SAFTMEDIUM SIGNALFINANCIAL10-K

SAFT reported solid revenue growth of 12.8% to $1.3B while significantly increasing debt levels and improving market positioning despite losing some competitive rankings in Massachusetts.

The company demonstrated strong underlying business performance with meaningful net income growth and substantially higher operating cash flows, suggesting effective operational execution. However, the notable increase in debt levels to $50M and higher interest expenses warrant monitoring, particularly as the company appears to have lost some competitive positioning in its core Massachusetts market.

Comparing 2026-02-27 vs 2025-02-27View on EDGAR →
FINANCIAL ANALYSIS

SAFT delivered balanced growth with revenue expanding 12.8% to $1.3B and net income rising 40.3% to $99.3M, supported by substantially higher operating cash flows. The company increased its debt burden notably from $30M to $50M, resulting in higher interest expenses, though this was offset by stronger cash generation and a healthy cash position of $73.9M. The overall financial picture suggests a growing, profitable business that is taking on more leverage while maintaining solid liquidity.

FINANCIAL STATEMENT CHANGES
Total Debt
Balance Sheet
+66.7%
$30.0M$50.0M

Debt increased 66.7% — substantial leverage increase; assess whether deployed for growth or covering losses.

Interest Expense
P&L
+56.1%
$524K$818K

Interest expense surged 56.1% — significant debt increase or rising rates materially impacting earnings.

Operating Cash Flow
Cash Flow
+51.1%
$128.7M$194.5M

Operating cash flow surged 51.1% — exceptional cash generation, highest quality earnings signal.

Capital Expenditure
Cash Flow
-42.6%
$4.4M$2.5M

Capex reduced 42.6% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Net Income
P&L
+40.3%
$70.7M$99.3M

Net income grew 40.3% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
+25.3%
$59.0M$73.9M

Cash grew 25.3% — improving liquidity position supports investment and shareholder returns.

Revenue
P&L
+12.8%
$1.1B$1.3B

Revenue growing 12.8% — solid top-line momentum, watch margins for quality of growth.

Net Interest Income
P&L
+12.7%
$59.2M$66.7M

Net interest income grew 12.7% — benefiting from rate environment or loan book expansion.

LANGUAGE CHANGES
NEW — 2026-02-27
PRIOR — 2025-02-27
ADDED
As of February 13, 2026 there were 14,631,684 Common Shares with a par value of $0.01 per share outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 40 Item 7A.
We have used these relationships and, in particular, our extensive knowledge of the Massachusetts market to become the fourth largest private passenger automobile carrier and the largest commercial automobile carrier in Massachusetts, capturing an approximate 9.4% and 13.0% share, respectively, of the Massachusetts private passenger and commercial automobile markets in 2025 according to statistics compiled by Commonwealth Automobile Reinsurers ("CAR").
We also are the third largest homeowners insurance carrier in Massachusetts with a 7.0% share of that market in 2024.
We were ranked the 52 nd largest automobile writer in the country according to S P Global Market Intelligence, based on 2024 direct written premiums.
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REMOVED
As of February 14, 2025 there were 14,838,007 Common Shares with a par value of $0.01 per share outstanding.
Management's Discussion and Analysis of Financial Condition and Results of Operations 39 Item 7A.
We have used these relationships and, in particular, our extensive knowledge of the Massachusetts market to become the third largest private passenger automobile carrier and the second largest commercial automobile carrier in Massachusetts, capturing an approximate 9.7% and 12.9% share, respectively, of the Massachusetts private passenger and commercial automobile markets in 2024 according to statistics compiled by Commonwealth Automobile Reinsurers ("CAR").
We also are the third largest homeowners insurance carrier in Massachusetts with a 6.3% share of that market in 2023.
We were ranked the 55 th largest automobile writer in the country according to S P Global Market Intelligence, based on 2023 direct written premiums.
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