What is Safety Ins Group Inc's earnings per share (EPS)?

Safety Ins Group Inc (SAFT) reported diluted earnings per share of $6.70 for fiscal year 2025. This represents a 40.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Safety Ins Group Inc (SAFT) Financials

SAFT

Trailing 12 months to June 30, 2026

Revenue $1.3B +7.2% YoY

Net Income $68.6M -19.1% YoY

EPS (Diluted) $4.65 -18.4% YoY

Free Cash Flow $175.7M +10.8% YoY

Market Cap $1.5B as of Sep 3, 2026

Price / Sales 1.2x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 22.1x on $68.6M net income, trailing 12 months to June 30, 2026

Price / Book 1.7x on $876.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the SAFT SEC filings page.

Safety Ins Group Inc (SAFT) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 7.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SAFT FY2025 2026-08-29

Safety Insurance's cash conversion is unusually strong because reported capital intensity stays low as earnings recover.

In FY2025, operating cash flow reached $194M versus $99.3M of net income, showing that accounting profit and period cash generation diverged meaningfully in cash's favor. Free cash flow was $192M because capital expenditures were only $2.5M, so the cash outcome reflects limited reported reinvestment rather than heavy physical expansion.

Revenue rose from $1.1B in FY2024 to $1.3B in FY2025, but the more important shift was simultaneous profitability recovery. Net profit margin widened from 6.3% to 7.9%, indicating that the latest expansion was not volume alone.

Assets grew from $2.3B to $2.5B, so the improvement came with a larger balance sheet rather than pure operating expansion. Liabilities also rose from $1.4B to $1.6B, meaning the added asset base was funded partly by obligations rather than solely by retained equity.

Financial Health Signals

Financial Health Score 45/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Safety Ins Group Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Safety Ins Group Inc scores 24/100 on it among other insurers.

Premium Growth

Safety Ins Group Inc reported revenue of $1.3B in fiscal year 2025, against $1.1B in fiscal year 2024. Premium Growth ranks insurers on the three-year path of the premiums they write rather than on total revenue, and Safety Ins Group Inc scores 70/100 among other insurers.

Capital

Safety Ins Group Inc funded 36.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $892.3M of equity against $2.5B of assets. Capital ranks insurers on that cushion, and Safety Ins Group Inc scores 78/100 among other insurers.

Investment Yield

Not available for Safety Ins Group Inc, and counted as zero in the overall score.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Safety Ins Group Inc scores 38/100 on it among other insurers.

Stability

Safety Ins Group Inc reported net income of $99.3M in fiscal year 2025, against $70.7M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Safety Ins Group Inc scores 59/100 among other insurers.

Piotroski F-Score Partial

6/6

Safety Ins Group Inc passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.96x

For every $1 of reported earnings, Safety Ins Group Inc generates $1.96 in operating cash flow ($194.5M OCF vs $99.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$325.7M

YoY+3.0%

QoQ+3.5%

5Y CAGR+7.9%

10Y CAGR+4.8%

Safety Ins Group Inc generated $325.7M in revenue in Q2 2026. This represents an increase of 3.0% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.

Net Income

$34.5M

YoY+19.3%

QoQ+341.0%

5Y CAGR-1.7%

10Y CAGR+4.9%

Safety Ins Group Inc reported $34.5M in net income in Q2 2026. This represents an increase of 19.3% from the same quarter a year earlier. Against the prior quarter it is up 341.0%.

EPS (Diluted)

$2.36

YoY+21.0%

QoQ+338.4%

5Y CAGR-1.1%

10Y CAGR+5.3%

Safety Ins Group Inc earned $2.36 per diluted share (EPS) in Q2 2026. This represents an increase of 21.0% from the same quarter a year earlier. Against the prior quarter it is up 338.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$37.7M

YoY+16.9%

QoQ+299.7%

5Y CAGR-4.5%

10Y CAGR+3.4%

Safety Ins Group Inc generated $37.7M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 16.9% from the same quarter a year earlier. Against the prior quarter it is up 299.7%.

Cash & Debt

$67.9M

YoY+37.5%

QoQ+23.9%

5Y CAGR-3.8%

10Y CAGR+4.4%

Safety Ins Group Inc held $67.9M in cash against $50.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.92

YoY+2.2%

QoQ0.0%

5Y CAGR+0.4%

10Y CAGR+2.8%

Safety Ins Group Inc paid $0.92 per share in dividends in Q2 2026. This represents an increase of 2.2% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

15M

YoY-1.4%

QoQ0.0%

5Y CAGR-0.4%

10Y CAGR-0.3%

Safety Ins Group Inc had 15M shares outstanding in Q2 2026. This represents a decrease of 1.4% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

10.6%

YoY+1.4pp

QoQ+15.2pp

5Y CAGR-6.3pp

10Y CAGR+0.1pp

Safety Ins Group Inc's net profit margin was 10.6% in Q2 2026, showing the share of revenue converted to profit. This is up 1.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 15.2 percentage points.

Return on Equity

3.9%

YoY+0.6pp

QoQ+5.6pp

5Y CAGR-0.2pp

10Y CAGR+0.8pp

Safety Ins Group Inc's ROE was 3.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.6 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$627K

YoY+822.1%

QoQ-66.0%

5Y CAGR-24.5%

10Y CAGR-1.2%

Safety Ins Group Inc invested $627K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 822.1% from the same quarter a year earlier. Against the prior quarter it is down 66.0%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

SAFT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SAFT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.3B+12.8%	$1.1B+20.3%	$931.0M+16.7%	$797.6M-9.9%	$884.9M+4.6%	$846.2M-3.6%	$877.8M+4.9%	$836.5M-0.3%	$839.1M+2.4%	$819.8M+2.7%	$798.0M+2.5%	$778.8M+4.5%	$745.3M+5.9%	$703.9M+6.6%	$660.2M
Interest Expense	$2.4M	$1.5M+200.6%	$509K-37.8%	$818K+56.1%	$524K+0.4%	$522K+18.6%	$440K+388.9%	$90K0.0%	$90K0.0%	$90K0.0%	$90K0.0%	$90K0.0%	$90K+1.1%	$89K+1.1%	$88K0.0%	$88K
Income Tax	$18.9M	$27.4M+43.4%	$19.1M+245.0%	$5.5M-57.4%	$13.0M-61.2%	$33.6M-8.2%	$36.6M+51.8%	$24.1M+14.4%	$21.1M-13.4%	$24.3M-15.3%	$28.7M+294.0%	-$14.8M-161.7%	$24.0M-9.0%	$26.3M+12.8%	$23.4M+3990.0%	$571K
Net Income	$68.6M	$99.3M+40.3%	$70.7M+274.7%	$18.9M-59.5%	$46.6M-64.4%	$130.7M-5.4%	$138.2M+38.8%	$99.6M+19.7%	$83.2M+33.4%	$62.4M-3.4%	$64.6M+566.2%	-$13.9M-123.3%	$59.4M-3.3%	$61.4M+5.7%	$58.1M+323.8%	$13.7M
EPS (Basic)	N/A	$6.72+40.3%	$4.79+274.2%	$1.28-59.6%	$3.17-64.2%	$8.85-4.3%	$9.25+41.9%	$6.52+19.0%	$5.48+32.7%	$4.13-3.7%	$4.29+561.3%	-$0.93-123.7%	$3.93-1.5%	$3.99+5.0%	$3.80+322.2%	$0.90
EPS (Diluted)	$4.65	$6.70+40.2%	$4.78+273.4%	$1.28-59.4%	$3.15-64.2%	$8.80-4.1%	$9.18+42.1%	$6.46+19.0%	$5.43+32.4%	$4.10-4.0%	$4.27+559.1%	-$0.93-123.8%	$3.91-1.8%	$3.98+4.7%	$3.80+322.2%	$0.90
Diluted Shares (Avg)	N/A	15M+0.2%	15M0.0%	15M0.0%	15M-1.4%	15M-1.3%	15M-1.4%	15M+0.7%	15M+0.6%	15M+0.7%	15M+1.1%	15M-1.2%	15M-1.0%	15M-0.5%	15M+0.8%	15M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$325.7M+3.0%	$314.7M+4.4%	$319.3M+11.4%	$326.6M+10.6%	$316.3M+17.3%	$301.4M+12.4%	$286.7M+11.0%	$295.3M+28.7%
Interest Expense	$814K+84.2%	$618K+494.2%	$558K+350.0%	$426K+243.5%	$442K+220.3%	$104K-15.4%	$124K+2.5%	$124K-10.8%
Income Tax	$9.2M+17.1%	-$3.5M-155.8%	$5.3M+166.8%	$7.9M+12.6%	$7.9M+71.6%	$6.3M+14.6%	$2.0M-43.6%	$7.0M+1231.3%
Net Income	$34.5M+19.3%	-$14.3M-165.4%	$20.1M+147.3%	$28.3M+9.4%	$28.9M+73.9%	$21.9M+9.1%	$8.1M-33.7%	$25.9M+1228.3%
EPS (Basic)	$2.36+21.0%	-$0.99-166.9%	$1.37+149.1%	$1.91+9.8%	$1.95+72.6%	$1.48+8.8%	$0.55-33.7%	$1.74+1238.5%
EPS (Diluted)	$2.36+21.0%	-$0.99-166.9%	$1.37+153.7%	$1.91+10.4%	$1.95+72.6%	$1.48+8.8%	$0.54-34.9%	$1.73+1230.8%
Diluted Shares (Avg)	15M-1.5%	14M-1.7%	N/A	15M-0.6%	15M+0.4%	15M+0.3%	N/A	15M+1.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

SAFT Balance Sheet

SAFT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.5B+8.9%	$2.3B+8.4%	$2.1B+6.2%	$2.0B-6.8%	$2.1B+3.1%	$2.1B+1.6%	$2.0B+9.0%	$1.9B+2.7%	$1.8B+2.8%	$1.8B+3.2%	$1.7B+1.7%	$1.7B+3.1%	$1.6B+3.2%	$1.6B+6.9%	$1.5B
Cash & Equivalents	$73.9M+25.3%	$59.0M+54.6%	$38.2M+50.8%	$25.3M-60.2%	$63.6M+18.3%	$53.8M+21.1%	$44.4M+18.2%	$37.6M-9.9%	$41.7M+108.0%	$20.1M-57.8%	$47.5M+11.9%	$42.5M-24.0%	$55.9M+57.9%	$35.4M-6.6%	$37.9M
Short-Term Investments	$0	$0	$0	$0	$0-100.0%	$441K	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	$179.1M-7.4%	$193.4M+1.7%	$190.1M-0.3%	$190.6M+1.6%	$187.7M+5.1%	$178.6M+1.7%	$175.5M+3.7%	$169.3M+2.1%	$165.8M+7.5%	$154.1M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.6B+9.5%	$1.4B+11.8%	$1.3B+11.1%	$1.2B-2.5%	$1.2B+1.8%	$1.2B-3.7%	$1.2B+6.7%	$1.1B+2.8%	$1.1B+1.7%	$1.1B+2.7%	$1.1B+9.5%	$967.4M+4.0%	$930.3M+5.7%	$880.0M+7.8%	$816.2M
Long-Term Debt	$50.0M	N/A	$30.0M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$892.3M+7.7%	$828.5M+3.0%	$804.3M-1.0%	$812.0M-12.4%	$927.2M+4.8%	$884.7M+9.4%	$808.4M+12.5%	$718.6M+2.5%	$701.0M+4.5%	$670.7M+4.1%	$644.5M-9.0%	$708.3M+1.9%	$695.2M+0.1%	$694.4M+5.8%	$656.3M
Retained Earnings	$844.1M+5.7%	$798.8M+2.2%	$781.2M-4.2%	$815.3M-0.8%	$821.7M+10.3%	$745.0M+12.6%	$661.6M+7.3%	$616.7M+8.1%	$570.7M+3.0%	$554.0M+4.2%	$531.8M-9.5%	$587.6M+3.5%	$567.8M+4.5%	$543.4M+4.7%	$518.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.5B+5.9%	$2.4B+6.3%	$2.5B+8.9%	$2.4B+7.9%	$2.4B+9.4%	$2.3B+9.5%	$2.3B+8.4%	$2.3B+10.6%
Cash & Equivalents	$67.9M+37.5%	$54.8M-15.3%	$73.9M+25.3%	$56.2M-10.2%	$49.4M+10.8%	$64.7M+110.1%	$59.0M+54.6%	$62.6M+102.6%
Short-Term Investments	$0	$0	$0	$0-100.0%	$0	$0	$0	$19.7M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%
Total Liabilities	$1.6B+9.1%	$1.6B+9.6%	$1.6B+9.5%	$1.6B+9.2%	$1.5B+10.3%	$1.4B+12.0%	$1.4B+11.8%	$1.4B+10.7%
Long-Term Debt	$50.0M+66.7%	$50.0M+66.7%	$50.0M	$30.0M	$30.0M	$30.0M	N/A	N/A
Total Equity	$876.7M+0.4%	$855.8M+0.6%	$892.3M+7.7%	$899.6M+5.7%	$873.3M+7.8%	$850.7M+5.4%	$828.5M+3.0%	$851.4M+10.6%
Retained Earnings	$837.3M+1.8%	$816.3M+1.1%	$844.1M+5.7%	$837.5M+4.2%	$822.8M+4.0%	$807.3M+2.4%	$798.8M+2.2%	$803.9M+2.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

SAFT Cash Flow Statement

SAFT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$180.3M	$194.5M+51.1%	$128.7M+146.9%	$52.1M+17.6%	$44.3M-68.7%	$141.4M+29.2%	$109.5M-2.7%	$112.5M-11.9%	$127.7M+55.6%	$82.0M-17.0%	$98.8M+331.7%	$22.9M-76.5%	$97.6M-12.0%	$110.9M+6.2%	$104.3M+164.3%	$39.5M
Depreciation & Amortization	N/A	$5.8M-49.3%	$11.5M+46.7%	$7.8M-0.5%	$7.9M+14.2%	$6.9M-8.4%	$7.5M+45.7%	$5.2M-5.5%	$5.5M+8.5%	$5.0M+14.9%	$4.4M+12.2%	$3.9M-5.5%	$4.1M+4.0%	$4.0M-10.7%	$4.5M+35.8%	$3.3M
Stock-Based Compensation	N/A	$4.8M+7.7%	$4.5M+3.5%	$4.3M-27.6%	$6.0M-5.0%	$6.3M-15.6%	$7.5M+23.7%	$6.0M-8.3%	$6.6M+27.4%	$5.2M+20.1%	$4.3M+15.5%	$3.7M	N/A	N/A	N/A	N/A
Capital Expenditures	$4.6M	$2.5M-42.6%	$4.4M+144.9%	$1.8M-14.8%	$2.1M-74.6%	$8.2M-17.3%	$9.9M+3.7%	$9.6M-14.2%	$11.2M+87.7%	$6.0M+21.3%	$4.9M+21.5%	$4.0M+129.6%	$1.8M-64.2%	$4.9M+17.0%	$4.2M-3.9%	$4.4M
Free Cash Flow	$175.7M	$192.0M+54.4%	$124.3M+147.0%	$50.3M+19.2%	$42.2M-68.3%	$133.2M+33.8%	$99.5M-3.3%	$102.9M-11.7%	$116.5M+53.1%	$76.1M-19.0%	$93.9M+398.2%	$18.9M-80.3%	$95.8M-9.6%	$105.9M+5.8%	$100.1M+185.3%	$35.1M
Investing Cash Flow	-$107.8M	-$125.7M-130.5%	-$54.5M-324.7%	$24.3M+221.4%	-$20.0M+69.7%	-$66.0M-85.8%	-$35.5M+32.9%	-$53.0M+36.2%	-$83.0M-456.2%	-$14.9M+82.3%	-$84.3M-453.3%	$23.8M	N/A	N/A	-$74.4M-499.7%	-$12.4M
Financing Cash Flow	-$54.0M	-$53.9M-1.0%	-$53.3M+16.1%	-$63.5M-1.4%	-$62.6M+4.5%	-$65.6M-1.5%	-$64.6M-22.6%	-$52.7M-7.9%	-$48.8M-7.4%	-$45.5M-8.2%	-$42.0M-0.8%	-$41.7M	N/A	N/A	-$32.4M-10.0%	-$29.5M
Dividends Paid	$54.0M	$53.9M+1.0%	$53.3M+0.1%	$53.3M+0.5%	$53.0M-1.8%	$54.0M-1.0%	$54.6M+3.6%	$52.7M+7.9%	$48.8M+7.4%	$45.5M+7.6%	$42.3M+0.7%	$42.0M+6.8%	$39.3M+6.6%	$36.9M+9.6%	$33.6M+10.9%	$30.3M
Share Buybacks	N/A	$20.0M	N/A	$5.2M-64.1%	$14.6M+26.3%	$11.6M-71.1%	$40.0M	N/A	N/A	N/A	N/A	N/A	$23.5M+389.0%	$4.8M	$0-100.0%	$43K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$38.3M+18.6%	-$17.0M-636.8%	$73.5M+45.9%	$85.5M+15.8%	$32.3M+26.3%	$3.2M+115.0%	$50.4M+43.8%	$73.8M+142.0%
Depreciation & Amortization	$1.4M-30.6%	$1.4M-29.4%	$430K-90.4%	$1.5M-37.8%	$2.0M-16.1%	$1.9M-14.2%	$4.5M+64.4%	$2.4M+35.7%
Stock-Based Compensation	N/A	$1.4M+2.5%	N/A	N/A	N/A	$1.4M-2.7%	N/A	N/A
Capital Expenditures	$627K+822.1%	$1.8M+454.8%	$2.1M+1260.0%	$0-100.0%	$68K-87.4%	$332K-89.2%	$155K-59.3%	$603K-29.1%
Free Cash Flow	$37.7M+16.9%	-$18.9M-764.4%	$71.4M+42.1%	$85.5M+16.7%	$32.3M+28.8%	$2.8M+111.7%	$50.3M+45.0%	$73.2M+146.9%
Investing Cash Flow	-$11.9M+65.4%	$11.6M-28.4%	-$42.4M-4.0%	-$65.1M-52.9%	-$34.3M-2515.3%	$16.1M-41.1%	-$40.8M-179.3%	-$42.6M-524.7%
Financing Cash Flow	-$13.4M-0.6%	-$13.6M-0.2%	-$13.5M-1.7%	-$13.6M-2.4%	-$13.3M-0.3%	-$13.6M+0.3%	-$13.2M-0.4%	-$13.2M+27.2%
Dividends Paid	$13.4M+0.6%	$13.6M+0.2%	$13.5M+1.7%	$13.6M+2.4%	$13.3M+0.3%	$13.6M-0.3%	$13.2M+0.4%	$13.2M+0.5%

Not reported in any period shown, so not listed: Share Buybacks.

SAFT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

SAFT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	7.8%+1.5pp	6.3%+4.3pp	2.0%-3.8pp	5.8%-8.9pp	14.8%-1.6pp	16.3%+5.0pp	11.3%+1.4pp	10.0%+2.5pp	7.4%-0.4pp	7.9%+9.6pp	-1.7%-9.4pp	7.6%-0.6pp	8.2%0.0pp	8.3%+6.2pp	2.1%
Return on Equity	11.1%+2.6pp	8.5%+6.2pp	2.4%-3.4pp	5.7%-8.4pp	14.1%-1.5pp	15.6%+3.3pp	12.3%+0.7pp	11.6%+2.7pp	8.9%-0.7pp	9.6%+11.8pp	-2.1%-10.5pp	8.4%-0.5pp	8.8%+0.5pp	8.4%+6.3pp	2.1%
Return on Assets	4.0%+0.9pp	3.1%+2.2pp	0.9%-1.5pp	2.4%-3.8pp	6.2%-0.6pp	6.7%+1.8pp	4.9%+0.4pp	4.5%+1.0pp	3.5%-0.2pp	3.7%+4.5pp	-0.8%-4.3pp	3.5%-0.2pp	3.8%+0.1pp	3.7%+2.8pp	0.9%
Debt-to-Equity	0.06-1.7x	1.74+1.7x	0.04-1.4x	1.43+0.1x	1.280.0x	1.32-0.2x	1.50-0.1x	1.580.0x	1.580.0x	1.620.0x	1.64+0.3x	1.370.0x	1.34+0.1x	1.270.0x	1.24
Asset Turnover	0.510.0x	0.490.0x	0.440.0x	0.400.0x	0.420.0x	0.410.0x	0.430.0x	0.450.0x	0.460.0x	0.470.0x	0.470.0x	0.460.0x	0.460.0x	0.450.0x	0.45
FCF Margin	15.2%+4.1pp	11.1%+5.7pp	5.4%+0.1pp	5.3%-9.8pp	15.0%+3.3pp	11.8%0.0pp	11.7%-2.2pp	13.9%+4.9pp	9.1%-2.4pp	11.5%+9.1pp	2.4%-9.9pp	12.3%-1.9pp	14.2%0.0pp	14.2%+8.9pp	5.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	10.6%+1.4pp	-4.5%-11.8pp	6.3%+3.5pp	8.7%-0.1pp	9.2%+3.0pp	7.3%-0.2pp	2.8%-1.9pp	8.8%+7.9pp
Return on Equity	3.9%+0.6pp	-1.7%-4.2pp	2.3%+1.3pp	3.1%+0.1pp	3.3%+1.3pp	2.6%+0.1pp	1.0%-0.5pp	3.0%+2.8pp
Return on Assets	1.4%+0.2pp	-0.6%-1.6pp	0.8%+0.4pp	1.2%0.0pp	1.2%+0.5pp	1.0%0.0pp	0.4%-0.2pp	1.1%+1.1pp
Debt-to-Equity	0.060.0x	0.060.0x	0.06-1.7x	0.03-1.6x	0.03-1.6x	0.04-1.6x	1.74+1.7x	1.670.0x
Asset Turnover	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x	0.130.0x
FCF Margin	11.6%+1.4pp	-6.0%-6.9pp	22.4%+4.8pp	26.2%+1.4pp	10.2%+0.9pp	0.9%+10.0pp	17.5%+4.1pp	24.8%+11.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Safety Ins Group Inc SAFT	FY2025	$1.3B	$99.3M	7.8%	$1.5B	45/100
BOWHEAD SPECIALTY HLDGS INC BOW	FY2025	$551.6M	$53.8M	9.8%	$1.1B	48/100
Proassurance Cp PRA	FY2025	$1.1B	$50.9M	4.6%	$1.3B	24/100
Hippo Hldgs Inc HIPO	FY2025	$468.6M	$62.6M	13.4%	$876.4M	33/100
United Fire Group Inc UFCS	FY2025	$1.4B	$118.2M	8.5%	$1.4B	41/100
Universal Ins Hldgs Inc UVE	FY2025	$1.6B	$183.0M	11.4%	$1.2B	28/100

Where Safety Ins Group Inc Ranks

Frequently Asked Questions

What is Safety Ins Group Inc's annual revenue?

Safety Ins Group Inc (SAFT) reported $1.3B in total revenue for fiscal year 2025. This represents a 12.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Safety Ins Group Inc's revenue growing?

Safety Ins Group Inc (SAFT) revenue grew by 12.8% year-over-year, from $1.1B to $1.3B in fiscal year 2025.

Is Safety Ins Group Inc profitable?

Yes, Safety Ins Group Inc (SAFT) reported a net income of $99.3M in fiscal year 2025, with a net profit margin of 7.8%.

How much debt does Safety Ins Group Inc have?

As of fiscal year 2025, Safety Ins Group Inc (SAFT) had $73.9M in cash and equivalents against $50.0M in long-term debt.

What is Safety Ins Group Inc's net profit margin?

Safety Ins Group Inc (SAFT) had a net profit margin of 7.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Safety Ins Group Inc pay dividends?

Yes, Safety Ins Group Inc (SAFT) paid $3.64 per share in dividends during fiscal year 2025.

What is Safety Ins Group Inc's return on equity (ROE)?

Safety Ins Group Inc (SAFT) has a return on equity of 11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Safety Ins Group Inc's free cash flow?

Safety Ins Group Inc (SAFT) generated $192.0M in free cash flow during fiscal year 2025. This represents a 54.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Safety Ins Group Inc's operating cash flow?

Safety Ins Group Inc (SAFT) generated $194.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Safety Ins Group Inc's total assets?

Safety Ins Group Inc (SAFT) had $2.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Safety Ins Group Inc's capital expenditures?

Safety Ins Group Inc (SAFT) invested $2.5M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Safety Ins Group Inc buy back shares?

Yes, Safety Ins Group Inc (SAFT) spent $20.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Safety Ins Group Inc have outstanding?

Safety Ins Group Inc (SAFT) had 15M shares outstanding as of fiscal year 2025.

What is Safety Ins Group Inc's debt-to-equity ratio?

Safety Ins Group Inc (SAFT) had a debt-to-equity ratio of 0.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Safety Ins Group Inc's return on assets (ROA)?

Safety Ins Group Inc (SAFT) had a return on assets of 4.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Safety Ins Group Inc's P/E ratio?

Safety Ins Group Inc (SAFT) trades at 22.1x earnings, its market capitalization divided by net income of $68.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Safety Ins Group Inc's price-to-sales ratio?

Safety Ins Group Inc (SAFT) trades at 1.2x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.5B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Safety Ins Group Inc's Piotroski F-Score?

Safety Ins Group Inc (SAFT) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Safety Ins Group Inc's earnings high quality?

Safety Ins Group Inc (SAFT) has an earnings quality ratio of 1.96x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Safety Ins Group Inc?

Safety Ins Group Inc (SAFT) scores 45 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.