Safety Insurance Group, Inc. SAFT R2KR3KFINANCIAL
Company Overview
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, and insure individual vehicles, as well as commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. Additionally, the company offers inland marine coverage for homeowners and business owner policies; and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.
Why Investors Should Care
Carries low leverage with a debt-to-equity ratio of 0.07.
Offers a dividend yield of 3.55%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $1.25B (+13.0% YoY); net profit $99.25M.
- Trailing 12 Months Year-on-year growth — revenue +3.0%, earnings +21.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 4.8%, profit CAGR 3.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 4.80% |
| 1 Year: | 3.00% |
Compounded Profit Growth
| 5 Years: | 3.86% |
| 1 Year: | 21.00% |
Stock Price Performance
| 1 Year: | +46.81% |
| 6 Months: | +40.74% |
| 3 Months: | +48.10% |
| 1 Month: | +0.55% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)82.05 · Overbought
P/E of 22.18 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 3.55%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 82 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SAFT Safety Insurance Group, Inc. R2KR3KFINANCIAL | 103.15 | 22.18 | $1.51B | 3.55% | - | 7.84% | 4.80% | 3.86% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 201.04M | 199.83M | 202.95M | 210.09M | 206.96M | 204.77M | 208.25M | 212.53M | 213.56M | 209.72M | 207.97M | 215.91M | 202.90M | 222.58M | 216.00M | 215.27M | 223.90M | 181.04M | 207.77M | 222.40M | 235.03M | 221.91M | 222.88M | 213.71M | 195.00M | 183.60M | 192.35M | 213.76M | 229.44M | 229.36M | 268.23M | 269.78M | 295.28M | - | 299.64M | 315.93M | 323.21M | 315.30M | 311.11M | 325.68M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 28.33M | 37.27M | 36.64M | 25.97M | -17.24M | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 104.00K | 442.00K | 426.00K | 558.00K | 618.00K | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 28.23M | 36.83M | 36.21M | 25.42M | -17.86M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.33M | 7.89M | 7.90M | 5.30M | -3.54M | - |
| Net Income | - | 12.67M | 21.36M | 18.60M | 11.95M | 12.02M | 21.11M | 17.95M | 11.31M | 9.12M | 26.82M | 28.91M | 18.35M | 29.95M | 25.93M | 15.62M | 28.10M | -1.99M | 42.49M | 44.74M | 52.97M | 36.17M | 37.67M | 24.82M | 7.84M | 7.90M | 6.19M | -12.34M | 17.00M | 1.95M | 20.08M | 16.64M | 25.89M | - | 21.90M | 28.94M | 28.31M | 20.11M | -14.32M | 34.52M |
| Diluted EPS | 0.69 | 0.84 | 1.41 | 1.23 | 0.79 | 0.79 | 1.39 | 1.18 | 0.72 | 0.60 | 1.75 | 1.88 | 1.19 | 1.95 | 1.68 | 1.01 | 1.82 | -0.13 | 2.78 | 2.96 | 3.55 | 2.42 | 2.49 | 1.64 | 0.53 | 0.53 | 0.42 | -0.84 | 1.15 | 0.13 | 1.36 | 1.13 | 1.73 | - | 1.48 | 1.95 | 1.91 | 1.36 | -0.99 | 2.36 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 591.95M | 612.72M | 660.16M | 703.87M | 745.28M | 778.80M | 797.95M | 819.82M | 839.11M | 836.50M | 877.75M | 846.25M | 884.91M | 785.06M | 925.95M | 1.11B | 1.25B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 60.10M | 25.24M | 90.38M | 128.21M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 524.00K | 818.00K | 509.00K | 1.53M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | 59.58M | 24.42M | 89.87M | 126.68M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | 13.02M | 5.54M | 19.13M | 27.43M |
| Net Income | 54.15M | 56.34M | 13.70M | 58.07M | 61.35M | 59.35M | -13.85M | 64.58M | 62.39M | 83.19M | 99.60M | 138.21M | 130.71M | 46.56M | 18.88M | 70.73M | 99.25M |
| Diluted EPS | 3.48 | 3.74 | 0.90 | 3.80 | 3.98 | 3.91 | -0.93 | 4.27 | 4.10 | 5.43 | 6.46 | 9.18 | 8.80 | 3.15 | 1.28 | 4.78 | 6.70 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.44B | 1.47B | 1.57B | 1.63B | 1.68B | 1.70B | 1.76B | 1.81B | 1.86B | 2.02B | 2.05B | - | 1.97B | 2.09B | 2.27B | 2.47B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 60.45M | 74.47M | 40.29M | 37.89M | 35.38M | 55.88M | 42.45M | 47.49M | 20.05M | 41.71M | 37.58M | 44.41M | 53.77M | - | 25.30M | 38.15M | 58.97M | 73.90M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 298.92M | 382.44M | 463.64M | 479.06M |
| Total Liabilities | - | - | 785.98M | 816.18M | 879.99M | 930.27M | 967.44M | 1.06B | 1.09B | 1.11B | 1.14B | 1.21B | 1.17B | - | 1.16B | 1.29B | 1.44B | 1.58B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 58.34M | 49.76M | 45.73M | 61.86M |
| Total Equity | 603.37M | 620.43M | 653.48M | 656.31M | 694.36M | 695.19M | 708.28M | 644.50M | 670.73M | 701.02M | 718.64M | 808.41M | 884.68M | - | 812.00M | 804.27M | 828.46M | 892.31M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.88M | 17.95M | 18.00M | 18.05M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 64.48M | 51.20M | 39.48M | 104.35M | - | - | 22.89M | 98.82M | 82.04M | 127.69M | 112.46M | 109.46M | 141.39M | 44.33M | 52.11M | 128.69M | 194.50M |
| Investing Cash Flow | 16.09M | -54.51M | -12.41M | -74.44M | - | - | 23.84M | -84.25M | -14.92M | -83.00M | -52.96M | -35.52M | -65.99M | -19.99M | 24.27M | -54.54M | -125.71M |
| Financing Cash Flow | -66.55M | -30.86M | -29.46M | -32.41M | - | - | -41.70M | -42.01M | -45.46M | -48.81M | -52.67M | -64.57M | -65.57M | -62.64M | -63.53M | -53.33M | -53.87M |
| Capital Expenditure | -335.00K | -2.39M | -4.38M | -4.21M | -4.92M | -1.76M | -4.04M | -4.91M | -5.96M | -11.18M | -9.59M | -9.95M | -8.22M | -2.09M | -1.78M | -4.37M | -2.51M |
| Free Cash Flow | 64.14M | 48.80M | 35.10M | 100.14M | - | - | 18.85M | 93.91M | 76.08M | 116.51M | 102.86M | 99.51M | 133.17M | 42.23M | 50.33M | 124.32M | 191.99M |
| Share Buybacks | 42.20M | 5.81M | 43.00K | 0 | 4.80M | 23.47M | - | - | - | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.7% | 2.7% | 8.1% | 10.2% |
| Net Margin % | 9.1% | 9.2% | 2.1% | 8.3% | 8.2% | 7.6% | -1.7% | 7.9% | 7.4% | 9.9% | 11.3% | 16.3% | 14.8% | 5.9% | 2.0% | 6.4% | 7.9% |
| ROE % | 8.7% | 8.6% | 2.1% | 8.4% | 8.8% | 8.4% | -2.1% | 9.6% | 8.9% | 11.6% | 12.3% | 15.6% | - | 5.7% | 2.3% | 8.5% | 11.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 15.59% | 2.29M | $237.27M |
| 2 | Srb Corp | 12.22% | 1.79M | $186.00M |
| 3 | Vanguard Portfolio Management LLC | 5.77% | 846.69K | $87.75M |
| 4 | State Street Corporation | 5.45% | 800.27K | $82.94M |
| 5 | Dimensional Fund Advisors LP | 4.98% | 731.18K | $75.78M |
| 6 | Vanguard Capital Management LLC | 4.47% | 655.64K | $67.95M |
| 7 | Geode Capital Management, LLC | 2.68% | 393.90K | $40.82M |
| 8 | Adage Capital Partners GP L.L.C. | 2.04% | 300.00K | $31.09M |
| 9 | JPMORGAN CHASE & CO | 2.04% | 299.77K | $31.07M |
| 10 | AQR Capital Management, LLC | 1.75% | 256.67K | $26.60M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SAFT
AM Best Comments on Credit Ratings of MAPFRE S.A.’s Rated Operating Subsidiaries Following Announced Acquisition of Safety Insurance Group, Inc.
AMSTERDAM, July 27, 2026--AM Best has commented that the Credit Ratings (ratings) of MAPFRE S.A.’s (MAPFRE) rated operating subsidiaries remain unchanged following the announcement that MAPFRE U.S.A. Corporation (MAPFRE USA) has entered a d…
AM Best Places Credit Ratings of Safety Insurance Group, Inc. and Its Key Subsidiaries Under Review With Developing Implications
OLDWICK, N.J., July 27, 2026--AM Best has placed under review with developing implications the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "a" (Excellent) of Safety Insurance Company…
47-year-old insurance stock shocks market with jaw-dropping move
Safety Insurance Group (SAFT) doesn't usually make headlines. The Boston-based auto and home insurer is mostly seen as a quiet dividend payer. However, that changed in one trading session. Shares rose about 41% on Friday, July 24, closing a…
AM Best Revises Outlooks to Negative for Safety Insurance Group, Inc. and Its Key Subsidiaries
OLDWICK, N.J., July 15, 2026--AM Best has revised the outlooks to negative from stable and affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings (Long-Term ICR) of "a" (Excellent) for Safety Insuran…
Why It Might Not Make Sense To Buy Safety Insurance Group, Inc. (NASDAQ:SAFT) For Its Upcoming Dividend
Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Safety...
Biggest Mover Friday: Safety Insurance Stock Soars 40% after $1.54B buyout deal
Safety Insurance surges on blockbuster $105-per-share cash buyout
SAFT — Frequently Asked Questions
What is the current share price of Safety Insurance Group, Inc. (SAFT)?
As of 2026-09-07 16:24 PDT, Safety Insurance Group, Inc. (SAFT) trades at $103.15 on NasdaqGS. Its 52-week range is $64.33 to $103.16.
What is the market capitalisation of SAFT?
Safety Insurance Group, Inc. (SAFT) has a market capitalisation of $1.51B on NasdaqGS.
What is the P/E ratio of SAFT?
SAFT trades at a trailing price-to-earnings (P/E) ratio of 22.18. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.78.
Does SAFT pay a dividend?
Safety Insurance Group, Inc. (SAFT) currently offers a dividend yield of 3.55%.
What is the return on equity (ROE) of SAFT?
SAFT has a return on equity (ROE) of 7.84%.
Is SAFT a good stock to buy?
This page provides a data-driven analysis of Safety Insurance Group, Inc. (SAFT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.