SAFTSafety Insurance Group, Inc.

$1B

Q4 2018 Earnings

Financial Services Insurance - Property & Casualty

Income Statement

Revenue

$178M-5.5% YoY

Gross Profit

$60M33.7% margin

Operating Income

-$1M-0.8% margin

Net Income

$18M10.3% margin

EPS (Diluted)

$1.19

QoQ Revenue Growth

-21.0%

Cash Flow

Operating Cash Flow

$37M

Free Cash Flow

$37M

Stock-Based Comp.

$2M

Balance Sheet

Total Assets

$1.9B

Total Liabilities

$1.1B

Stockholders' Equity

$719M

Cash & Equivalents

$38M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$178M	$188M	-5.5%
Gross Profit	$60M	$54M	+11.8%
Operating Income	-$1M	-$10M	+86.7%
Net Income	$18M	$11M	+62.2%

SAFT Q4 2018 Earnings — Safety Insurance Group, Inc. Revenue & Financial Results | Market Cap Arena