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Safety Insurance Group, Inc.

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Key Metrics

Previous Close: $103.56
52-Week Range: $67.04 – $103.75
Market Cap: $1.52B
P/E (TTM): 22.27
EPS (TTM): 4.65
Dividend Yield: 3.55%

Advanced Metrics

Price/Book: 1.73
PEG Ratio: 0.95
Return on Equity: 7.84%
Return on Assets: 2.31%
Gross Margin: 7.65%
Operating Margin: 13.69%
Profit Margin: 5.33%
Current Ratio: 0.39
Debt/Equity: 0.07
Total Debt: $59.77M
Free Cash Flow: $160.49M
Revenue Growth: 3.00%
Earnings Growth: 21.00%
Enterprise Value: $1.51B

SAFT Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$785.06M	$925.95M	$1.11B	$1.25B
Pretax Income	$59.58M	$24.42M	$89.87M	$126.68M
Income Tax	$13.02M	$5.54M	$19.13M	$27.43M
Net Income	$46.56M	$18.88M	$70.73M	$99.25M
Diluted EPS	3.15	1.28	4.78	6.70
Diluted Shares	14.71M	14.71M	14.72M	14.75M

SAFT Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$25.30M	$38.15M	$58.97M	$73.90M
Receivables	$299.80M	$383.19M	$464.21M	$483.33M
Total Assets	$1.97B	$2.09B	$2.27B	$2.47B
Total Debt	$58.34M	$49.76M	$45.73M	$61.86M
Total Liabilities	$1.16B	$1.29B	$1.44B	$1.58B
Retained Earnings	$815.31M	$781.19M	$798.76M	$844.06M
Shareholders' Equity	$812.00M	$804.27M	$828.46M	$892.31M
Net Debt	$9.70M	—	—	—

SAFT Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$44.33M	$52.11M	$128.69M	$194.50M
Capital Expenditure	-$2.09M	-$1.78M	-$4.37M	-$2.51M
Free Cash Flow	$42.23M	$50.33M	$124.32M	$191.99M
Depreciation & Amortisation	$6.61M	$6.95M	$9.46M	$6.78M
Stock-Based Compensation	$5.98M	$4.33M	$4.48M	$4.83M
Investing Cash Flow	-$19.99M	$24.27M	-$54.54M	-$125.71M
Financing Cash Flow	-$62.64M	-$63.53M	-$53.33M	-$53.87M
Dividends Paid	-$53.04M	-$53.29M	-$53.33M	-$53.87M
Share Repurchases	-$14.60M	-$5.24M	$0.00	-$20.00M
Net Change in Cash	-$38.30M	$12.85M	$20.82M	$14.93M

SAFT Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$299.64M	$315.93M	$323.21M	$315.30M	$311.11M
Pretax Income	$28.23M	$36.83M	$36.21M	$25.42M	-$17.86M
Income Tax	$6.33M	$7.89M	$7.90M	$5.30M	-$3.54M
Net Income	$21.90M	$28.94M	$28.31M	$20.11M	-$14.32M
Diluted EPS	1.48	1.95	1.91	1.36	-0.99
Diluted Shares	14.75M	14.78M	14.78M	14.67M	14.50M

SAFT Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$64.71M	$49.41M	$56.23M	$73.90M	$54.83M
Receivables	$478.52M	$502.89M	$507.78M	$483.33M	$485.76M
Total Assets	$2.29B	$2.36B	$2.45B	$2.47B	$2.43B
Total Debt	$44.67M	$43.66M	$42.63M	$61.86M	$61.10M
Total Liabilities	$1.44B	$1.49B	$1.55B	$1.58B	$1.58B
Retained Earnings	$807.29M	$822.84M	$837.51M	$844.06M	$816.27M
Shareholders' Equity	$850.67M	$873.26M	$899.55M	$892.31M	$855.75M

SAFT Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$3.17M	$32.32M	$85.45M	$73.55M	-$17.03M
Capital Expenditure	-$332.00K	-$68.00K	—	-$2.11M	-$1.84M
Free Cash Flow	$2.84M	$32.26M	$85.45M	$71.44M	-$18.88M
Depreciation & Amortisation	$1.94M	$1.97M	$1.49M	$1.38M	$1.37M
Stock-Based Compensation	$1.40M	$1.13M	$1.16M	$1.15M	$1.44M
Investing Cash Flow	$16.13M	-$34.35M	-$65.06M	-$42.43M	$11.56M
Financing Cash Flow	-$13.57M	-$13.28M	-$13.57M	-$13.45M	-$13.59M
Dividends Paid	-$13.57M	-$13.28M	-$13.57M	-$13.45M	-$13.59M
Net Change in Cash	$5.73M	-$15.30M	$6.82M	$17.67M	-$19.07M

Market Snapshot

About

Safety Insurance Group, Inc. is a property and casualty insurance company that underwrites private passenger automobile and commercial automobile insurance, as well as homeowners insurance in Massachusetts. The company markets its products through a network of independent insurance agents throughout the state. Safety Insurance focuses on providing competitive pricing and strong customer service in the Massachusetts market where it has established significant market share.