Safety Insurance Group SAFT Percentage payout of incurred claims, year ten

Percentage payout of incurred claims, year ten at other companies

W.R. BerkleyWRB

3.4%+0.3pp

RenaissanceRe HoldingsRNR

-0.3%-0.5pp

W.R. BerkleyWRB

0%—

W.R. BerkleyWRB

4.5%+0.7pp

W.R. BerkleyWRB

4.6%-0.4pp

W.R. BerkleyWRB

7.4%+0.9pp

Segments

By product

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Private Passenger Automobile Physical Damage0%—

Property And Casualty Commercial Automobile Insurance Product Line0%—

Property Insurance Product Line0%—

Other financials

Income statement

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Revenue$314.7M+4.4%

Net income-$14.3M-165%

EPS (diluted)-$0.99-167%

Balance sheet

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Cash & equivalents$54.8M-15.3%

Total debt$61.1M+36.8%

Total equity$855.8M+0.6%

Total assets$2.4B+6.3%

Cash flow

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Operating cash flow-$17.0M-637%

CapEx$1.8M+455%

Free cash flow-$18.9M-764%

Valuation

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Market cap$1.06B-8.2%

Enterprise value$1.07B-6.1%

P/E16.9×+0.9×

P/S0.8×-0.2×

Profitability

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Net margin4.9%-1.4pp

FCF margin13.3%+0.2pp

Returns & leverage

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Return on equity7.4%-1.4pp

Debt / equity0.1×0.0×