average Diluted Shares Outstanding		 14.87M 15.03M 15.14M 15.23M 15.34M 15.12M 14.93M 14.71M 14.71M 14.72M 14.75M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $6.52 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.09M 15.15M 15.22M 15.29M 15.38M 14.89M 14.67M 14.80M 14.79M 14.84M 14.63M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - - 14,631,684.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 14,631,684.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - -0.98
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 19.17% 14.11% 25.55% 17.78% 28.77% 10.90% 12.39% 17.15% 10.52% - 4.22%
EBITDA Growth		 -57.26% -48.71% 303.26% 2.90% 751.84% -27.83% 7.60% 63.57% 2.78% - -156.94%
EBIT Growth		 -67.84% -50.49% 267.29% -1.08% 1,228.96% -35.89% 10.24% 73.43% 10.04% - -163.27%
NOPAT Growth		 -68.52% -50.22% 287.38% -2.15% 1,228.32% -33.69% 9.05% 73.94% 9.35% - -157.10%
Net Income Growth		 -68.52% -50.22% 262.75% -2.15% 1,228.32% -33.69% 9.05% 73.94% 9.35% - -165.41%
EPS Growth		 -69.05% -49.70% 261.90% -1.74% 1,230.77% -33.33% 8.82% 72.57% 10.40% - -166.89%
Operating Cash Flow Growth		 29.02% 67.23% -63.94% 4,786.63% 142.01% 43.84% 115.01% 26.32% 15.77% - -636.84%
Free Cash Flow Firm Growth		 -89.93% -83.66% -50.61% -115.01% -443.97% -186.37% -202.78% -529.24% 64.43% - -23.02%
Invested Capital Growth		 -1.92% -1.44% -0.52% 2.77% 10.79% 3.50% 5.58% 8.06% 5.61% - 2.07%
Revenue Q/Q Growth		 0.05% 12.68% 3.81% 0.64% 9.39% -2.96% 5.20% 4.84% 3.26% - -1.48%
EBITDA Q/Q Growth		 -81.67% 316.09% 58.66% -14.96% 51.74% -64.75% 136.56% 29.27% -4.66% - -164.73%
EBIT Q/Q Growth		 -88.47% 537.48% 62.23% -17.07% 54.96% -69.25% 178.98% 30.45% -1.68% - -170.27%
NOPAT Q/Q Growth		 -88.54% 529.14% 63.74% -17.14% 55.62% -68.59% 169.29% 32.16% -2.17% - -162.16%
Net Income Q/Q Growth		 -88.54% 529.14% 63.74% -17.14% 55.62% -68.59% 169.29% 32.16% -2.17% - -171.22%
EPS Q/Q Growth		 -88.70% 546.15% 61.90% -16.91% 53.10% -67.63% 164.29% 31.76% -2.05% - -172.79%
Operating Cash Flow Q/Q Growth		 5,686.26% 14.92% -160.30% 221.07% 188.46% -31.70% -93.71% 918.69% 164.37% - -123.16%
Free Cash Flow Firm Q/Q Growth		 -58.11% 38.98% 0.03% -125.77% -859.95% 65.10% -19.04% -57.79% 45.74% - 46.26%
Invested Capital Q/Q Growth		 -3.25% 4.28% 0.88% 0.97% 4.30% -2.58% 2.91% 3.34% 1.94% - -3.62%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 1.84% 6.79% 10.38% 8.77% 12.16% 4.42% 9.94% 12.25% 11.31% - -5.43%
EBIT Margin		 1.08% 6.11% 9.55% 7.87% 11.15% 3.53% 9.37% 11.66% 11.10% - -5.69%
Profit (Net Income) Margin		 0.85% 4.75% 7.49% 6.17% 8.77% 2.84% 7.27% 9.16% 8.68% - -4.56%
Tax Burden Percent		 78.72% 77.69% 78.41% 78.34% 78.68% 80.35% 77.56% 78.58% 78.18% - 80.20%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% - 100.00%
Effective Tax Rate		 21.28% 22.31% 21.59% 21.66% 21.32% 19.65% 22.44% 21.42% 21.82% - 0.00%
Return on Invested Capital (ROIC)		 0.94% 5.24% 8.72% 7.52% 11.33% 3.74% 9.66% 12.40% 11.69% - -5.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.94% 5.24% 8.72% 7.52% 11.33% 3.74% 9.66% 12.40% 11.69% - -9.55%
Return on Net Nonoperating Assets (RNNOA)		 0.04% 0.22% 0.44% 0.36% 0.48% 0.16% 0.44% 0.65% 0.50% - -0.52%
Return on Equity (ROE)		 0.98% 5.46% 9.16% 7.88% 11.81% 3.89% 10.11% 13.05% 12.19% - -6.16%
Cash Return on Invested Capital (CROIC)		 5.79% 3.69% 6.59% 3.33% -1.38% 4.87% 2.94% 1.83% 4.10% - 4.95%
Operating Return on Assets (OROA)		 0.49% 2.80% 4.61% 3.86% 5.63% 1.81% 4.93% 6.18% 5.79% - -3.07%
Return on Assets (ROA)		 0.38% 2.17% 3.61% 3.03% 4.43% 1.46% 3.82% 4.85% 4.52% - -2.46%
Return on Common Equity (ROCE)		 0.98% 5.46% 9.16% 7.88% 11.81% 3.89% 10.11% 13.05% 12.19% - -6.16%
Return on Equity Simple (ROE_SIMPLE)		 4.06% 0.00% 6.36% 6.29% 8.79% 0.00% 8.53% 9.72% 9.70% - 7.37%
Net Operating Profit after Tax (NOPAT)		 1.95 12 20 17 26 8.13 22 29 28 - -13
NOPAT Margin		 0.85% 4.75% 7.49% 6.17% 8.77% 2.84% 7.27% 9.16% 8.68% - -3.98%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% - 3.91%
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		 98.92% 93.89% 90.45% 92.13% 88.85% 96.47% 90.63% 88.34% 88.90% - 105.69%
Earnings before Interest and Taxes (EBIT)		 2.48 16 26 21 33 10 28 37 36 - -18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 4.22 18 28 24 36 13 30 39 37 - -17
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.25 1.34 1.44 1.37 1.43 1.48 1.38 1.35 1.17 - 1.24
Price to Tangible Book Value (P/TBV)		 1.29 1.38 1.49 1.42 1.47 1.52 1.42 1.39 1.20 - 1.28
Price to Revenue (P/Rev)		 1.07 1.16 1.18 1.09 1.11 1.09 1.02 0.99 0.86 - 0.83
Price to Earnings (P/E)		 30.87 57.02 22.68 21.86 16.21 17.29 16.13 13.93 12.06 - 16.86
Dividend Yield		 5.52% 4.95% 4.58% 4.80% 4.40% 4.37% 4.56% 4.53% 5.12% - 5.04%
Earnings Yield		 3.24% 1.75% 4.41% 4.57% 6.17% 5.79% 6.20% 7.18% 8.29% - 5.93%
Enterprise Value to Invested Capital (EV/IC)		 1.20 1.28 1.39 1.30 1.34 1.39 1.29 1.28 1.10 - 1.17
Enterprise Value to Revenue (EV/Rev)		 1.08 1.15 1.19 1.08 1.09 1.07 0.99 0.98 0.84 - 0.83
Enterprise Value to EBITDA (EV/EBITDA)		 20.24 34.45 16.10 15.16 11.32 12.00 11.21 10.07 8.76 - 12.50
Enterprise Value to EBIT (EV/EBIT)		 23.83 43.81 17.89 17.05 12.43 13.36 12.39 10.92 9.29 - 13.17
Enterprise Value to NOPAT (EV/NOPAT)		 30.91 56.69 22.78 21.80 15.86 16.97 15.79 13.91 11.86 - 16.84
Enterprise Value to Operating Cash Flow (EV/OCF)		 25.40 20.53 26.64 15.86 10.48 9.33 7.49 7.39 6.04 - 6.09
Enterprise Value to Free Cash Flow (EV/FCFF)		 20.58 34.40 20.98 39.68 0.00 28.97 44.97 72.91 27.68 - 23.82
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.04 0.04 0.05 0.05 0.04 0.04 0.05 0.05 0.04 - 0.06
Long-Term Debt to Equity		 0.00 0.04 0.00 0.00 0.00 0.00 0.04 0.03 0.03 - 0.06
Financial Leverage		 0.04 0.04 0.05 0.05 0.04 0.04 0.05 0.05 0.04 - 0.05
Leverage Ratio		 2.57 2.52 2.54 2.60 2.67 2.67 2.65 2.69 2.70 - 2.77
Compound Leverage Factor		 2.57 2.52 2.54 2.60 2.67 2.67 2.65 2.69 2.70 - 2.77
Debt to Total Capital		 4.00% 3.81% 4.32% 4.88% 4.15% 4.27% 4.48% 5.12% 4.12% - 5.86%
Short-Term Debt to Total Capital		 4.00% 0.22% 4.32% 4.88% 4.15% 4.27% 1.11% 1.86% 0.92% - 0.36%
Long-Term Debt to Total Capital		 0.00% 3.59% 0.00% 0.00% 0.00% 0.00% 3.37% 3.26% 3.20% - 5.50%
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		 96.00% 96.19% 95.68% 95.12% 95.85% 95.73% 95.52% 94.88% 95.88% - 94.14%
Debt to EBITDA		 0.67 1.03 0.50 0.57 0.35 0.37 0.39 0.40 0.33 - 0.63
Net Debt to EBITDA		 0.02 -0.20 0.08 -0.04 -0.25 -0.22 -0.24 -0.02 -0.15 - -0.02
Long-Term Debt to EBITDA		 0.00 0.97 0.00 0.00 0.00 0.00 0.29 0.26 0.25 - 0.59
Debt to NOPAT		 1.03 1.69 0.71 0.82 0.49 0.52 0.55 0.56 0.44 - 0.85
Net Debt to NOPAT		 0.04 -0.33 0.11 -0.06 -0.34 -0.31 -0.34 -0.03 -0.20 - -0.02
Long-Term Debt to NOPAT		 0.00 1.59 0.00 0.00 0.00 0.00 0.41 0.35 0.34 - 0.79
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)		 18 24 24 -6.31 -61 -21 -25 -40 -22 - -31
Operating Cash Flow to CapEx		 3,588.35% 9,199.74% -689.11% 4,729.94% 12,241.29% 32,528.39% 955.72% 47,533.82% 0.00% - -924.76%
Free Cash Flow to Firm to Interest Expense		 126.77 202.40 199.17 0.00 -488.80 -80.73 -242.11 -89.89 -50.61 - -50.12
Operating Cash Flow to Interest Expense		 219.43 289.68 -171.83 0.00 595.28 192.44 30.51 73.13 200.59 - -27.56
Operating Cash Flow Less CapEx to Interest Expense		 213.32 286.53 -196.76 0.00 590.42 191.85 27.32 72.98 200.59 - -30.54
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.45 0.46 0.48 0.49 0.50 0.51 0.53 0.53 0.52 - 0.54
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		 802 836 844 852 888 865 891 920 938 - 909
Invested Capital Turnover		 1.11 1.10 1.16 1.22 1.29 1.32 1.33 1.35 1.35 - 1.42
Increase / (Decrease) in Invested Capital		 -16 -12 -4.42 23 87 29 47 69 50 - 18
Enterprise Value (EV)		 966 1,070 1,169 1,110 1,188 1,201 1,146 1,180 1,035 - 1,061
Market Capitalization		 965 1,076 1,163 1,113 1,213 1,223 1,170 1,182 1,053 - 1,063
Book Value per Share		 $52.04 $54.37 $54.56 $54.61 $57.38 $55.83 $57.33 $58.63 $60.40 - $58.49
Tangible Book Value per Share		 $50.39 $52.71 $52.91 $52.97 $55.70 $54.16 $55.67 $57.00 $58.78 - $56.87
Total Capital		 802 836 844 852 888 865 891 920 938 - 909
Total Debt		 32 32 36 42 37 37 40 47 39 - 53
Total Long-Term Debt		 0.00 30 0.00 0.00 0.00 0.00 30 30 30 - 50
Net Debt		 1.17 -6.29 5.63 -3.06 -26 -22 -25 -2.31 -18 - -1.53
Capital Expenditures (CapEx)		 0.85 0.38 3.07 0.54 0.60 0.16 0.33 0.07 0.00 - 1.84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 - 1.82
Net Nonoperating Obligations (NNO)		 32 32 36 42 37 37 40 47 39 - 53
Total Depreciation and Amortization (D&A)		 1.74 1.75 2.22 2.43 3.00 2.54 1.71 1.88 0.69 - 0.81
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.13 $0.84 $1.36 $1.13 $1.74 $0.56 $1.48 $1.95 $1.91 $1.38 ($0.99)
Adjusted Weighted Average Basic Shares Outstanding		 14.65M 14.66M 14.67M 14.70M 14.84M 14.69M 14.72M 14.74M 14.75M 14.71M 14.50M
Adjusted Diluted Earnings per Share		 $0.13 $0.84 $1.36 $1.13 $1.73 $0.56 $1.48 $1.95 $1.91 $1.36 ($0.99)
Adjusted Weighted Average Diluted Shares Outstanding		 14.68M 14.71M 14.70M 14.72M 14.87M 14.72M 14.75M 14.78M 14.78M 14.75M 14.50M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.79M 14.79M 14.84M 14.84M 14.84M 14.84M 14.89M 14.89M 14.89M 14.63M 14.68M
Normalized Net Operating Profit after Tax (NOPAT)		 1.95 12 20 17 26 8.13 22 29 28 - -13
Normalized NOPAT Margin		 0.85% 4.75% 7.49% 6.17% 8.77% 2.84% 7.27% 9.16% 8.68% - -3.98%
Pre Tax Income Margin		 1.08% 6.11% 9.55% 7.87% 11.15% 3.53% 9.37% 11.66% 11.10% - -5.69%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 17.81 130.45 208.19 0.00 265.36 38.62 271.44 83.32 85.00 - -28.90
NOPAT to Interest Expense		 14.02 101.34 163.24 0.00 208.78 31.03 210.54 65.47 66.46 - -20.23
EBIT Less CapEx to Interest Expense		 11.70 127.30 183.25 0.00 260.50 38.03 268.25 83.17 85.00 - -31.88
NOPAT Less CapEx to Interest Expense		 7.91 98.19 138.30 0.00 203.92 30.44 207.35 65.31 66.46 - -23.21
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 170.45% 282.34% 103.64% 104.49% 71.16% 75.39% 73.43% 62.84% 61.47% - 85.49%
Augmented Payout Ratio		 187.22% 310.10% 103.64% 104.49% 71.16% 75.39% 73.43% 62.84% 61.47% - 85.49%

Financials Breakdown Chart

Key Financial Trends

Safety Insurance Group (NASDAQ: SAFT) entered 2026 with a mixed but still financially sturdy profile. The company remains highly profitable over the longer arc, but its latest quarter showed a sharp profitability setback and weaker operating cash flow compared with recent quarters. At the same time, the balance sheet still looks solid, with common equity above $850 million and relatively modest debt.

  • Strong capital base: Total common equity was $855.8 million at Q1 2026, up slightly from $850.7 million a year ago.
  • Low leverage relative to equity: Total debt was only about $53.3 million in Q1 2026, leaving the company with a conservative balance sheet for an insurer.
  • Premiums remain large and stable: Q1 2026 premiums earned were $291.0 million, roughly in line with the prior quarter and above the year-ago period.
  • Investment income continues to support results: Realized and unrealized gains on investments contributed $12.2 million in Q1 2026, helping offset underwriting pressure.
  • Retained earnings remain substantial: Retained earnings were $816.3 million, indicating the company has accumulated a large capital cushion over time.
  • Balance sheet growth has been measured: Total assets rose to $2.43 billion from $2.29 billion at Q1 2025, suggesting a steady expansion in the investment and insurance base.
  • Cash position is not a concern, but it is not large: Cash and due from banks were $54.8 million at Q1 2026, down from $64.7 million a year earlier.
  • Book value trends have been fairly stable: Equity stayed within a narrow range over the last year, which suggests limited balance sheet stress despite quarterly earnings volatility.
  • Latest quarter turned unprofitable: Q1 2026 net loss was $14.3 million, compared with net income of $21.9 million in Q1 2025 and $20.1 million in Q4 2025.
  • Operating cash flow weakened sharply: Q1 2026 operating cash flow was negative $17.0 million, a steep drop from positive $73.6 million in Q4 2025 and positive $3.2 million in Q1 2025.
  • Losses were driven by a higher claims burden: Property and liability insurance claims were $247.5 million in Q1 2026, up from $193.0 million in Q4 2025 and well above Q1 2025’s $190.3 million.
  • Underwriting turned negative: Q1 2026 pretax income was negative $17.9 million, showing that current revenue levels were not enough to cover claims and acquisition costs.
  • Cash was used to pay dividends despite the loss: The company paid $13.6 million in dividends in Q1 2026, which continued its regular shareholder payout but added pressure while earnings were negative.

Bottom line: Safety Insurance Group still looks like a financially conservative insurer with a strong equity base and manageable debt. However, the latest quarter showed meaningful pressure on underwriting profitability and operating cash flow. Investors should watch whether the recent earnings swing is a temporary spike in claims or the start of a more persistent margin issue.

06/08/26 02:17 PM ETAI Generated. May Contain Errors.

Safety Insurance Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Safety Insurance Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Safety Insurance Group's net income appears to be on an upward trend, with a most recent value of $99.26 million in 2025, falling from -$13.85 million in 2015. The previous period was $70.73 million in 2024. View Safety Insurance Group's forecast to see where analysts expect Safety Insurance Group to go next.

Over the last 10 years, Safety Insurance Group's total revenue changed from $797.86 million in 2015 to $1.26 billion in 2025, a change of 58.2%.

Safety Insurance Group's total liabilities were at $1.58 billion at the end of 2025, a 9.5% increase from 2024, and a 49.0% increase since 2015.

In the past 10 years, Safety Insurance Group's cash and equivalents has ranged from $20.05 million in 2016 to $73.90 million in 2025, and is currently $73.90 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:SAFT last updated on 5/12/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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