74.91 USD
-1.58 (-2.07%)
74.91 USD
0 (0%)
Overall SAFT gets a fundamental rating of 6 out of 10. We evaluated SAFT against 146 industry peers in the Insurance industry. SAFT is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. SAFT has a correct valuation and a medium growth rate. SAFT also has an excellent dividend rating.
1. Profitability
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.
- Each year in the past 5 years SAFT had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of SAFT (3.55%) is better than 69.86% of its industry peers.
- SAFT has a Return On Equity of 9.66%. This is comparable to the rest of the industry: SAFT outperforms 45.89% of its industry peers.
- SAFT has a better Return On Invested Capital (3.28%) than 62.33% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for SAFT is significantly below the industry average of 15.11%.
- 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
- Looking at the Profit Margin, with a value of 7.14%, SAFT is in line with its industry, outperforming 45.21% of the companies in the same industry.
- 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 67.12% 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
- Compared to 5 years ago, SAFT has less shares outstanding
- SAFT has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.66, we must say that SAFT is in the distress zone and has some risk of bankruptcy.
- With an excellent Altman-Z score value of 1.66, SAFT belongs to the best of the industry, outperforming 87.67% of the companies in the same industry.
- 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.
- SAFT's Debt to FCF ratio of 0.18 is amongst the best of the industry. SAFT outperforms 92.47% of its industry peers.
- A Debt/Equity ratio of 0.03 indicates that SAFT is not too dependend on debt financing.
- SAFT's Debt to Equity ratio of 0.03 is amongst the best of the industry. SAFT outperforms 84.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 1.66 |
ROIC/WACC0.38
WACC8.63%
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.
- The Current ratio of SAFT (3.49) is better than 92.47% of its industry peers.
- SAFT has a Quick Ratio of 3.49. This indicates that SAFT is financially healthy and has no problem in meeting its short term obligations.
- SAFT has a better Quick ratio (3.49) than 92.47% 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.
- The Earnings Per Share has been decreasing by -2.69% on average over the past years.
- SAFT shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.34%.
- SAFT shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.66% yearly.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 16.36, the valuation of SAFT can be described as correct.
- Based on the Price/Earnings ratio, SAFT is valued a bit more expensive than 62.33% of the companies in the same industry.
- SAFT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.30.
- Based on the Price/Forward Earnings ratio of 10.49, 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.
- The average S&P500 Price/Forward Earnings ratio is at 24.04. SAFT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.36 | ||
| Fwd PE | 10.49 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as SAFT.
- 60.96% of the companies in the same industry are more expensive than SAFT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.53 | ||
| EV/EBITDA | 10.19 |
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)0.49
PEG (5Y)N/A
EPS Next 2Y24.86%
EPS Next 3Y15.95%
5. Dividend
5.1 Amount
- SAFT has a Yearly Dividend Yield of 4.75%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.42, SAFT pays a better dividend. On top of this SAFT pays more dividend than 84.93% of the companies listed in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, SAFT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.75% |
5.2 History
- The dividend of SAFT has a limited annual growth rate of 0.95%.
- 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)0.95%
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%
74.91
-1.58 (-2.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-29 2025-10-29
Earnings (Next)02-23 2026-02-23/amc
Inst Owners84.15%
Inst Owner Change0.37%
Ins Owners2.02%
Ins Owner Change0.4%
Market Cap1.12B
Revenue(TTM)1.22B
Net Income(TTM)86.87M
Analysts43.33
Price TargetN/A
Short Float %0.77%
Short Ratio1.24
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.75% |
Yearly Dividend3.6
Dividend Growth(5Y)0.95%
DP61.76%
Div Incr Years0
Div Non Decr Years21
Ex-DateN/A
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 | 16.36 | ||
| Fwd PE | 10.49 | ||
| P/S | 0.92 | ||
| P/FCF | 6.53 | ||
| P/OCF | 6.51 | ||
| P/B | 1.24 | ||
| P/tB | 1.27 | ||
| EV/EBITDA | 10.19 |
EPS(TTM)4.58
EY6.11%
EPS(NY)7.14
Fwd EY9.53%
FCF(TTM)11.47
FCFY15.31%
OCF(TTM)11.51
OCFY15.36%
SpS81.74
BVpS60.41
TBVpS58.79
PEG (NY)0.49
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
WACC8.63%
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 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 16.36 and the Price/Book (PB) ratio is 1.24.
How financially healthy is SAFETY INSURANCE GROUP INC?
The financial health rating of SAFETY INSURANCE GROUP INC (SAFT) is 8 / 10.