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Dec 31, 2021

Safety Insurance Q4 2021 Earnings Report

Safety Insurance's Q4 2021 performance was marked by a net income of $32.0 million and a non-GAAP operating income of $1.55 per diluted share, despite an increase in losses and loss adjustment expenses.

Key Takeaways

Safety Insurance Group reported a decrease in net income for the fourth quarter of 2021, with $32.0 million, or $2.14 per diluted share, compared to $52.9 million, or $3.55 per diluted share, for the same period in 2020. Non-GAAP operating income was $1.55 per diluted share, down from $2.55 per diluted share in the prior year. The company's book value per share increased to $62.47. The Board of Directors approved an increase to the share repurchase program of up to $50 million.

Net income for Q4 2021 was $32.0 million, or $2.14 per diluted share, which is lower than the $52.9 million, or $3.55 per diluted share, reported in Q4 2020.

Non-GAAP operating income for Q4 2021 was $1.55 per diluted share, compared to $2.55 per diluted share for the same period in 2020.

Losses and loss adjustment expenses incurred increased by $25.1 million, or 26.3%, to $120.9 million from $95.8 million for the comparable 2020 period.

The Board of Directors approved an increase to the share repurchase program of up to $50 million.

Total Revenue
$193M
Previous year: $196M
-1.9%
EPS
$1.55
Previous year: $2.55
-39.2%
Combined Ratio
96.4%
Gross Profit
$219M
Previous year: $229M
-4.5%
Cash and Equivalents
$63.6M
Previous year: $53.8M
+18.3%
Free Cash Flow
$29.4M
Previous year: $31.5M
-6.6%
Total Assets
$2.12B
Previous year: $2.05B
+3.1%

Safety Insurance

Safety Insurance