Revenue: As of FY2025 Q4, the actual value is USD 319.34 M.EPS: As of FY2025 Q4, the actual value is USD 1.36.EBIT: As of FY2025 Q4, the actual value is USD 25.97 M.<h4>Full Year Ended December 31, 2025 vs. 2024</h4><ul><li>Net Income:<ul><li>2025: $99.3 million </li><li>2024: $70.7 million </li></ul></li><li>Non-GAAP Operating Income Per Diluted Share:<ul><li>2025: $5.71 </li><li>2024: $4.16 </li></ul></li><li>Combined Ratio:<ul><li>2025: 99.0% </li><li>2024: 101.1% </li></ul></li><li>Loss Ratio:<ul><li>2025: 70.0% </li><li>2024: 70.9% </li></ul></li><li>Expense Ratio:<ul><li>2025: 29.0% </li><li>2024: 30.2% </li></ul></li><li>Book Value Per Share:<ul><li>December 31, 2025: $60.98 </li><li>December 31, 2024: $55.83, an increase of 9.2% year-over-year </li></ul></li><li>Dividends Paid Per Common Share:<ul><li>2025: $3.64 </li><li>2024: $3.60 </li></ul></li><li>Direct Written Premiums:<ul><li>2025: $1,278.6 million, an increase of $85.5 million or 7.2% from 2024 </li><li>2024: $1,193.1 million </li></ul></li><li>Net Written Premiums:<ul><li>2025: $1,175.7 million, an increase of $82.2 million or 7.5% from 2024 </li><li>2024: $1,093.5 million </li></ul></li><li>Net Earned Premiums:<ul><li>2025: $1,139.0 million, an increase of $128.3 million or 12.7% from 2024 </li><li>2024: $1,010.7 million </li></ul></li><li>Losses and Loss Adjustment Expenses Incurred:<ul><li>2025: $797.2 million, an increase of $80.6 million or 11.2% from 2024 </li><li>2024: $716.6 million </li></ul></li><li>Net Investment Income:<ul><li>2025: $62.7 million, an increase of $7.0 million or 12.6% from 2024 </li><li>2024: $55.7 million </li></ul></li><li>Net Effective Annualized Yield on Investment Portfolio:<ul><li>2025: 4.0% </li><li>2024: 3.9% </li></ul></li></ul><h4>Fourth Quarter Ended December 31, 2025 vs. 2024</h4><ul><li>Net Income:<ul><li>Q4 2025: $20.1 million </li><li>Q4 2024: $8.1 million </li></ul></li><li>Non-GAAP Operating Income Per Diluted Share:<ul><li>Q4 2025: $1.51 </li><li>Q4 2024: $0.94 </li></ul></li><li>Combined Ratio:<ul><li>Q4 2025: 99.4% </li><li>Q4 2024: 101.9% </li></ul></li><li>Loss Ratio:<ul><li>Q4 2025: 70.8% </li><li>Q4 2024: 71.7% </li></ul></li><li>Expense Ratio:<ul><li>Q4 2025: 28.6% </li><li>Q4 2024: 30.2% </li></ul></li><li>Direct Written Premiums:<ul><li>Q4 2025: $299.6 million, an increase of $7.6 million or 2.6% from Q4 2024 </li><li>Q4 2024: $292.0 million </li></ul></li><li>Net Written Premiums:<ul><li>Q4 2025: $272.2 million, an increase of $16.7 million or 6.5% from Q4 2024 </li><li>Q4 2024: $255.5 million </li></ul></li><li>Net Earned Premiums:<ul><li>Q4 2025: $293.2 million, an increase of $24.1 million or 9.0% from Q4 2024 </li><li>Q4 2024: $269.1 million </li></ul></li><li>Losses and Loss Adjustment Expenses Incurred:<ul><li>Q4 2025: $207.7 million, an increase of $14.7 million or 7.6% from Q4 2024 </li><li>Q4 2024: $193.0 million </li></ul></li><li>Net Investment Income:<ul><li>Q4 2025: $16.9 million, an increase of $2.1 million or 14.3% from Q4 2024 </li><li>Q4 2024: $14.8 million </li></ul></li><li>Net Effective Annualized Yield on Investment Portfolio:<ul><li>Q4 2025: 4.2% </li><li>Q4 2024: 4.0% </li></ul></li></ul><h4>Balance Sheet Highlights (December 31, 2025 vs. 2024)</h4><ul><li>Total Assets:<ul><li>2025: $2,471.1 million </li><li>2024: $2,270.1 million </li></ul></li><li>Total Liabilities:<ul><li>2025: $1,578.8 million </li><li>2024: $1,441.6 million </li></ul></li><li>Total Shareholders’ Equity:<ul><li>2025: $892.3 million </li><li>2024: $828.5 million </li></ul></li></ul><h4>Other Key Metrics</h4><ul><li>Share Repurchases: Safety Insurance Group, Inc. repurchased $20 million of shares during the quarter ended December 31, 2025. </li><li>Average Written Premium Per Policy (Year Ended December 31, 2025): Increased by 8.1% in Private Passenger Automobile, 4.6% in Commercial Automobile, and 9.7% in Homeowners lines compared to the same period in 2024. </li><li>Total Prior Year Favorable Development:<ul><li>Year ended December 31, 2025: $44.6 million </li><li>Year ended December 31, 2024: $51.9 million </li><li>Quarter ended December 31, 2025: $11.4 million </li><li>Quarter ended December 31, 2024: $13.0 million </li></ul></li></ul><h4>Outlook / Guidance</h4>The report includes a cautionary statement regarding forward-looking statements, noting that future conditions and results could differ materially due to various risks and uncertainties. Safety Insurance Group, Inc. is not obligated to update or alter its forward-looking statements. No specific financial guidance or outlook for future periods is provided, beyond general statements about strengthening the investment portfolio and commitment to shareholder value.

Safety Insurance | 8-K: FY2025 Q4 Revenue: USD 319.34 M