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 Financials

SAFT

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Safety Ins Group Inc (SAFT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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 2026-05-08

Cash conversion rather than heavy reinvestment is the dominant mechanic, letting earnings recovery turn quickly into distributable cash.

Over the recent recovery, operating cash flow climbed from $52.1M to $194.5M while capital spending stayed minimal, so better operations were translating into cash instead of being absorbed by asset buildout. Net income also rebounded from $18.9M to $99.3M, which means the business improved in both accounting profit and cash generation after its mid-cycle earnings squeeze.

The payout model looks much easier to fund now: free cash flow of $192.0M covered dividends of $53.9M with room for buybacks and retained capital. Because capital expenditures were only $2.5M, most of that cash remained available instead of being needed to maintain the asset base.

Although total liabilities reached $1.58B, long-term debt was only $50.0M, so balance-sheet obligations are not primarily coming from conventional borrowing. The recovery also lifted return measures, with ROE at 11.1% and ROA at 4.0%, indicating the larger balance sheet is again producing a more useful earnings yield for shareholders.

Financial Health Signals

Financial Health Score 44/100

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

Premium Growth

Capital

Combined Ratio

Stability

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

$1.3B

YoY+12.8%

5Y CAGR+8.4%

10Y CAGR+4.7%

Safety Ins Group Inc generated $1.3B in revenue in fiscal year 2025. This represents an increase of 12.8% from the prior year.

EBITDA

N/A

Net Income

$99.3M

YoY+40.3%

5Y CAGR-6.4%

Safety Ins Group Inc reported $99.3M in net income in fiscal year 2025. This represents an increase of 40.3% from the prior year.

EPS (Diluted)

$6.70

YoY+40.2%

5Y CAGR-6.1%

Safety Ins Group Inc earned $6.70 per diluted share (EPS) in fiscal year 2025. This represents an increase of 40.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$192.0M

YoY+54.4%

5Y CAGR+14.0%

10Y CAGR+26.1%

Safety Ins Group Inc generated $192.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 54.4% from the prior year.

Cash & Debt

$73.9M

YoY+25.3%

5Y CAGR+6.6%

10Y CAGR+4.5%

Safety Ins Group Inc held $73.9M in cash against $50.0M in long-term debt as of fiscal year 2025.

Dividends Per Share

$3.64

YoY+1.1%

5Y CAGR+0.2%

10Y CAGR+2.7%

Safety Ins Group Inc paid $3.64 per share in dividends in fiscal year 2025. This represents an increase of 1.1% from the prior year.

Shares Outstanding

15M

YoY-1.4%

5Y CAGR-0.4%

Safety Ins Group Inc had 15M shares outstanding in fiscal year 2025. This represents a decrease of 1.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

7.8%

YoY+1.5pp

5Y CAGR-8.5pp

10Y CAGR+9.6pp

Safety Ins Group Inc's net profit margin was 7.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.5 percentage points from the prior year.

Return on Equity

11.1%

YoY+2.6pp

5Y CAGR-4.5pp

10Y CAGR+13.3pp

Safety Ins Group Inc's ROE was 11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$20.0M

5Y CAGR-12.9%

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

Capital Expenditures

$2.5M

YoY-42.6%

5Y CAGR-24.1%

10Y CAGR-4.7%

Safety Ins Group Inc invested $2.5M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 42.6% from the prior year.

SAFT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3B+12.8%	$1.1B+20.3%	$931.0M+16.7%	$797.6M-9.9%	$884.9M+4.6%	$846.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.5M+200.6%	$509K-37.8%	$818K+56.1%	$524K+0.4%	$522K+18.6%	$440K
Income Tax	$27.4M+43.4%	$19.1M+245.0%	$5.5M-57.4%	$13.0M-61.2%	$33.6M-8.2%	$36.6M
Net Income	$99.3M+40.3%	$70.7M+274.7%	$18.9M-59.5%	$46.6M-64.4%	$130.7M-5.4%	$138.2M
EPS (Diluted)	$6.70+40.2%	$4.78+273.4%	$1.28-59.4%	$3.15-64.2%	$8.80-4.1%	$9.18

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$314.7M-1.5%	$319.3M-2.2%	$326.6M+3.2%	$316.3M+4.9%	$301.4M+5.1%	$286.7M-2.9%	$295.3M+9.5%	$269.8M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$618K+10.8%	$558K+31.0%	$426K-3.6%	$442K+325.0%	$104K-16.1%	$124K0.0%	$124K-10.1%	$138K
Income Tax	-$3.5M-166.7%	$5.3M-32.9%	$7.9M+0.1%	$7.9M+24.6%	$6.3M+218.6%	$2.0M-71.7%	$7.0M+52.6%	$4.6M
Net Income	-$14.3M-171.2%	$20.1M-29.0%	$28.3M-2.2%	$28.9M+32.2%	$21.9M+169.3%	$8.1M-68.6%	$25.9M+55.6%	$16.6M
EPS (Diluted)	$-0.99	N/A	$1.91-2.1%	$1.95+31.8%	$1.48	N/A	$1.73+53.1%	$1.13

SAFT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$2.5B+8.9%	$2.3B+8.4%	$2.1B+6.2%	$2.0B-6.8%	$2.1B+3.1%	$2.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.9M+25.3%	$59.0M+54.6%	$38.2M+50.8%	$25.3M-60.2%	$63.6M+18.3%	$53.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	$179.1M
Goodwill	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M	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
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$50.0M	N/A	$30.0M	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
Retained Earnings	$844.1M+5.7%	$798.8M+2.2%	$781.2M-4.2%	$815.3M-0.8%	$821.7M+10.3%	$745.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$2.4B-1.5%	$2.5B+0.9%	$2.4B+3.6%	$2.4B+3.2%	$2.3B+0.9%	$2.3B0.0%	$2.3B+5.0%	$2.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$54.8M-25.8%	$73.9M+31.4%	$56.2M+13.8%	$49.4M-23.6%	$64.7M+9.7%	$59.0M-5.8%	$62.6M+40.4%	$44.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M0.0%	$17.1M
Total Liabilities	$1.6B0.0%	$1.6B+1.8%	$1.6B+4.0%	$1.5B+3.5%	$1.4B-0.1%	$1.4B+1.6%	$1.4B+5.0%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$50.0M0.0%	$50.0M+66.7%	$30.0M0.0%	$30.0M0.0%	$30.0M	N/A	N/A	N/A
Total Equity	$855.8M-4.1%	$892.3M-0.8%	$899.6M+3.0%	$873.3M+2.7%	$850.7M+2.7%	$828.5M-2.7%	$851.4M+5.1%	$810.2M
Retained Earnings	$816.3M-3.3%	$844.1M+0.8%	$837.5M+1.8%	$822.8M+1.9%	$807.3M+1.1%	$798.8M-0.6%	$803.9M+1.6%	$791.3M

SAFT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$194.5M+51.1%	$128.7M+146.9%	$52.1M+17.6%	$44.3M-68.7%	$141.4M+29.2%	$109.5M
Capital Expenditures	$2.5M-42.6%	$4.4M+144.9%	$1.8M-14.8%	$2.1M-74.6%	$8.2M-17.3%	$9.9M
Free Cash Flow	$192.0M+54.4%	$124.3M+147.0%	$50.3M+19.2%	$42.2M-68.3%	$133.2M+33.8%	$99.5M
Investing Cash Flow	-$125.7M-130.5%	-$54.5M-324.7%	$24.3M+221.4%	-$20.0M+69.7%	-$66.0M-85.8%	-$35.5M
Financing Cash Flow	-$53.9M-1.0%	-$53.3M+16.1%	-$63.5M-1.4%	-$62.6M+4.5%	-$65.6M-1.5%	-$64.6M
Dividends Paid	$53.9M+1.0%	$53.3M+0.1%	$53.3M+0.5%	$53.0M-1.8%	$54.0M-1.0%	$54.6M
Share Buybacks	$20.0M	N/A	$5.2M-64.1%	$14.6M+26.3%	$11.6M-71.1%	$40.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	-$17.0M-123.2%	$73.5M-13.9%	$85.5M+164.4%	$32.3M+918.7%	$3.2M-93.7%	$50.4M-31.7%	$73.8M+188.5%	$25.6M
Capital Expenditures	$1.8M-12.6%	$2.1M	$0-100.0%	$68K-79.5%	$332K+114.2%	$155K-74.3%	$603K+11.5%	$541K
Free Cash Flow	-$18.9M-126.4%	$71.4M-16.4%	$85.5M+164.9%	$32.3M+1035.3%	$2.8M-94.3%	$50.3M-31.3%	$73.2M+192.3%	$25.0M
Investing Cash Flow	$11.6M+127.2%	-$42.4M+34.8%	-$65.1M-89.4%	-$34.3M-312.9%	$16.1M+139.5%	-$40.8M+4.1%	-$42.6M-3092.3%	$1.4M
Financing Cash Flow	-$13.6M-1.0%	-$13.5M+0.9%	-$13.6M-2.2%	-$13.3M+2.2%	-$13.6M-2.5%	-$13.2M+0.1%	-$13.2M-0.1%	-$13.2M
Dividends Paid	$13.6M+1.0%	$13.5M-0.9%	$13.6M+2.2%	$13.3M-2.2%	$13.6M+2.5%	$13.2M-0.1%	$13.2M+0.1%	$13.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SAFT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	7.8%+1.5pp	6.3%+4.3pp	2.0%-3.8pp	5.8%-8.9pp	14.8%-1.6pp	16.3%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.06-1.7	1.74+1.7	0.04-1.4	1.43+0.1	1.28-0.0	1.32
FCF Margin	15.2%+4.1pp	11.1%+5.7pp	5.4%+0.1pp	5.3%-9.8pp	15.0%+3.3pp	11.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	-4.5%-10.8pp	6.3%-2.4pp	8.7%-0.5pp	9.2%+1.9pp	7.3%+4.4pp	2.8%-5.9pp	8.8%+2.6pp	6.2%
Return on Equity	-1.7%-3.9pp	2.3%-0.9pp	3.1%-0.2pp	3.3%+0.7pp	2.6%+1.6pp	1.0%-2.1pp	3.0%+1.0pp	2.1%
Return on Assets	-0.6%-1.4pp	0.8%-0.3pp	1.2%-0.1pp	1.2%+0.3pp	1.0%+0.6pp	0.4%-0.8pp	1.1%+0.4pp	0.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.060.0	0.06+0.0	0.030.0	0.030.0	0.04-1.7	1.74+0.1	1.670.0	1.67
FCF Margin	-6.0%-28.4pp	22.4%-3.8pp	26.2%+16.0pp	10.2%+9.3pp	0.9%-16.6pp	17.5%-7.3pp	24.8%+15.5pp	9.3%

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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 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 44 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.