Safety Insurance Q4 net income $1.36/sh; full-year combined ratio 99.0% vs 101.1%

SAFETY INSURANCE GROUP INC

2025-FY EPS reported $6.70 revenue$1,263,732,000

Q4 net income $20.1M ($1.36/diluted) vs $8.1M ($0.55) a year ago; full-year net income $99.3M ($6.70) vs $70.7M ($4.78).
Full-year combined ratio improved to 99.0% from 101.1%; loss ratio 70.0%, expense ratio 29.0%.
Book value per share rose 9.2% to $60.98 from $55.83; direct written premiums up 7.2% to $1,278.6M.
Board declared $0.92 quarterly dividend (up from $0.90), payable March 13, 2026; $20M in share repurchases in Q4.
Net investment income up 12.6% to $62.7M; net effective yield 4.0% vs 3.9% prior year.

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