74.6 USD
-0.27 (-0.36%)
74.6 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to SAFT. SAFT was compared to 147 industry peers in the Insurance industry. SAFT has an excellent financial health rating, but there are some minor concerns on its profitability. SAFT has a correct valuation and a medium growth rate. Finally SAFT also has an excellent dividend rating.
1. Profitability
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.
1.2 Ratios
The Return On Assets of SAFT (3.55%) is better than 69.59% of its industry peers.
The Return On Equity of SAFT (9.66%) is comparable to the rest of the industry.
The Return On Invested Capital of SAFT (3.28%) is better than 60.81% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for SAFT is significantly below the industry average of 14.89%.
The last Return On Invested Capital (3.28%) for SAFT is above the 3 year average (1.68%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.55% | ||
| ROE | 9.66% | ||
| ROIC | 3.28% |
ROA(3y)2.12%
ROA(5y)3.86%
ROE(3y)5.52%
ROE(5y)9.28%
ROIC(3y)1.68%
ROIC(5y)3.49%
1.3 Margins
SAFT has a Profit Margin of 7.14%. This is comparable to the rest of the industry: SAFT outperforms 43.92% of its industry peers.
SAFT's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 8.13%, SAFT is doing worse than 68.24% of the companies in the same industry.
In the last couple of years the Operating Margin of SAFT has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 8.13% | ||
| PM (TTM) | 7.14% | ||
| GM | N/A |
OM growth 3Y-27.11%
OM growth 5Y-14.24%
PM growth 3Y-25.04%
PM growth 5Y-10.77%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so SAFT is destroying value.
Compared to 1 year ago, SAFT has more shares outstanding
The number of shares outstanding for SAFT has been reduced compared to 5 years ago.
SAFT has a better debt/assets ratio than last year.
2.2 Solvency
SAFT has an Altman-Z score of 1.66. This is a bad value and indicates that SAFT is not financially healthy and even has some risk of bankruptcy.
SAFT has a Altman-Z score of 1.66. This is amongst the best in the industry. SAFT outperforms 87.16% of its industry peers.
The Debt to FCF ratio of SAFT is 0.18, which is an excellent value as it means it would take SAFT, only 0.18 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.18, SAFT belongs to the top of the industry, outperforming 91.22% of the companies in the same industry.
SAFT has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
SAFT has a Debt to Equity ratio of 0.03. This is amongst the best in the industry. SAFT outperforms 85.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 1.66 |
ROIC/WACC0.38
WACC8.58%
2.3 Liquidity
SAFT has a Current Ratio of 3.49. This indicates that SAFT is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 3.49, SAFT belongs to the top of the industry, outperforming 93.24% of the companies in the same industry.
A Quick Ratio of 3.49 indicates that SAFT has no problem at all paying its short term obligations.
SAFT has a better Quick ratio (3.49) than 93.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.49 | ||
| Quick Ratio | 3.49 |
3. Growth
3.1 Past
SAFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 458.54%, which is quite impressive.
SAFT shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -2.69% yearly.
SAFT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.34%.
The Revenue has been growing slightly by 4.66% on average over the past years.
EPS 1Y (TTM)458.54%
EPS 3Y-13.31%
EPS 5Y-2.69%
EPS Q2Q%9.95%
Revenue 1Y (TTM)14.34%
Revenue growth 3Y8.39%
Revenue growth 5Y4.66%
Sales Q2Q%12.77%
3.2 Future
SAFT is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.95% yearly.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y33.62%
EPS Next 2Y24.86%
EPS Next 3Y15.95%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 16.29, the valuation of SAFT can be described as correct.
Based on the Price/Earnings ratio, SAFT is valued a bit more expensive than the industry average as 63.51% of the companies are valued more cheaply.
SAFT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.49.
With a Price/Forward Earnings ratio of 10.45, the valuation of SAFT can be described as very reasonable.
SAFT's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.69. SAFT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.29 | ||
| Fwd PE | 10.45 |
4.2 Price Multiples
SAFT's Enterprise Value to EBITDA ratio is in line with the industry average.
SAFT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SAFT is cheaper than 62.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.5 | ||
| EV/EBITDA | 10.15 |
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.
SAFT's earnings are expected to grow with 15.95% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)N/A
EPS Next 2Y24.86%
EPS Next 3Y15.95%
5. Dividend
5.1 Amount
SAFT has a Yearly Dividend Yield of 4.92%, which is a nice return.
SAFT's Dividend Yield is rather good when compared to the industry average which is at 3.48. SAFT pays more dividend than 86.49% of the companies in the same industry.
SAFT's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
5.2 History
The dividend of SAFT has a limited annual growth rate of 0.95%.
SAFT has paid a dividend for at least 10 years, which is 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)0.95%
Div Incr Years0
Div Non Decr Years21
5.3 Sustainability
SAFT pays out 61.76% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SAFT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP61.76%
EPS Next 2Y24.86%
EPS Next 3Y15.95%
74.6
-0.27 (-0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners83.86%
Inst Owner Change-1.07%
Ins Owners2.03%
Ins Owner Change0.53%
Market Cap1.11B
Revenue(TTM)1.22B
Net Income(TTM)86.87M
Analysts43.33
Price TargetN/A
Short Float %0.86%
Short Ratio1.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.92% |
Yearly Dividend3.6
Dividend Growth(5Y)0.95%
DP61.76%
Div Incr Years0
Div Non Decr Years21
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.29 | ||
| Fwd PE | 10.45 | ||
| P/S | 0.91 | ||
| P/FCF | 6.5 | ||
| P/OCF | 6.48 | ||
| P/B | 1.23 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 10.15 |
EPS(TTM)4.58
EY6.14%
EPS(NY)7.14
Fwd EY9.57%
FCF(TTM)11.47
FCFY15.38%
OCF(TTM)11.51
OCFY15.43%
SpS81.74
BVpS60.41
TBVpS58.79
PEG (NY)0.48
PEG (5Y)N/A
Graham Number78.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.55% | ||
| ROE | 9.66% | ||
| ROCE | 4.2% | ||
| ROIC | 3.28% | ||
| ROICexc | 3.36% | ||
| ROICexgc | 3.8% | ||
| OM | 8.13% | ||
| PM (TTM) | 7.14% | ||
| GM | N/A | ||
| FCFM | 14.04% |
ROA(3y)2.12%
ROA(5y)3.86%
ROE(3y)5.52%
ROE(5y)9.28%
ROIC(3y)1.68%
ROIC(5y)3.49%
ROICexc(3y)1.71%
ROICexc(5y)3.59%
ROICexgc(3y)1.92%
ROICexgc(5y)3.94%
ROCE(3y)2.16%
ROCE(5y)4.49%
ROICexgc growth 3Y-22.13%
ROICexgc growth 5Y-12.04%
ROICexc growth 3Y-23.26%
ROICexc growth 5Y-12.45%
OM growth 3Y-27.11%
OM growth 5Y-14.24%
PM growth 3Y-25.04%
PM growth 5Y-10.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.5
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Debt/EBITDA | 0.28 | ||
| Cap/Depr | 7.06% | ||
| Cap/Sales | 0.05% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 160.4% | ||
| Profit Quality | 196.64% | ||
| Current Ratio | 3.49 | ||
| Quick Ratio | 3.49 | ||
| Altman-Z | 1.66 |
F-Score7
WACC8.58%
ROIC/WACC0.38
Cap/Depr(3y)34.53%
Cap/Depr(5y)70.89%
Cap/Sales(3y)0.29%
Cap/Sales(5y)0.6%
Profit Quality(3y)178.45%
Profit Quality(5y)141.71%
High Growth Momentum
Growth
EPS 1Y (TTM)458.54%
EPS 3Y-13.31%
EPS 5Y-2.69%
EPS Q2Q%9.95%
EPS Next Y33.62%
EPS Next 2Y24.86%
EPS Next 3Y15.95%
EPS Next 5YN/A
Revenue 1Y (TTM)14.34%
Revenue growth 3Y8.39%
Revenue growth 5Y4.66%
Sales Q2Q%12.77%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.29%
EBIT growth 3Y-21%
EBIT growth 5Y-10.24%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y374.48%
FCF growth 3Y-2.27%
FCF growth 5Y3.85%
OCF growth 1Y350.97%
OCF growth 3Y-3.09%
OCF growth 5Y2.73%
SAFETY INSURANCE GROUP INC / SAFT FAQ
What is the fundamental rating for SAFT stock?
ChartMill assigns a fundamental rating of 6 / 10 to SAFT.
What is the valuation status of SAFETY INSURANCE GROUP INC (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.
Can you provide the PE and PB ratios for SAFT stock?
The Price/Earnings (PE) ratio for SAFETY INSURANCE GROUP INC (SAFT) is 16.29 and the Price/Book (PB) ratio is 1.23.
What is the financial health of SAFETY INSURANCE GROUP INC (SAFT) stock?
The financial health rating of SAFETY INSURANCE GROUP INC (SAFT) is 8 / 10.