SAFT
Safety Insurance Group, Inc.
Price Chart
Latest Quote
$70.53
-0.26 (-0.37%)
Current Price
| Previous Close | $70.79 |
| Open | $71.44 |
| Day High | $71.44 |
| Day Low | $69.91 |
| Volume | 228,520 |
Stock Information
| Quarterly Dividend / Yield | $3.68 / 5.22% |
| Shares Outstanding | 14.68M |
| Quarterly Dividend Yield | 5.22% |
| Quarterly Dividend | $3.68 |
| Total Debt | $61.10M |
| Cash Equivalents | $54.83M |
| Revenue | $1.28B |
| Net Income | $63.59M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $1.04B |
| P/E Ratio | 16.67 |
| EPS (TTM) | $4.23 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.04B |
| Sales | $1.28B |
| Income | $63.59M |
| Book/sh | $58.28 |
| Cash/sh | $3.73 |
| Employees | 568 |
Financial Ratios
| Quick Ratio | 0.25 |
| Current Ratio | 0.37 |
| Debt/Eq | 7.14 |
Returns & Margins
| ROA | 2.19% |
| ROE | 7.39% |
| Gross Margin | 7.11% |
| Operating Margin | -5.48% |
| Profit Margin | 4.94% |
Ownership
| Insider Ownership | 2.12% |
| Institutional Ownership | 88.17% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.28 |
| PEG | 0.95 |
| P/S | 0.81 |
| P/B | 1.21 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $70.46 |
| SMA50 | $72.13 |
| SMA200 | $72.42 |
| RSI | 58.86 |
| ATR | 1.3957 |
| Shares Float | 14.35M |
| Short Float | 2.28% |
| Short Ratio | 2.36 |
| Volatility | 0.23 |
| Rel Volume | 2.04 |
Performance History
| Week | -1.86% |
| Month | -1.74% |
| Quarter | -1.29% |
| 6 Months | -8.16% |
| YTD | -4.47% |
| Year | -5.41% |
| 3 Years | +9.07% |
| 5 Years | +9.74% |
| 10 Years | +78.64% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $70.53 | 254,400 |
| 2026-06-17 | $70.79 | 198,500 |
| 2026-06-16 | $70.87 | 102,900 |
| 2026-06-15 | $71.46 | 119,800 |
| 2026-06-12 | $71.81 | 101,100 |
| 2026-06-11 | $71.87 | 110,500 |
| 2026-06-10 | $71.67 | 176,400 |
| 2026-06-09 | $70.59 | 202,100 |
| 2026-06-08 | $69.81 | 112,800 |
| 2026-06-05 | $70.27 | 165,600 |
| 2026-06-04 | $68.34 | 102,000 |
| 2026-06-03 | $68.20 | 109,300 |
| 2026-06-02 | $69.31 | 115,000 |
| 2026-06-01 | $69.19 | 148,400 |
| 2026-05-29 | $69.25 | 121,400 |
| 2026-05-28 | $69.55 | 69,800 |
| 2026-05-27 | $70.33 | 64,600 |
| 2026-05-26 | $71.32 | 73,300 |
| 2026-05-22 | $71.77 | 80,300 |
| 2026-05-21 | $72.27 | 71,400 |
| 2026-05-20 | $71.91 | 48,700 |
| 2026-05-19 | $71.78 | 54,400 |
About Safety Insurance Group, Inc.
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, and insure individual vehicles, as well as commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. Additionally, the company offers inland marine coverage for homeowners and business owner policies; and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.
đ° Latest News
Why It Might Not Make Sense To Buy Safety Insurance Group, Inc. (NASDAQ:SAFT) For Its Upcoming Dividend
Simply Wall St. âĸ 2026-05-28T10:39:33Z
US Market's Undiscovered Gems 3 Promising Small Caps
Simply Wall St. âĸ 2026-04-20T17:33:19Z
Positive Signs As Multiple Insiders Buy Safety Insurance Group Stock
Simply Wall St. âĸ 2026-04-18T13:54:55Z
Safety Insurance: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-02-25T22:29:18Z3 Undiscovered Gems In The US Market With Solid Potential
Simply Wall St. âĸ 2026-02-18T17:33:30Z
Safety Insurance Group (NASDAQ:SAFT) Ticks All The Boxes When It Comes To Earnings Growth
Simply Wall St. âĸ 2026-02-16T11:43:59Z
Undiscovered Gems in the US Market for January 2026
Simply Wall St. âĸ 2026-01-20T11:33:06Z
Does Safety Insurance Group, Inc.'s (NASDAQ:SAFT) Weak Fundamentals Mean That The Stock Could Move In The Opposite Direction?
Simply Wall St. âĸ 2026-01-06T10:45:11Z
3 Undiscovered Gems In The US Market To Enhance Your Portfolio
Simply Wall St. âĸ 2025-12-15T11:33:01Z
Safety Insurance Group, Inc. (SAFT): A Bull Case Theory
Insider Monkey âĸ 2025-12-05T21:24:53Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,254,073,000 | $1,109,737,000 | $925,946,000 | $785,061,000 |
| Operating Revenue | $1,254,073,000 | $1,109,737,000 | $925,946,000 | $785,061,000 |
| Expenses | ||||
| Interest Expense | $1,530,000 | $509,000 | $818,000 | $524,000 |
| Total Expenses | $1,127,390,000 | $1,019,871,000 | $901,526,000 | $725,480,000 |
| Net Non Operating Interest Income Expense | $-1,530,000 | $-509,000 | $-818,000 | $-524,000 |
| Interest Expense Non Operating | $1,530,000 | $509,000 | $818,000 | $524,000 |
| Other Operating Expenses | $6,743,000 | $7,674,000 | $7,366,000 | $316,000 |
| Loss Adjustment Expense | $797,182,000 | $716,637,000 | $642,302,000 | $491,979,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Net Interest Income | $-1,530,000 | $-509,000 | $-818,000 | $-524,000 |
| Interest Income | $88,304,000 | $78,217,000 | $73,520,000 | $62,154,000 |
| Normalized Income | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Net Income From Continuing And Discontinued Operation | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Net Income Common Stockholders | $98,798,000 | $70,416,000 | $18,790,000 | $46,356,000 |
| Net Income | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Net Income Including Noncontrolling Interests | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Net Income Continuous Operations | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Pretax Income | $126,683,000 | $89,866,000 | $24,420,000 | $59,581,000 |
| Per Share | ||||
| Diluted EPS | $6.70 | $4.78 | $1.28 | $3.15 |
| Basic EPS | $6.72 | $4.79 | $1.28 | $3.17 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $6,777,000 | $9,465,000 | $6,949,000 | $6,610,000 |
| EBIT | $128,213,000 | $90,375,000 | $25,238,000 | $60,105,000 |
| Diluted Average Shares | $14,745,125 | $14,717,118 | $14,710,131 | $14,710,611 |
| Basic Average Shares | $14,711,942 | $14,692,089 | $14,663,730 | $14,607,483 |
| Diluted NI Availto Com Stockholders | $98,798,000 | $70,416,000 | $18,790,000 | $46,356,000 |
| Otherunder Preferred Stock Dividend | $457,000 | $318,000 | $85,000 | $205,000 |
| Tax Provision | $27,428,000 | $19,132,000 | $5,545,000 | $13,020,000 |
| Net Policyholder Benefits And Claims | $797,182,000 | $716,637,000 | $642,302,000 | $491,979,000 |
| Policyholder Benefits Gross | $877,985,000 | $797,955,000 | $715,474,000 | $534,162,000 |
| Policyholder Benefits Ceded | $80,803,000 | $81,318,000 | $73,172,000 | $42,183,000 |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $868,435,000 | $803,641,000 | $779,623,000 | $787,050,000 |
| Total Assets | $2,471,108,000 | $2,270,090,000 | $2,094,004,000 | $1,972,569,000 |
| Goodwill And Other Intangible Assets | $23,876,000 | $24,823,000 | $24,644,000 | $24,949,000 |
| Other Intangible Assets | $6,783,000 | $7,730,000 | $7,551,000 | $7,856,000 |
| Prepaid Assets | $39,674,000 | $41,413,000 | $32,346,000 | $28,453,000 |
| Receivables | $483,330,000 | $464,211,000 | $383,186,000 | $299,801,000 |
| Other Receivables | $4,269,000 | $568,000 | $124,000 | $877,000 |
| Accounts Receivable | $479,061,000 | $463,643,000 | $382,439,000 | $298,924,000 |
| Cash Cash Equivalents And Short Term Investments | $773,926,000 | $1,194,167,000 | $1,090,297,000 | $1,075,455,000 |
| Cash And Cash Equivalents | $73,901,000 | $58,974,000 | $38,152,000 | $25,300,000 |
| Taxes Receivable | - | $0 | $623,000 | $0 |
| Debt | ||||
| Total Debt | $61,861,000 | $45,733,000 | $49,756,000 | $58,336,000 |
| Long Term Debt And Capital Lease Obligation | $11,861,000 | $15,733,000 | $19,756,000 | $23,336,000 |
| Current Debt And Capital Lease Obligation | $50,000,000 | $30,000,000 | $30,000,000 | $35,000,000 |
| Current Debt | $50,000,000 | $30,000,000 | $30,000,000 | $35,000,000 |
| Net Debt | - | - | - | $9,700,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,578,797,000 | $1,441,626,000 | $1,289,737,000 | $1,160,570,000 |
| Payables And Accrued Expenses | $100,394,000 | $104,308,000 | $82,039,000 | $88,407,000 |
| Payables | $100,394,000 | $104,308,000 | $82,039,000 | $88,407,000 |
| Other Payable | $846,000 | $6,949,000 | $1,863,000 | $1,359,000 |
| Total Tax Payable | $3,903,000 | $1,009,000 | $0 | $1,729,000 |
| Income Tax Payable | $3,903,000 | $1,009,000 | $0 | $1,729,000 |
| Accounts Payable | $95,645,000 | $96,350,000 | $80,176,000 | $85,319,000 |
| Non Current Deferred Liabilities | - | - | - | - |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $892,311,000 | $828,464,000 | $804,267,000 | $811,999,000 |
| Total Equity Gross Minority Interest | $892,311,000 | $828,464,000 | $804,267,000 | $811,999,000 |
| Stockholders Equity | $892,311,000 | $828,464,000 | $804,267,000 | $811,999,000 |
| Gains Losses Not Affecting Retained Earnings | $-17,133,000 | $-51,047,000 | $-53,191,000 | $-80,538,000 |
| Other Equity Adjustments | $-17,133,000 | $-51,047,000 | $-53,191,000 | $-80,538,000 |
| Retained Earnings | $844,063,000 | $798,760,000 | $781,192,000 | $815,309,000 |
| Long Term Equity Investment | - | - | $133,946,000 | $112,850,000 |
| Investments In Other Ventures Under Equity Method | - | - | $133,946,000 | $112,850,000 |
| Other | ||||
| Treasury Shares Number | $3,419,947 | $3,157,577 | $3,157,577 | $3,083,364 |
| Ordinary Shares Number | $14,631,684 | $14,838,007 | $14,791,907 | $14,795,731 |
| Share Issued | $18,051,631 | $17,995,584 | $17,949,484 | $17,879,095 |
| Tangible Book Value | $868,435,000 | $803,641,000 | $779,623,000 | $787,050,000 |
| Invested Capital | $942,311,000 | $858,464,000 | $834,267,000 | $846,999,000 |
| Capital Lease Obligations | $11,861,000 | $15,733,000 | $19,756,000 | $23,336,000 |
| Total Capitalization | $892,311,000 | $828,464,000 | $804,267,000 | $811,999,000 |
| Treasury Stock | $170,493,000 | $150,293,000 | $150,293,000 | $145,000,000 |
| Additional Paid In Capital | $235,693,000 | $230,864,000 | $226,380,000 | $222,049,000 |
| Capital Stock | $181,000 | $180,000 | $179,000 | $179,000 |
| Common Stock | $181,000 | $180,000 | $179,000 | $179,000 |
| Long Term Capital Lease Obligation | $11,861,000 | $15,733,000 | $19,756,000 | $23,336,000 |
| Line Of Credit | $50,000,000 | $30,000,000 | $30,000,000 | $35,000,000 |
| Investments And Advances | $1,540,698,000 | $1,360,355,000 | $1,325,414,000 | $1,323,958,000 |
| Goodwill | $17,093,000 | $17,093,000 | $17,093,000 | $17,093,000 |
| Net PPE | $18,942,000 | $20,273,000 | $31,476,000 | $41,464,000 |
| Other Short Term Investments | $700,025,000 | $1,135,193,000 | $1,052,145,000 | $1,050,155,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $191,990,000 | $124,322,000 | $50,331,000 | $42,234,000 |
| Operating Activities | ||||
| Operating Cash Flow | $194,498,000 | $128,688,000 | $52,114,000 | $44,326,000 |
| Cash Flow From Continuing Operating Activities | $194,498,000 | $128,688,000 | $52,114,000 | $44,326,000 |
| Operating Gains Losses | $-16,265,000 | $-15,308,000 | $-5,962,000 | $-17,578,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,508,000 | $-4,366,000 | $-1,783,000 | $-2,092,000 |
| Investing Cash Flow | $-125,706,000 | $-54,541,000 | $24,269,000 | $-19,988,000 |
| Cash Flow From Continuing Investing Activities | $-125,706,000 | $-54,541,000 | $24,269,000 | $-19,988,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-20,000,000 | $0 | $-5,240,000 | $-14,603,000 |
| Financing Cash Flow | $-53,865,000 | $-53,325,000 | $-63,531,000 | $-62,641,000 |
| Cash Flow From Continuing Financing Activities | $-53,865,000 | $-53,325,000 | $-63,531,000 | $-62,641,000 |
| Cash Dividends Paid | $-53,865,000 | $-53,325,000 | $-53,291,000 | $-53,038,000 |
| Common Stock Dividend Paid | $-53,865,000 | $-53,325,000 | $-53,291,000 | $-53,038,000 |
| Net Common Stock Issuance | $-20,000,000 | $0 | $-5,240,000 | $-14,603,000 |
| Other | ||||
| Repayment Of Debt | $-30,000,000 | $-15,000,000 | $-25,000,000 | $0 |
| Issuance Of Debt | $50,000,000 | $15,000,000 | $20,000,000 | $5,000,000 |
| Interest Paid Supplemental Data | $1,435,000 | $510,000 | $811,000 | $507,000 |
| Income Tax Paid Supplemental Data | $26,856,000 | $16,515,000 | $6,072,000 | $19,119,000 |
| End Cash Position | $73,901,000 | $58,974,000 | $38,152,000 | $25,300,000 |
| Beginning Cash Position | $58,974,000 | $38,152,000 | $25,300,000 | $63,603,000 |
| Changes In Cash | $14,927,000 | $20,822,000 | $12,852,000 | $-38,303,000 |
| Common Stock Payments | $-20,000,000 | $0 | $-5,240,000 | $-14,603,000 |
| Net Issuance Payments Of Debt | $20,000,000 | $0 | $-5,000,000 | $5,000,000 |
| Net Long Term Debt Issuance | $20,000,000 | - | $-5,000,000 | $5,000,000 |
| Long Term Debt Payments | $-30,000,000 | $-15,000,000 | $-25,000,000 | $0 |
| Long Term Debt Issuance | $50,000,000 | $15,000,000 | $20,000,000 | $5,000,000 |
| Net Investment Purchase And Sale | $-123,198,000 | $-48,110,000 | $28,164,000 | $-310,000 |
| Sale Of Investment | $544,201,000 | $308,631,000 | $189,753,000 | $287,178,000 |
| Purchase Of Investment | $-667,399,000 | $-356,741,000 | $-161,589,000 | $-287,488,000 |
| Net Business Purchase And Sale | $0 | $-2,065,000 | $-2,112,000 | $-17,586,000 |
| Purchase Of Business | $0 | $-2,065,000 | $-2,112,000 | $-17,586,000 |
| Net PPE Purchase And Sale | $-2,508,000 | $-4,366,000 | $-1,783,000 | $-2,092,000 |
| Purchase Of PPE | $-2,508,000 | $-4,366,000 | $-1,783,000 | $-2,092,000 |
| Change In Working Capital | $103,904,000 | $62,174,000 | $33,547,000 | $-34,941,000 |
| Change In Other Current Liabilities | $0 | $-25,711,000 | $-2,542,000 | $-3,011,000 |
| Change In Payables And Accrued Expense | $2,100,000 | $17,965,000 | $-7,249,000 | $-428,000 |
| Change In Payable | $2,100,000 | $17,965,000 | $-7,249,000 | $-428,000 |
| Change In Account Payable | $-794,000 | $16,333,000 | $-4,844,000 | $-428,000 |
| Change In Tax Payable | $2,894,000 | $1,632,000 | $-2,405,000 | - |
| Change In Income Tax Payable | $2,894,000 | $1,632,000 | $-2,405,000 | - |
| Change In Prepaid Assets | $1,739,000 | $-9,067,000 | $-3,893,000 | $-4,658,000 |
| Change In Receivables | $-15,418,000 | $-81,204,000 | $-83,515,000 | $-19,070,000 |
| Changes In Account Receivables | $-15,418,000 | $-81,204,000 | $-83,515,000 | $-19,070,000 |
| Other Non Cash Items | $-1,198,000 | $-9,000 | $530,000 | $-14,000 |
| Stock Based Compensation | $4,830,000 | $4,484,000 | $4,332,000 | $5,980,000 |
| Unrealized Gain Loss On Investment Securities | $697,000 | $-3,951,000 | $-7,502,000 | $44,386,000 |
| Amortization Of Securities | $-1,571,000 | $719,000 | $-310,000 | $1,693,000 |
| Deferred Tax | $-1,931,000 | $380,000 | $1,655,000 | $-8,371,000 |
| Deferred Income Tax | $-1,931,000 | $380,000 | $1,655,000 | $-8,371,000 |
| Depreciation And Amortization | $6,777,000 | $9,465,000 | $6,949,000 | $6,610,000 |
| Depreciation | $6,777,000 | $9,465,000 | $6,949,000 | $6,610,000 |
| Earnings Losses From Equity Investments | $500,000 | $-7,588,000 | $-4,635,000 | $-8,388,000 |
| Gain Loss On Investment Securities | $-16,765,000 | $-7,720,000 | $-1,327,000 | $-9,190,000 |
| Net Income From Continuing Operations | $99,255,000 | $70,734,000 | $18,875,000 | $46,561,000 |
| Change In Other Working Capital | - | $1,632,000 | $-2,405,000 | $3,237,000 |
Fetched: 2026-06-18