NASDAQ$SAFT

Safety Insurance Group Inc · Q4 2025 earnings

Q4 2025 earnings · · After market close · Investor relations

Briefing

Safety Insurance reported Q4 2025, net income of $20.1M.

For Q4 2025, Safety Insurance reported net income of $20.1M. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.

  • Net income $20.1M.
  • Safety Insurance MD&A covers liquidity, operations, and outlook.
  • Safety Insurance MD&A covers liquidity, operations, and outlook.

Headline financials

Total Revenue

$319M

Previous: $284M+12.4%
EPS (adj)

$1.51

Previous: $0.55+173.0%
Loss Ratio

70.8%

Previous: 71.7%-1.3%
Expense Ratio

28.6%

Previous: 30.2%-5.3%
Combined Ratio

99.4%

Previous: 101.9%-2.5%
Book Value Per Share

$60.98

Previous: $55.83+9.2%
Net Income

$20.1M

Previous: $8.13M+147.2%
Operating Income

$22.3M

Previous: $10.1M+120.8%

Revenue & EPS history

Safety Insurance · Revenue · Quarterly

$319M

Q4 2025+12.4%vs Q4 2024

Revenue by segment

Safety Insurance · $14M total across 1 segment · Q3 2023

  • Net Investment Income
    $14M

Forward guidance

The quarterly filing discusses operating priorities, capital returns, and sector risks; numeric multi-quarter bridges vary by issuer.

Tailwinds

  • MD&A highlights liquidity, capital, and core business trends.
  • Segment or product commentary supports the earnings narrative.

Headwinds

  • Macro, rates, or input costs may pressure near-term margins.
  • One-time items can affect year-over-year comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.3%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+0.4%

Avg return

30 days after

48%

31 / 65 earnings

Positive

+12.8%

Q3 2024

Best reaction

-8.1%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.9%-4.2%-3.6%
Q4 2025-0.7%-3.5%-7.3%
Q3 2025+2.0%+9.6%+6.0%
Q1 2025+0.3%-1.5%-4.9%
Q4 2024-5.5%-4.0%-0.6%
Q3 2024+12.8%+10.3%+11.3%
Q2 2024+0.7%+1.0%+6.7%
Q1 2024+3.9%+0.7%-5.3%
Q4 2023-3.8%-6.3%-3.8%
Q3 2023+4.2%+3.9%+3.0%
Q2 2023+0.7%+2.7%-3.8%
Q1 2023-1.6%-2.9%+3.7%
Q4 2022-8.1%-7.2%-16.1%
Q3 2022-3.0%+1.4%+4.4%
Q2 2022-0.2%+4.4%+4.3%
Q1 2022+1.9%+1.7%+7.9%
Q4 2021-2.3%-2.4%+7.0%
Q3 2021-0.5%+1.4%-0.4%
Q2 2021+1.6%+4.2%+4.8%
Q1 2021+4.1%+4.8%+1.2%
Q4 2020+2.8%+1.2%+6.0%
Q3 2020-0.9%+2.6%+5.4%
Q2 2020+1.5%+6.9%-3.8%
Q1 2020-3.2%-3.2%+0.9%
Q4 2019-6.2%-8.8%-15.5%
Q3 2019-3.3%-3.5%-2.9%
Q2 2019-3.0%-6.3%-4.0%
Q1 2019+0.3%+3.0%-1.9%
Q4 2018+0.1%-3.9%-4.7%
Q3 2018-1.6%+0.6%+3.0%
Q2 2018+2.3%+0.7%+5.6%
Q1 2018-0.9%+0.4%+7.3%
Q4 2017-2.5%-3.7%+4.0%
Q3 2017-1.3%-2.0%+0.4%
Q2 2017+3.5%+0.6%-0.3%
Q1 2017-1.6%-3.8%-5.1%
Q4 2016+1.0%-2.0%-6.2%
Q3 2016-2.4%-2.2%+4.7%
Q2 2016+1.3%+1.4%+7.4%
Q1 2016+5.1%
Q4 2015-0.2%
Q3 2015-2.3%
Q2 2015-4.0%
Q1 2015-5.2%
Q4 2014-1.4%
Q3 2014-5.9%
Q2 2014+2.1%
Q1 2014+1.0%
Q4 2013-2.7%
Q3 2013+2.3%
Q2 2013+1.3%
Q1 2013-0.2%
Q4 2012-3.3%
Q3 2012-2.2%
Q2 2012+1.4%
Q1 2011-0.4%
Q1 2012+2.5%
Q4 2009+1.3%
Q4 2011+1.3%
Q3 2011-2.9%
Q3 2010-2.9%
Q2 2011+2.3%
Q2 2010+2.3%
Q4 2010+2.3%
Q1 2010+0.4%

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