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Safety Insurance Group SAFT Property Liability And Casualty Insurance — Direct Premiums Earned

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Other financials

Income statement

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Revenue$325.7M+3.0%
Net income$34.5M+19.3%
EPS (diluted)$2.36+21.0%

Balance sheet

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Cash & equivalents$67.9M+37.5%
Total debt$59.8M+36.9%
Total equity$876.7M+0.4%
Total assets$2.5B+5.9%

Cash flow

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Operating cash flow$38.3M+18.6%
CapEx$627.0K+822%
Free cash flow$37.7M+16.9%

Valuation

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Market cap$1.52B+41.0%
Enterprise value$1.51B+41.0%
P/E22.1×+9.4×
P/S1.2×+0.3×

Profitability

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Net margin5.3%-1.7pp
FCF margin13.7%+0.4pp

Returns & leverage

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Return on equity7.8%-2.2pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Safety Insurance Group in its filing.

Tagged under the XBRL concept us-gaap:DirectPremiumsEarned.

The source filing: Safety Insurance Group’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:13 PM EST
Fiscal year
FY2025
Accession
0001172052-26-000005
Property and Casualty / Insurance Earned Premiums / Years ended December 31,Gross / AmountCeded to Other / CompaniesAssumed from / Other CompaniesNet / AmountPercent of / Amount / Assumed / to Net
2025$1,244,722$128,471$22,760$1,139,0112.0%
20241,102,695110,86518,8741,010,7041.9%
2023897,59892,88629,702834,4143.6%

ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES.

FAQ

What is Safety Insurance Group's property liability and casualty insurance — direct premiums earned?
Safety Insurance Group (SAFT) reported property liability and casualty insurance — direct premiums earned of $311.18M in Q4 2025.
How has Safety Insurance Group's property liability and casualty insurance — direct premiums earned changed year-over-year?
Safety Insurance Group's property liability and casualty insurance — direct premiums earned increased by 12.9% year-over-year, from $275.67M to $311.18M.
What is the long-term trend for Safety Insurance Group's property liability and casualty insurance — direct premiums earned?
Over 4 years (2021 to 2025), Safety Insurance Group's property liability and casualty insurance — direct premiums earned has grown at a 11.3% compound annual growth rate (CAGR), from $811.33M to $1.24B.
What does property liability and casualty insurance — direct premiums earned mean?
This measures the revenue earned from insurance policies directly underwritten by the company, excluding any premiums ceded to or assumed from other insurers. It provides a clear view of the company's core business performance and its ability to generate revenue from its own customer base. This metric is essential for evaluating the organic growth of the insurance segment.

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