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Safety Insurance Group SAFT Q4 2025 Annual earnings

Reported February 25, 2026 · After market close

Revenue$299.6MMiss by $15.7M
EPS$1.51Beat by $0.23
Revenue estimate$315.3M
EPS estimate$1.28

Next report

Nov 2, 2026 (in a month)

Financials

Q4 2025

Income statement

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Revenue$319.3M+11.4%
Net income$20.1M+147%
EPS (diluted)$1.37+154%

Balance sheet

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Cash & equivalents$73.9M+25.3%
Total debt$61.9M+35.3%
Total equity$892.3M+7.7%
Total assets$2.5B+8.9%

Cash flow

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Operating cash flow$73.6M+45.9%
CapEx$2.1M+1,260%
Free cash flow$71.4M+42.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.16B-5.1%
Enterprise value$1.15B-5.0%
P/E11.7×-5.6×
P/S0.9×-0.2×

Profitability

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Net margin7.9%+1.5pp
FCF margin15.2%+4.1pp

Returns & leverage

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Return on equity11.5%+2.9pp
Debt / equity0.1×0.0×

FAQ

When did Safety Insurance Group report Q4 2025 earnings?
Safety Insurance Group (SAFT) reported Q4 2025 earnings on February 25, 2026 after market close.
What were Safety Insurance Group's Q4 2025 revenue and EPS?
Safety Insurance Group reported revenue of $299.6M and eps of $1.51 for Q4 2025.
Did Safety Insurance Group beat estimates in Q4 2025?
Revenue missed the consensus estimate of $315.3M by $15.7M. EPS beat the consensus estimate of $1.28 by $0.23.
How did Safety Insurance Group's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1316.1% from $21.2M a year earlier and eps grew 60.6% from $0.94.
Where can I find Safety Insurance Group's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001172052-26-000002) and the 10-K periodic report (0001172052-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.