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Safety Insurance Group, Inc. SAFT

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Price alert · SAFT

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104.11 USD +0.21 +0.20%

As of Nov 2, 10:28 AM ET

Bid
104.10 × 1
Ask
104.12 × 4
103.95 Day range 104.11
67.38 52-week range 104.35
YTD
+33.62%
1 year
+51.47%
Open
103.95
Prev close
103.90
Mkt cap
1.53B
Vol
4.52K
Avg vol
132.85K
EPS
4.66
P/E
22.34
Div yield
3.54%
More statistics
Low
103.95
High
104.11
Forward P/E
16.62
Beta
0.17
Short ratio
2.90
Inst. own
85.32%
Dividend
3.68
Ex-div date
Aug 31, 2026
Earnings
Nov 2, 2026
50-d avg
103.69
200-d avg
84.52
1y target
0.00

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Financial health

Altman Z-Score

2.06 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 2
  • P/B 3

Valuation

P/E 11.6×
FY 2016: 17.2×FY 2017: 19.5×FY 2018: 14.8×FY 2019: 14.2×FY 2020: 8.4×FY 2021: 9.6×FY 2022: 26.6×FY 2023: 60.1×FY 2024: 17.2×FY 2025: 11.6×
FY 2016 5y median 17.2× FY 2025
P/S 0.9×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 1.6×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
P/B 1.3×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.7×FY 2019: 1.7×FY 2020: 1.3×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.4×FY 2024: 1.5×FY 2025: 1.3×
FY 2016 5y median 1.4× FY 2025
P/FCF 6.0×
FY 2016: 11.7×FY 2017: 15.9×FY 2018: 10.6×FY 2019: 13.7×FY 2020: 11.7×FY 2021: 9.5×FY 2022: 29.1×FY 2023: 22.4×FY 2024: 9.7×FY 2025: 6.0×
FY 2016 5y median 9.7× FY 2025
EV/EBITDA 8.4×
FY 2016: 11.1×FY 2017: 12.7×FY 2018: 10.9×FY 2019: 10.8×FY 2020: 6.4×FY 2021: 7.3×FY 2022: 18.9×FY 2023: 35.4×FY 2024: 12.0×FY 2025: 8.4×
FY 2016 5y median 12.0× FY 2025
EV/Sales 0.9×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.4×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.5×FY 2022: 1.6×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
FCF Yield 16.8%
FY 2016: 8.5%FY 2017: 6.3%FY 2018: 9.4%FY 2019: 7.3%FY 2020: 8.5%FY 2021: 10.6%FY 2022: 3.4%FY 2023: 4.5%FY 2024: 10.3%FY 2025: 16.8%
FY 2016 5y median 10.3% FY 2025

Profitability

Gross Margin 36.4%
FY 2016: 40.4%FY 2017: 40.3%FY 2018: 41.8%FY 2019: 41.8%FY 2020: 51.9%FY 2021: 46.6%FY 2022: 37.3%FY 2023: 30.6%FY 2024: 35.4%FY 2025: 36.4%
FY 2016 5y median 36.4% FY 2025
Operating Margin 10.1%
FY 2016: 12.6%FY 2017: 11.1%FY 2018: 13.1%FY 2019: 14.1%FY 2020: 20.8%FY 2021: 19.0%FY 2022: 7.6%FY 2023: 2.6%FY 2024: 8.1%FY 2025: 10.1%
FY 2016 5y median 8.1% FY 2025
Net Margin 7.9%
FY 2016: 7.8%FY 2017: 7.4%FY 2018: 10.0%FY 2019: 11.4%FY 2020: 16.4%FY 2021: 15.1%FY 2022: 5.9%FY 2023: 2.0%FY 2024: 6.4%FY 2025: 7.9%
FY 2016 5y median 6.4% FY 2025
ROE 11.1%
FY 2016: 9.6%FY 2017: 8.9%FY 2018: 11.6%FY 2019: 12.3%FY 2020: 15.6%FY 2021: 14.1%FY 2022: 5.7%FY 2023: 2.3%FY 2024: 8.5%FY 2025: 11.1%
FY 2016 5y median 8.5% FY 2025
ROIC 10.4%
FY 2016: 18.6%FY 2017: 15.4%FY 2018: 19.8%FY 2019: 0.0%FY 2020: 460.7%FY 2021: 12.9%FY 2022: 5.2%FY 2023: 2.1%FY 2024: 235.8%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025
ROA 4.0%
FY 2016: 3.7%FY 2017: 3.5%FY 2018: 4.5%FY 2019: 4.9%FY 2020: 6.7%FY 2021: 6.2%FY 2022: 2.4%FY 2023: 0.9%FY 2024: 3.1%FY 2025: 4.0%
FY 2016 5y median 3.1% FY 2025

Growth (YoY)

Revenue 13.0%
FY 2016: 3.0%FY 2017: 2.0%FY 2018: -1.0%FY 2019: 4.9%FY 2020: -4.0%FY 2021: 2.9%FY 2022: -9.2%FY 2023: 17.9%FY 2024: 19.8%FY 2025: 13.0%
FY 2016 FY 2025
Operating Income 41.0%
FY 2016: 604.1%FY 2017: -10.2%FY 2018: 17.4%FY 2019: 12.9%FY 2020: 41.3%FY 2021: -6.0%FY 2022: -63.7%FY 2023: -59.0%FY 2024: 268.0%FY 2025: 41.0%
FY 2016 FY 2025
EPS (diluted) 40.2%
FY 2016: 559.1%FY 2017: -4.0%FY 2018: 33.2%FY 2019: 18.3%FY 2020: 42.1%FY 2021: -4.1%FY 2022: -64.2%FY 2023: -59.4%FY 2024: 273.4%FY 2025: 40.2%
FY 2016 FY 2025
Free Cash Flow 54.4%
FY 2016: 398.2%FY 2017: -19.0%FY 2018: 53.1%FY 2019: -11.7%FY 2020: -3.3%FY 2021: 33.8%FY 2022: -68.3%FY 2023: 19.2%FY 2024: 147.0%FY 2025: 54.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.8×
FY 2016: 2.7×FY 2017: 3.7×FY 2018: 2.8×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 0.0×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
Quick Ratio 0.8×
FY 2016: 2.7×FY 2017: 3.7×FY 2018: 2.8×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.4×FY 2022: 1.3×FY 2023: 1.2×FY 2024: 0.0×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Net Debt / EBITDA -0.1×
FY 2016: -0.2×FY 2017: -0.5×FY 2018: -0.3×FY 2019: -0.1×FY 2020: 0.0×FY 2021: -0.0×FY 2022: 0.5×FY 2023: 0.4×FY 2024: -0.1×FY 2025: -0.1×
FY 2016 5y median -0.0× FY 2025
Interest Coverage 82.8×
FY 2016: 1155×FY 2017: 1037×FY 2018: 1218×FY 2019: 1374×FY 2020: 397×FY 2021: 315×FY 2022: 114×FY 2023: 29.9×FY 2024: 177×FY 2025: 82.8×
FY 2016 5y median 114× FY 2025

Dividends

Dividend Yield 4.7%
FY 2016: 3.8%FY 2017: 3.8%FY 2018: 4.0%FY 2019: 3.7%FY 2020: 4.7%FY 2021: 4.3%FY 2022: 4.3%FY 2023: 4.7%FY 2024: 4.4%FY 2025: 4.7%
FY 2016 5y median 4.4% FY 2025
Payout Ratio 54.3%
FY 2016: 65.4%FY 2017: 72.9%FY 2018: 58.7%FY 2019: 52.9%FY 2020: 39.5%FY 2021: 41.3%FY 2022: 113.9%FY 2023: 282.3%FY 2024: 75.4%FY 2025: 54.3%
FY 2016 5y median 75.4% FY 2025

Annual · latest fiscal year ends 2025-12-31