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Company Analysis

Safety Insurance Group, Inc. SAFT

A comprehensive view of key metrics, scores, and financial health for Safety Insurance Group, Inc.

Overview of Safety Insurance Group, Inc.

SAFT NMS
Financial Services Insurance - Property & Casualty Small Cap
Safety Insurance Group, Inc. (SAFT), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $73.24, about 14.0% overvalued vs fair value, -6.7% 1Y return, placing in the top 25% of its sector.
$73.24
1.62%
As of March 13, 2026
Previous close • Vol 90d: 20.5%
52-Week Range
Market Cap
$1.10B
Enterprise Value
$1.08B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.safetyinsurance.co...
HQ Boston, MA
Employees 551
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$35
$63
$118
Current: $73.24 -14% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$78.2M
6.4%%
Interest Expense
$509.0K
Net Interest Income
$-509.0K
37.8%%
Total Revenue
$1.1B
19.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$53.3M
75.7% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Safety Insurance Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
30
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
29
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 80% Coverage
Trade-Off Triangle Visualization A ternary plot showing SAFT's balance between Growth (41.9%), Profitability (19.7%), and Safety (38.5%). Growth 42% Safety 38% Profitability 20%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

52th percentile vs peers
52
Key Signals
Rev Growth YoY 19.9% 80p EPS Growth YoY 2.75 82p Revenue CAGR 3Y 8.7% 35p TSR -3.6% 14p EPS CAGR 3Y -18.1% 7p
Strengths
  • Rev Growth Yoy in top 20% of peers (19.9%, 80th percentile)
  • Eps Growth Yoy in top 20% of peers (2.75, 82th percentile)
  • Interest Coverage Ratio in top 20% of peers (177.55, 95th percentile)
Risks

No significant risks identified for this axis.

Profitability

24th percentile vs peers
24
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Safety Insurance Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$63.01
- - -
-14.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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