SAFETY INSURANCE GROUP INC (SAFT) Fundamental Analysis & Valuation

NASDAQ:SAFT • US78648T1007

Current stock price

75.62 USD
+0.46 (+0.61%)
At close:
75.62 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

  • In the past year SAFT was profitable.
  • SAFT had a positive operating cash flow in the past year.
  • SAFT had positive earnings in each of the past 5 years.
  • 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

  • SAFT has a Return On Assets of 4.00%. This is in the better half of the industry: SAFT outperforms 70.75% of its industry peers.
  • SAFT has a Return On Equity of 11.07%. This is comparable to the rest of the industry: SAFT outperforms 53.06% of its industry peers.
  • With a decent Return On Invested Capital value of 3.85%, SAFT is doing good in the industry, outperforming 63.95% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for SAFT is significantly below the industry average of 9.60%.
  • The last Return On Invested Capital (3.85%) for SAFT is above the 3 year average (2.31%), which is a sign of increasing profitability.
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

  • The Profit Margin of SAFT (7.90%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of SAFT has declined.
  • SAFT has a Operating Margin of 9.32%. This is comparable to the rest of the industry: SAFT outperforms 41.50% 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. SAFT Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), SAFT is destroying value.
  • Compared to 1 year ago, SAFT has less shares outstanding
  • SAFT has less shares outstanding than it did 5 years ago.
  • SAFT has a worse debt/assets ratio than last year.
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 1.67. This is a bad value and indicates that SAFT is not financially healthy and even has some risk of bankruptcy.
  • With an excellent Altman-Z score value of 1.67, SAFT belongs to the best of the industry, outperforming 87.76% of the companies in the same industry.
  • The Debt to FCF ratio of SAFT is 0.26, which is an excellent value as it means it would take SAFT, only 0.26 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.26, SAFT belongs to the best of the industry, outperforming 89.12% of the companies in the same industry.
  • SAFT has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.06, SAFT is doing good in the industry, outperforming 79.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.26
Altman-Z 1.67
ROIC/WACC0.44
WACC8.81%
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

  • SAFT has a Current Ratio of 3.30. This indicates that SAFT is financially healthy and has no problem in meeting its short term obligations.
  • SAFT's Current ratio of 3.30 is amongst the best of the industry. SAFT outperforms 91.84% of its industry peers.
  • SAFT has a Quick Ratio of 3.30. This indicates that SAFT is financially healthy and has no problem in meeting its short term obligations.
  • SAFT has a Quick ratio of 3.30. This is amongst the best in the industry. SAFT outperforms 91.84% 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

More info and screens

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

5

3. SAFT Growth Analysis

3.1 Past

  • SAFT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 40.52%, which is quite impressive.
  • Measured over the past years, SAFT shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.06% on average per year.
  • The Revenue has grown by 13.60% in the past year. This is quite good.
  • 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

  • Based on estimates for the next years, SAFT will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.01% on average per year.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. SAFT Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.29 indicates a reasonable valuation of SAFT.
  • Compared to the rest of the industry, the Price/Earnings ratio of SAFT is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Earnings ratio of 26.51, SAFT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.59, the valuation of SAFT can be described as reasonable.
  • 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 21.41.
Industry RankSector Rank
PE 11.29
Fwd PE 10.59
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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SAFT indicates a somewhat cheap valuation: SAFT is cheaper than 61.22% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.78
EV/EBITDA 8.81
SAFT Per share dataSAFT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.68
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 4.90%, which is a nice return.
  • SAFT's Dividend Yield is rather good when compared to the industry average which is at 2.43. SAFT pays more dividend than 85.03% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.80, SAFT pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.9%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.28%
Div Incr Years1
Div Non Decr Years22
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

  • SAFT pays out 54.52% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of SAFT is growing, but earnings are growing more, so the dividend growth is 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

More info and screens

Find the best dividend stocksShow peers with best dividend

SAFT Fundamentals: All Metrics, Ratios and Statistics

SAFETY INSURANCE GROUP INC

NASDAQ:SAFT (5/1/2026, 8:00:02 PM)

After market: 75.62 0 (0%)

75.62

+0.46 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength36.65
Industry Growth89.44
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners85.74%
Inst Owner Change-0.39%
Ins Owners2.22%
Ins Owner Change5.43%
Market Cap1.11B
Revenue(TTM)1.25B
Net Income(TTM)98.80M
Analysts43.33
Price TargetN/A
Short Float %1.12%
Short Ratio1.89
Dividend
Industry RankSector Rank
Dividend Yield 4.9%
Yearly Dividend3.66
Dividend Growth(5Y)0.28%
DP54.52%
Div Incr Years1
Div Non Decr Years22
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 11.29
Fwd PE 10.59
P/S 0.89
P/FCF 5.78
P/OCF 5.71
P/B 1.24
P/tB 1.28
EV/EBITDA 8.81
EPS(TTM)6.7
EY8.86%
EPS(NY)7.14
Fwd EY9.44%
FCF(TTM)13.08
FCFY17.29%
OCF(TTM)13.25
OCFY17.52%
SpS85.21
BVpS60.78
TBVpS59.16
PEG (NY)0.68
PEG (5Y)N/A
Graham Number95.7246 (26.59%)
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 1.67
F-Score8
WACC8.81%
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 6 / 10 to SAFETY INSURANCE GROUP INC (SAFT). This can be considered as Fairly Valued.


What is the profitability of SAFT stock?

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


Can you provide the expected EPS growth for SAFT stock?

The Earnings per Share (EPS) of SAFETY INSURANCE GROUP INC (SAFT) is expected to grow by 16.67% in the next year.


Can you provide the dividend sustainability for SAFT stock?

The dividend rating of SAFETY INSURANCE GROUP INC (SAFT) is 8 / 10 and the dividend payout ratio is 54.52%.