77.91 USD
-0.8 (-1.02%)
77.91 USD
0 (0%)
SAFT gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 148 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 decent growth rate and is not valued too expensively. Finally SAFT also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SAFT had positive earnings in the past year.
SAFT had a positive operating cash flow in the past year.
SAFT had positive earnings in each of the past 5 years.
In the past 5 years SAFT always reported a positive cash flow from operatings.
1.2 Ratios
SAFT has a better Return On Assets (3.55%) than 70.27% of its industry peers.
SAFT has a Return On Equity of 9.66%. This is comparable to the rest of the industry: SAFT outperforms 46.62% of its industry peers.
SAFT has a better Return On Invested Capital (3.28%) than 61.49% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SAFT is significantly below the industry average of 14.88%.
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 45.95% of its industry peers.
SAFT's Profit Margin has declined in the last couple of years.
The Operating Margin of SAFT (8.13%) is worse than 67.57% of its industry peers.
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
SAFT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SAFT has more shares outstanding
SAFT has less shares outstanding than it did 5 years ago.
SAFT has a better debt/assets ratio than last year.
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.
SAFT has a Altman-Z score of 1.67. This is amongst the best in the industry. SAFT outperforms 87.16% of its industry peers.
SAFT has a debt to FCF ratio of 0.18. This is a very positive value and a sign of high solvency as it would only need 0.18 years to pay back of all of its debts.
SAFT's Debt to FCF ratio of 0.18 is amongst the best of the industry. SAFT outperforms 92.57% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that SAFT is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.03, SAFT belongs to the top of the industry, outperforming 85.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 1.67 |
ROIC/WACC0.38
WACC8.59%
2.3 Liquidity
A Current Ratio of 3.49 indicates that SAFT has no problem at all paying its short term obligations.
SAFT has a better Current ratio (3.49) than 92.57% 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.
The Quick ratio of SAFT (3.49) is better than 92.57% 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.
Measured over the past years, SAFT shows a decrease in Earnings Per Share. The EPS has been decreasing by -2.69% on average per year.
The Revenue has grown by 14.34% in the past year. This is quite good.
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
The Earnings Per Share is expected to grow by 15.95% 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 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
A Price/Earnings ratio of 17.01 indicates a rather expensive valuation of SAFT.
Based on the Price/Earnings ratio, SAFT is valued a bit more expensive than the industry average as 61.49% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.51, SAFT is valued a bit cheaper.
The Price/Forward Earnings ratio is 10.91, which indicates a very decent valuation of SAFT.
SAFT's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, SAFT is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.01 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as SAFT.
SAFT's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SAFT is cheaper than 60.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.79 | ||
| EV/EBITDA | 10.61 |
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.
A more expensive valuation may be justified as SAFT's earnings are expected to grow with 15.95% in the coming years.
PEG (NY)0.51
PEG (5Y)N/A
EPS Next 2Y24.86%
EPS Next 3Y15.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.65%, SAFT is a good candidate for dividend investing.
SAFT's Dividend Yield is rather good when compared to the industry average which is at 2.42. SAFT pays more dividend than 82.43% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, SAFT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.65% |
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 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
61.76% of the earnings are spent on dividend by SAFT. 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%
77.91
-0.8 (-1.02%)
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 Change0.4%
Market Cap1.16B
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 | 4.65% |
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 | 17.01 | ||
| Fwd PE | 10.91 | ||
| P/S | 0.95 | ||
| P/FCF | 6.79 | ||
| P/OCF | 6.77 | ||
| P/B | 1.29 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 10.61 |
EPS(TTM)4.58
EY5.88%
EPS(NY)7.14
Fwd EY9.16%
FCF(TTM)11.47
FCFY14.72%
OCF(TTM)11.51
OCFY14.77%
SpS81.74
BVpS60.41
TBVpS58.79
PEG (NY)0.51
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 | 1.67 |
F-Score7
WACC8.59%
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 17.01 and the Price/Book (PB) ratio is 1.29.
How financially healthy is SAFETY INSURANCE GROUP INC?
The financial health rating of SAFETY INSURANCE GROUP INC (SAFT) is 8 / 10.