SAFT (Safety Insurance Group, Inc.) Stock Financials & Earnings | Market Cap Arena

SAFT (Safety Insurance Group, Inc.) Stock Financials & Earnings | Market Cap Arena

SAFTSafety Insurance Group, Inc.

Mkt Cap$1B

Financial Services·Insurance - Property & Casualty·🇺🇸 United States·NASDAQ

Revenue (TTM)$1.3B

Net Income (TTM)$99M

EPS (TTM)$6.70

Free Cash Flow (TTM)$192M

Gross Margin36.4%

Op. Margin10.1%

Net Margin7.9%

FCF Margin15.3%

P/S Ratio (TTM)0.9x

P/E Ratio (TTM)11.0x

YoY Rev Growth+13.0%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$213M	$45M	-$15M
Q2 23	$229M	$85M	$21M
Q3 23	$227M	$67M	$2M
Q4 23	$258M	$86M	$16M
Q1 24	$267M	$98M	$26M
Q2 24	$267M	$95M	$21M
Q3 24	$291M	$109M	$33M
Q4 24	$285M	$92M	$10M
Q1 25	$300M	$109M	$28M
Q2 25	$316M	$122M	$37M
Q3 25	$323M	$118M	$36M
Q4 25	$315M	$108M	$25M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	1.4x	41.4x
Q2 23	1.3x	30.8x
Q3 23	1.3x	35.0x
Q4 23	1.2x	57.9x
Q1 24	1.1x	21.3x
Q2 24	1.1x	21.4x
Q3 24	1.0x	14.6x
Q4 24	1.0x	15.4x
Q1 25	1.0x	15.1x
Q2 25	0.9x	12.9x
Q3 25	0.9x	12.5x
Q4 25	0.9x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	-$13M	-$13M
Q2 23	-$546K	-$563K
Q3 23	$31M	$30M
Q4 23	$35M	$35M
Q1 24	-$21M	-$24M
Q2 24	$26M	$25M
Q3 24	$74M	$73M
Q4 24	$50M	$50M
Q1 25	$3M	$3M
Q2 25	$32M	$32M
Q3 25	$85M	$85M
Q4 25	$74M	$71M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$535K
Q2 23	$17K
Q3 23	$850K
Q4 23	$381K
Q1 24	$3M
Q2 24	$541K
Q3 24	$603K
Q4 24	$155K
Q1 25	$332K
Q2 25	$68K
Q3 25	$0
Q4 25	$2M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+10.6%	+25.1%
Q2 23	+28.9%	+23.7%
Q3 23	+18.2%	+21.8%
Q4 23	+27.3%	+26.3%
Q1 24	+25.5%	+5.8%
Q2 24	+16.8%	+18.6%
Q3 24	+28.5%	+15.2%
Q4 24	+10.4%	+13.4%
Q1 25	+12.4%	+12.6%
Q2 25	+18.2%	+13.4%
Q3 25	+11.0%	+11.2%
Q4 25	+10.7%	+5.6%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$1M	0.6%
Q2 23	$1M	0.5%
Q3 23	$824K	0.4%
Q4 23	$1M	0.4%
Q1 24	$1M	0.5%
Q2 24	$998K	0.4%
Q3 24	$1M	0.4%
Q4 24	$973K	0.3%
Q1 25	$1M	0.5%
Q2 25	$1M	0.4%
Q3 25	$1M	0.4%
Q4 25	$1M	0.4%

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$15M	$1.0B	$1.1B
Q2 23	$25M	$1.0B	$1.0B
Q3 23	$31M	$452M	$483M
Q4 23	$38M	$1.1B	$1.1B
Q1 24	$31M	$470M	$501M
Q2 24	$45M	$483M	$528M
Q3 24	$63M	$20M	$82M
Q4 24	$59M	$553M	$612M
Q1 25	$65M	$548M	$613M
Q2 25	$49M	$561M	$611M
Q3 25	$56M	$602M	$658M
Q4 25	$74M	$0	$74M

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	15M	-0.1%
Q2 23	15M	+0.3%
Q3 23	15M	-0.3%
Q4 23	15M	-0.0%
Q1 24	15M	+0.1%
Q2 24	15M	+0.2%
Q3 24	15M	+1.0%
Q4 24	15M	-1.0%
Q1 25	15M	+0.2%
Q2 25	15M	+0.3%
Q3 25	15M	-0.1%
Q4 25	15M	-0.6%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$1M	610
FY 15	$1M	622
FY 16	$1M	643
FY 17	$1M	623
FY 18	$1M	627
FY 19	$1M	609
FY 20	$1M	586
FY 21	$2M	552
FY 22	$1M	538
FY 23	$2M	538
FY 24	$2M	551
FY 25	$330K	4K