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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 $76.48, about 17.6% overvalued vs fair value, +0.9% 1Y return, placing in the top 25% of its sector.
$76.48
0.97%
As of April 28, 2026
Previous close • Vol 90d: 19.3%
52-Week Range
Market Cap
$1.12B
Enterprise Value
$1.11B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings May 6 Estimated

Fair Value Snapshot

Bear Base Bull
$35
$63
$118
Current: $76.48 -18% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.1B
19.8%%
Underwriting Result
$90.4M
258.1%%
Net Income
$70.7M
274.7%%
Capital Allocation
$-53.3M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Net Income Margin
6.4%
Fair

Net Income / Revenue — overall bottom-line profitability after investment income and taxes

Locked Metric
-
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$53.3M
75.4% 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 Insurance & Reinsurance

Competitive Advantage Assessment

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

Overall Moat Strength
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
31
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SAFT's balance between Growth (43.6%), Profitability (19.6%), and Safety (36.8%). Growth 44% Safety 37% Profitability 20%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

55th percentile vs peers
56
Key Signals
Rev Growth YoY 19.9% 80p EPS Growth YoY 2.75 82p Revenue CAGR 3Y 8.7% 37p Equity Growth YoY 3.0% 15p Asset Growth YoY 8.4% 57p
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)
  • Equity/Assets in top 20% of peers (36.5%, 80th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (3.0%)

Profitability

25th percentile vs peers
25
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
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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Bear
-
- - -
- upside
-
Base
$63.01
- - -
-17.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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