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Jun 30, 2022

Safety Insurance Q2 2022 Earnings Report

Safety Insurance Group experienced a decrease in net income but an increase in non-GAAP operating income for Q2 2022.

Key Takeaways

Safety Insurance Group reported a decrease in net income for the quarter ended June 30, 2022, with net income at $7.9 million, or $0.53 per diluted share, compared to $37.7 million, or $2.49 per diluted share, for the comparable 2021 period. However, non-GAAP operating income for the quarter increased to $1.91 per diluted share, compared to $1.85 per diluted share for the same period in 2021. The company's combined ratio was 92.1%, reflecting strong underwriting discipline and expense management. Direct written premiums decreased slightly to $214.6 million.

Net income for Q2 2022 was $7.9 million, or $0.53 per diluted share, down from $37.7 million, or $2.49 per diluted share, in Q2 2021.

Non-GAAP operating income for Q2 2022 was $1.91 per diluted share, up from $1.85 per diluted share in Q2 2021.

Direct written premiums decreased by 1.2% to $214.6 million compared to $217.2 million in the comparable 2021 period.

The combined ratio for Q2 2022 was 92.1%, compared to 90.2% for the comparable 2021 period.

Total Revenue
$188M
Previous year: $194M
-3.1%
EPS
$1.91
Previous year: $1.85
+3.2%
Combined Ratio
92.1%
Previous year: 90.2%
+2.1%
Gross Profit
$178M
Previous year: $220M
-19.3%
Cash and Equivalents
$39.1M
Previous year: $82.4M
-52.5%
Free Cash Flow
$15M
Previous year: $47.5M
-68.4%
Total Assets
$1.95B
Previous year: $2.11B
-7.6%

Safety Insurance

Safety Insurance

Forward Guidance

The board of directors approved a cash dividend.