SAFETY INSURANCE GROUP INC (SAFT) Fundamental Analysis & Valuation

NASDAQ:SAFT • US78648T1007

Current stock price

71.46 USD
-0.94 (-1.3%)
At close:
71.46 USD
0 (0%)
After Hours:

This SAFT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. SAFT Profitability Analysis

1.1 Basic Checks

  • SAFT had positive earnings in the past year.
  • In the past year SAFT had a positive cash flow from operations.
  • Each year in the past 5 years SAFT has been profitable.
  • SAFT had a positive operating cash flow in each of the past 5 years.
SAFT Yearly Net Income VS EBIT VS OCF VS FCFSAFT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

1.2 Ratios

  • With a decent Return On Assets value of 4.00%, SAFT is doing good in the industry, outperforming 72.30% of the companies in the same industry.
  • SAFT has a Return On Equity (11.07%) which is in line with its industry peers.
  • SAFT has a better Return On Invested Capital (3.85%) than 62.16% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for SAFT is significantly below the industry average of 15.41%.
  • The 3 year average ROIC (2.31%) for SAFT is below the current ROIC(3.85%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4%
ROE 11.07%
ROIC 3.85%
ROA(3y)2.67%
ROA(5y)3.31%
ROE(3y)7.3%
ROE(5y)8.36%
ROIC(3y)2.31%
ROIC(5y)2.92%
SAFT Yearly ROA, ROE, ROICSAFT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.90%, SAFT is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • SAFT's Profit Margin has declined in the last couple of years.
  • The Operating Margin of SAFT (9.32%) is worse than 60.14% of its industry peers.
  • In the last couple of years the Operating Margin of SAFT has declined.
Industry RankSector Rank
OM 9.32%
PM (TTM) 7.9%
GM N/A
OM growth 3Y15.39%
OM growth 5Y-14.19%
PM growth 3Y10.15%
PM growth 5Y-13.72%
GM growth 3YN/A
GM growth 5YN/A
SAFT Yearly Profit, Operating, Gross MarginsSAFT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. SAFT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SAFT is destroying value.
  • SAFT has less shares outstanding than it did 1 year ago.
  • SAFT has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, SAFT has a worse debt to assets ratio.
SAFT Yearly Shares OutstandingSAFT Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
SAFT Yearly Total Debt VS Total AssetsSAFT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • SAFT has an Altman-Z score of 1.65. This is a bad value and indicates that SAFT is not financially healthy and even has some risk of bankruptcy.
  • SAFT's Altman-Z score of 1.65 is amongst the best of the industry. SAFT outperforms 87.84% of its industry peers.
  • SAFT has a debt to FCF ratio of 0.26. This is a very positive value and a sign of high solvency as it would only need 0.26 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.26, SAFT belongs to the best of the industry, outperforming 88.51% of the companies in the same industry.
  • A Debt/Equity ratio of 0.06 indicates that SAFT is not too dependend on debt financing.
  • The Debt to Equity ratio of SAFT (0.06) is better than 79.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.26
Altman-Z 1.65
ROIC/WACC0.44
WACC8.82%
SAFT Yearly LT Debt VS Equity VS FCFSAFT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 3.30 indicates that SAFT has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 3.30, SAFT belongs to the best of the industry, outperforming 91.89% of the companies in the same industry.
  • A Quick Ratio of 3.30 indicates that SAFT has no problem at all paying its short term obligations.
  • SAFT has a Quick ratio of 3.30. This is amongst the best in the industry. SAFT outperforms 91.89% of its industry peers.
Industry RankSector Rank
Current Ratio 3.3
Quick Ratio 3.3
SAFT Yearly Current Assets VS Current LiabilitesSAFT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SAFT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 40.52% over the past year.
  • SAFT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.06% yearly.
  • Looking at the last year, SAFT shows a quite strong growth in Revenue. The Revenue has grown by 13.60% in the last year.
  • The Revenue has been growing by 8.28% on average over the past years. This is quite good.
EPS 1Y (TTM)40.52%
EPS 3Y28.7%
EPS 5Y-6.06%
EPS Q2Q%148.91%
Revenue 1Y (TTM)13.6%
Revenue growth 3Y16.8%
Revenue growth 5Y8.28%
Sales Q2Q%14.57%

3.2 Future

  • The Earnings Per Share is expected to grow by 8.01% on average over the next years. This is quite good.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y16.67%
EPS Next 2Y8.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SAFT Yearly Revenue VS EstimatesSAFT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
SAFT Yearly EPS VS EstimatesSAFT Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 4 6 8

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Find the best growth stocksShow best growing peers

6

4. SAFT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.67, which indicates a very decent valuation of SAFT.
  • SAFT's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 25.23, SAFT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.01 indicates a reasonable valuation of SAFT.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SAFT is on the same level as its industry peers.
  • SAFT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 10.67
Fwd PE 10.01
SAFT Price Earnings VS Forward Price EarningsSAFT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as SAFT.
  • 62.84% of the companies in the same industry are more expensive than SAFT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 5.45
EV/EBITDA 8.28
SAFT Per share dataSAFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • SAFT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.64
PEG (5Y)N/A
EPS Next 2Y8.01%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SAFT Dividend Analysis

5.1 Amount

  • SAFT has a Yearly Dividend Yield of 5.08%, which is a nice return.
  • SAFT's Dividend Yield is a higher than the industry average which is at 2.83.
  • Compared to an average S&P500 Dividend Yield of 1.89, SAFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 5.08%

5.2 History

  • The dividend of SAFT has a limited annual growth rate of 0.28%.
  • SAFT has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SAFT has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.28%
Div Incr Years0
Div Non Decr Years21
SAFT Yearly Dividends per shareSAFT Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

5.3 Sustainability

  • 54.52% of the earnings are spent on dividend by SAFT. This is a bit on the high side, but may be sustainable.
  • SAFT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.52%
EPS Next 2Y8.01%
EPS Next 3YN/A
SAFT Yearly Income VS Free CF VS DividendSAFT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
SAFT Dividend Payout.SAFT Dividend Payout, showing the Payout Ratio.SAFT Dividend Payout.PayoutRetained Earnings

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SAFT Fundamentals: All Metrics, Ratios and Statistics

SAFETY INSURANCE GROUP INC

NASDAQ:SAFT (3/20/2026, 8:21:52 PM)

After market: 71.46 0 (0%)

71.46

-0.94 (-1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners84.93%
Inst Owner Change-2.16%
Ins Owners2.05%
Ins Owner Change5.43%
Market Cap1.05B
Revenue(TTM)1.25B
Net Income(TTM)98.80M
Analysts43.33
Price TargetN/A
Short Float %1.04%
Short Ratio2.01
Dividend
Industry RankSector Rank
Dividend Yield 5.08%
Yearly Dividend3.66
Dividend Growth(5Y)0.28%
DP54.52%
Div Incr Years0
Div Non Decr Years21
Ex-Date03-02
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 10.67
Fwd PE 10.01
P/S 0.84
P/FCF 5.45
P/OCF 5.38
P/B 1.17
P/tB 1.2
EV/EBITDA 8.28
EPS(TTM)6.7
EY9.38%
EPS(NY)7.14
Fwd EY9.99%
FCF(TTM)13.12
FCFY18.36%
OCF(TTM)13.29
OCFY18.6%
SpS85.5
BVpS60.99
TBVpS59.36
PEG (NY)0.64
PEG (5Y)N/A
Graham Number95.89
Profitability
Industry RankSector Rank
ROA 4%
ROE 11.07%
ROCE 4.91%
ROIC 3.85%
ROICexc 3.98%
ROICexgc 4.48%
OM 9.32%
PM (TTM) 7.9%
GM N/A
FCFM 15.35%
ROA(3y)2.67%
ROA(5y)3.31%
ROE(3y)7.3%
ROE(5y)8.36%
ROIC(3y)2.31%
ROIC(5y)2.92%
ROICexc(3y)2.38%
ROICexc(5y)3.01%
ROICexgc(3y)2.68%
ROICexgc(5y)3.33%
ROCE(3y)2.95%
ROCE(5y)3.73%
ROICexgc growth 3Y25.81%
ROICexgc growth 5Y-10.21%
ROICexc growth 3Y25.27%
ROICexc growth 5Y-10.73%
OM growth 3Y15.39%
OM growth 5Y-14.19%
PM growth 3Y10.15%
PM growth 5Y-13.72%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.51
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.26
Debt/EBITDA 0.41
Cap/Depr 37.01%
Cap/Sales 0.2%
Interest Coverage 81.2
Cash Conversion 157.74%
Profit Quality 194.33%
Current Ratio 3.3
Quick Ratio 3.3
Altman-Z 1.65
F-Score8
WACC8.82%
ROIC/WACC0.44
Cap/Depr(3y)36.26%
Cap/Depr(5y)51.89%
Cap/Sales(3y)0.26%
Cap/Sales(5y)0.4%
Profit Quality(3y)212.91%
Profit Quality(5y)166.23%
High Growth Momentum
Growth
EPS 1Y (TTM)40.52%
EPS 3Y28.7%
EPS 5Y-6.06%
EPS Q2Q%148.91%
EPS Next Y16.67%
EPS Next 2Y8.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.6%
Revenue growth 3Y16.8%
Revenue growth 5Y8.28%
Sales Q2Q%14.57%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y62.98%
EBIT growth 3Y34.77%
EBIT growth 5Y-7.09%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y54.43%
FCF growth 3Y65.7%
FCF growth 5Y14.03%
OCF growth 1Y51.14%
OCF growth 3Y63.75%
OCF growth 5Y12.18%

SAFETY INSURANCE GROUP INC / SAFT Fundamental Analysis FAQ

What is the fundamental rating for SAFT stock?

ChartMill assigns a fundamental rating of 6 / 10 to SAFT.


What is the valuation status for SAFT stock?

ChartMill assigns a valuation rating of 5 / 10 to SAFETY INSURANCE GROUP INC (SAFT). This can be considered as Fairly Valued.


Can you provide the profitability details for SAFETY INSURANCE GROUP INC?

SAFETY INSURANCE GROUP INC (SAFT) has a profitability rating of 4 / 10.


What are the PE and PB ratios of SAFETY INSURANCE GROUP INC (SAFT) stock?

The Price/Earnings (PE) ratio for SAFETY INSURANCE GROUP INC (SAFT) is 10.67 and the Price/Book (PB) ratio is 1.17.


How financially healthy is SAFETY INSURANCE GROUP INC?

The financial health rating of SAFETY INSURANCE GROUP INC (SAFT) is 8 / 10.