Safety Insurance Group, Inc. (SAFT)

NASDAQ: SAFT · USD

$104

-0.26 (-0.3%)· Recorded snapshot

Market cap	1.5B
Revenue (ttm)	1.3B
Net income (ttm)	69.2M
EPS (ttm)	$4.66
Shares out	14.7M
P/E (trailing)	22.3x
Dividend	$3.68 (3.53%)
Volume	126,139
Beta	0.17

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.3B
Net income (ttm): 69.2M
EPS (ttm): $4.66
P/E (trailing): 22.3x
Market cap: 1.5B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E22.3

P25 n/aP50 n/aP75 n/a

ROE7.8

P25 n/aP50 n/aP75 n/a

ROIC7.6

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SAFT indicators

Market & fundamental data

Available fields

263

Groups with data

Currency

USD

Showing 263 of 263 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001172052
Company name	Safety Insurance Group, Inc.
Country	United States
Country code	US
CUSIP number	78648T100
Earnings date	2026-11-10
Earnings time	amc
Employees	568
Employees change	17
Employees growth	3.09%
Enterprise value	$1.5B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1979
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
Is primary listing	Yes
Is SPAC	No
ISIN number	US78648T1007
Last 10-K release date	2026-02-27
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$1.5B
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$104.00
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	SAFT
U.S. state	Massachusetts
Website	https://www.safetyinsurance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	18.25x
Average P/E ratio (3Y)	21.44x
Average P/E ratio (5Y)	21.41x
Earnings yield	4.48%
EV/Earnings	22x
EV/EBIT	16.93x
EV/EBITDA	15.94x
EV/FCF	8.66x
EV/Sales	1.18x
FCF / EV yield	11.54%
FCF yield	11.48%
Graham number	79.12933
Graham upside	-24.11%
Industry forward P/E	12.53x
Industry P/E	10.09x
Lynch fair value	$23.31
Lynch upside	-77.65%
P/(FCF - SBC) ratio	8.97x
P/(OCF - SBC) ratio	8.73x
P/B ratio	1.75x
P/E ratio	22.31x
P/FCF ratio	8.71x
P/OCF ratio	8.49x
P/S ratio	1.19x
Price / tangible book value	1.79x
Price/EBITDA ratio	16.02x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	6.99%
EBITDA margin	7.43%
Effective tax rate	21.6%
FCF margin	13.66%
Gross margin	7.65%
Operating margin	6.99%
Pretax margin	6.8%
Profit margin	5.33%
Profit per employee	$121,833
Profitable quarters	1
Profitable years	10
Revenue per employee	$2.3M
ROA	2.31%
ROA (5Y)	2.7%
ROCE	9.63%
ROE	7.84%
ROE (5Y)	8.46%
ROIC	7.61%
ROIC (5Y)	8.03%
SBC / revenue	0.39%
Tax / revenue	1.47%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-18.68%
EPS growth (Q)	21.03%
EPS growth 10Y	2.2%
EPS growth 3Y	24.8%
EPS growth 5Y	-16.55%
EPS growth quarters	1
EPS growth years	2
FCF growth	10.81%
FCF growth (Q)	16.88%
FCF growth 3Y	81.87%
FCF growth 5Y	5.14%
Net income growth	-19.14%
Net income growth (Q)	19.28%
Net income growth 3Y	25.12%
Net income growth 5Y	-16.65%
Net income growth quarters	1
Net income growth years	2
OCF growth	12.88%
OCF growth (Q)	18.58%
OCF growth 10Y	7.41%
OCF growth 3Y	79.52%
OCF growth 5Y	4.19%
Revenue growth	7.21%
Revenue growth (Q)	2.95%
Revenue growth (QoQ)	3.5%
Revenue growth 10Y	4.8%
Revenue growth 3Y	14.27%
Revenue growth 5Y	7.35%
Revenue growth quarters	15
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-4.6M
EBIT	$89.9M
EBITDA	$95.5M
EPS	$4.66
FCF per share	$11.97
Financing cash flow	$-54M
Free cash flow	$175.7M
Free cash flow minus SBC	$170.7M
Gross profit	$98.3M
Income taxes	$18.9M
Investing cash flow	$-107.8M
Net borrowing	$20M
Net cash flow	$18.5M
Net income	$69.2M
Operating cash flow minus SBC	$175.3M
Operating income	$89.9M
Revenue	$1.3B
Stock-based compensation	$5M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$59.70
Debt / EBITDA	0.6
Debt / equity	0.07
Debt / FCF	0.34
Goodwill	$17.1M
Interest coverage	37.23
Net cash (debt)	$8.1M
Net cash / market cap	0.53%
Net cash growth	41.6%
Net debt / EBITDA	-0.09
Net debt / equity	-0.01
Net debt / FCF	-0.05
Piotroski F-Score	4
Property, plant and equipment	$9.8M
Shareholders' equity	$876.7M
Tangible book value	$853.3M
Tangible book value per share	$58.11
Total assets	$2.5B
Total cash	$67.9M
Total debt	$59.8M
Total liabilities	$1.6B
WACC	5.08%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.53
Current ratio	0.39
Net working capital	$-1B
Quick ratio	0.27
Working capital	$-964.7M

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	0.71%
Dividend growth	1.66%
Dividend growth (10Y)	2.77%
Dividend growth (3Y)	0.74%
Dividend growth (5Y)	0.44%
Dividend growth years	1
Dividend payment date	2026-09-15
Dividend payment years	24
Dividend payout frequency	Quarterly
Dividend per share	$3.68
Dividend yield	3.53%
Ex-dividend date	2026-09-01
FCF payout ratio	30.74%
Last dividend	$0.92
Payout ratio	78.95%
Shareholder yield	4.24%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	56.78%
10Y return CAGR	9.18%
10Y total return	140.6%
150-day SMA	$87.09
15Y price change	136.54%
15Y return CAGR	10.74%
15Y total return	361.65%
1D price change	-0.25%
1M price change	0.57%
1M total return	0.57%
1W price change	-0.03%
1W total return	-0.03%
1Y price change	50.33%
1Y return CAGR	57.48%
1Y total return	57.43%
20-day SMA	$103.97
200-day SMA	$84.38
20Y price change	107.62%
20Y return CAGR	8.37%
20Y total return	399.48%
3M price change	1.07%
3M total return	1.97%
3Y price change	39.51%
3Y return CAGR	16.95%
3Y total return	59.98%
50-day SMA	$103.69
50-day SMA vs 200-day SMA	50over200
52-week high	$104.30
52-week high date	2026-10-28
52-week low	$67.04
52-week low date	2025-10-29
5Y price change	32.58%
5Y return CAGR	10.67%
5Y total return	66.02%
6M price change	36.11%
6M total return	39.16%
All-time high	$104.35
All-time high date	2026-10-28
All-time low	$12.00
All-time low date	2002-11-22
Average true range (ATR)	$0.24
Average volume	109.1K
Beta (1Y)	-0.33
Beta (2Y)	0.24
Beta (5Y)	0.17
Change from 52-week high	-0.29%
Change from 52-week low	55.14%
Change from all-time high	-0.24%
Change from all-time low	767.5%
Change from open	-0.23%
Day's gap	-0.02%
Dollar volume	$13.1M
High price	$104.24
Low price	$104.00
Monthly RSI	67.69
Open price	$104.24
Position in 52-week range	0%
Previous close	$104.26
Price vs 150-day SMA	19.54%
Price vs 20-day SMA	0.13%
Price vs 200-day SMA	23.37%
Price vs 50-day SMA	0.4%
Relative volume	1.16
RSI	61.5
Sharpe ratio	1.11
Sharpe ratio (3Y)	0.53
Sharpe ratio (5Y)	0.34
Sortino ratio	4.74
Sortino ratio (3Y)	1.49
Sortino ratio (5Y)	0.92
Volume	126.1K
Weekly RSI	78.79
YTD price change	33.62%
YTD total return	38.24%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	13.6M
Float percentage	92.61%
Shares change (QoQ)	0.41%
Shares change (YoY)	-0.71%
Shares held by insiders	2.22%
Shares held by institutions	76.68%
Shares outstanding	14.7M
Short % of float	3.22%
Short % of shares	2.98%
Short ratio	3.4 days

Deeper analysis on SAFT

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this SAFT report

Is a complete SAFT research report available?

No complete published report is available for Safety Insurance Group, Inc. (SAFT) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Safety Insurance Group, Inc. (SAFT)

Price

Financial snapshot

Fair-value bridge

Latest news · SAFT

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SAFT indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SAFT

Frequently asked questions