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SAFETY INSURANCE GROUP INC

SAFT

$104.28 ▼ -0.07 (-0.07%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SAFETY INSURANCE GROUP INC shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.5B

Dividend Yield 3.49%

Revenue Growth 12.8% ↘

Op. Margin 10.0% ↗

ROIC None

FCF / Share None

Trailing P/E 15.5x

Price / Book 1.7x

FCF Yield —

Debt / Equity 0.06

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.26B

↑ +12.8% —

Net Income Profit after all expenses

$99.25M

↑ +40.3% —

Operating Margin Operating profit as % of sales

10.0%

↑ +24.9% 56th

Long-Term Debt Long-term obligations

$50.00M

↑ +66.7% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$3.64 Latest / share

+1.1% YoY

+3.1% 12-yr CAGR

$2.60

FY 2014

$2.80

FY 2015

$2.80

FY 2016

$3.00

FY 2017

$3.20

FY 2018

$3.40

FY 2019

$3.60

FY 2020

$3.60

FY 2021

$3.60

FY 2022

$3.60

FY 2023

$3.60

FY 2024

$3.64

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	12.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+114%)	20.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	16.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+179%)	-9.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-265%)	4.6% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-24%)	-3.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-160%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-105%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-61%)	2.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	2.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-59%)	4.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	5.9% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	6.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	7.7% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+29%)	3.5% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	—	—
EPS Growth YoY (%)	40.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	274.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-59.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-64.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-4.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	41.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	32.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-3.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-1.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	322.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-75.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	7.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	40.3% Excellent ↓ Excellent Declining Year-over-year change in net income	274.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-59.5% Weak ↓ Weak Declining Year-over-year change in net income	-64.4% Weak ↓ Weak Declining Year-over-year change in net income	-5.4% Weak ↓ Weak Declining Year-over-year change in net income	38.8% Excellent ↑ Excellent Improving Year-over-year change in net income	19.7% Good ↑ Good Improving Year-over-year change in net income	33.4% Excellent Excellent Year-over-year change in net income	-3.4% Weak Weak Year-over-year change in net income	N/M	N/M	-3.3% Weak ↓ Weak Declining Year-over-year change in net income	5.7% Fair ↓ Fair Declining Year-over-year change in net income	323.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-75.7% Weak Weak Year-over-year change in net income	4.0% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-3.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.7% Fair Fair Compound annual revenue growth over 3 years	5.9% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	5.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.2% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	1.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	1.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.4% Fair Fair Compound annual revenue growth over 5 years	5.6% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	28.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-18.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-48.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	30.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	—	1.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	—	63.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	2.2% Caution Caution Compound annual EPS growth over 3 years	2.9% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	10.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	8.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	2.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	7.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	18.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	20.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	14.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	12.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	10.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	11.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	-3.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-114%)	10.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	11.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	—	—	—	—	—
Effective Tax Rate (%) (%)	21.7% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.8% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	51.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.0% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	7.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	6.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	2.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	5.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	14.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	16.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	11.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-48%)	9.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	7.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	7.9% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	-1.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	7.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	8.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	8.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	2.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	9.2% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	9.1% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	4.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	6.7% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.9% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	3.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	3.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	3.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-7%)	8.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	5.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	14.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	15.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+30%)	12.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	9.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	-2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-118%)	8.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.06x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.04x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$85.90	$76.23	$63.49	$54.60	$59.68	$56.41	$57.74	$55.47	$55.90	$54.85	$53.67	$52.05	$49.14	$46.04	$43.53	$40.67	$38.11	—
Basic EPS, GAAP (USD)	$6.72	$4.79	$1.28	$3.17	$8.85	$9.25	$6.52	$5.48	$4.13	$4.29	$-0.93	$3.93	$3.99	$3.80	$0.90	$3.74	$3.49	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$3.64	$3.60	$3.60	$3.60	$3.60	$3.60	$3.40	$3.20	$3.00	$2.80	$2.80	$2.60	$2.40	$2.20	$2.00	$1.80	$1.60	—
Book Value per Share (USD)	$60.65	$56.39	$54.85	$55.59	$62.53	$58.97	$53.18	$47.65	$46.70	$44.88	$43.35	$47.34	$45.84	—	—	—	—	—
Tangible Book Value per Share (USD)	$59.49	$55.23	$53.68	$54.42	$62.53	$58.97	$53.18	$47.65	$46.70	$44.88	$43.35	$47.34	$45.84	—	—	—	—	—
Basic Weighted Avg Shares (shares)	14.71M	14.69M	14.66M	14.61M	14.83M	15.00M	15.20M	15.08M	15.01M	14.95M	14.87M	14.96M	15.17M	15.29M	15.17M	15.07M	15.53M	—
Dividend Payout Ratio (%)	—	—	—	—	—	38.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	52.1% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	58.4% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	72.6% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	65.3% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-301.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	66.2% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	60.2% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$50.00M	—	$30.00M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$892.31M	$828.46M	$804.27M	$812.00M	$927.17M	$884.68M	$808.41M	$718.64M	$701.02M	$670.73M	$644.50M	$708.28M	$695.19M	—	—	—	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$1.26B	$1.12B	$930.96M	$797.56M	$884.91M	$846.25M	$877.75M	$836.50M	$839.11M	$819.82M	$797.95M	$778.80M	$745.28M	$703.87M	$660.16M	$612.72M	$591.95M	—
Depreciation Expense (USD)	$5.83M	$11.51M	$7.84M	$7.88M	$6.90M	$7.53M	$5.17M	$5.46M	$5.04M	$4.38M	$3.91M	$4.13M	$3.97M	$4.45M	$3.28M	$2.53M	—	—
Net Income, GAAP (USD)	$99.25M	$70.73M	$18.88M	$46.56M	$130.71M	$138.21M	$99.60M	$83.19M	$62.39M	$64.58M	$-13.85M	$59.35M	$61.35M	$58.07M	$13.70M	$56.34M	$54.15M	—
Operating Cash Flow (USD)	$194.50M	$128.69M	$52.11M	$44.33M	$141.39M	$109.46M	$112.46M	$127.69M	$82.04M	$98.82M	$22.89M	—	—	$104.35M	$39.48M	$51.20M	$64.48M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Premiums Earned (USD)	$1.14B	$1.01B	$834.41M	$758.50M	$774.33M	$771.08M	$788.78M	$781.59M	$774.42M	$755.76M	$738.16M	$716.88M	$681.87M	$642.47M	$598.37M	$551.95M	$531.97M	—
Loss Ratio (%) (%)	70.0%	70.9%	77.0%	64.9%	59.6%	52.5%	64.6%	62.1%	65.1%	65.3%	83.0%	66.5%	65.7%	65.7%	78.0%	65.4%	65.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 18 years · 68 quarters

SAFETY INSURANCE GROUP INC

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