Symbols / SAFT Stock $70.27 +2.82% Safety Insurance Group, Inc.

Financial Services • Insurance - Property & Casualty • United States • NMS
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Property & Casualty
CEO Mr. George Michael Murphy C.P.C.U.
Exch · Country NMS · United States
Market Cap 1.03B
Enterprise Value 1.04B
Income 63.59M
Sales 1.28B
FCF (ttm) 167.94M
Book/sh 58.28
Cash/sh 3.73
Employees 568
Insider 10d —
IPO Nov 22, 2002
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 86.52%
P/E 16.61
Forward P/E 11.24
PEG 0.95
P/S 0.81
P/B 1.21
P/C —
EV/EBITDA 11.68
EV/Sales 0.81
Quick Ratio 0.25
Current Ratio 0.37
Debt/Eq 7.14
LT Debt/Eq —
EPS (ttm) 4.23
EPS next Y 6.25
EPS Growth —
Revenue Growth 4.40%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-08-05
Earnings (prior) 2018-02-26
ROA 2.19%
ROE 7.39%
ROIC —
Gross Margin 7.11%
Oper. Margin -5.48%
Profit Margin 4.94%
Shs Outstand 14.68M
Shs Float 14.35M
Insider Own 2.12%
Instit Own 88.07%
Short Float 2.12%
Short Ratio 2.11
Short Interest 185.70K
52W High 81.49
vs 52W High -13.77%
52W Low 67.04
vs 52W Low 4.82%
Beta 0.23
Impl. Vol. 77.56%
Rel Volume 1.71
Avg Volume 90.66K
Volume 155.42K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $68.34
Price $70.27
Change 2.82%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$70.27
Latest analyst target
3. DCF / Fair value
$205.87
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$70.27
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2018-03-08 up Compass Point Sell → Neutral —
2017-10-16 down Compass Point Neutral → Sell —
2014-11-05 main Keefe, Bruyette & Woods — → Market Perform $65
2014-11-05 down Compass Point Buy → Neutral $63
2014-08-28 init Compass Point — → Buy $63
News
RSS: Latest SAFT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-20 SRB CORP Beneficial Owner of more than 10% of a Class of Security — 14,151 $71.12 $1,006,447
2026-03-17 SRB CORP Beneficial Owner of more than 10% of a Class of Security — 1,199 $73.06 $87,599
2026-03-02 SRB CORP Beneficial Owner of more than 10% of a Class of Security — 11,505 $76.49 $880,330
2026-02-26 SRB CORP Beneficial Owner of more than 10% of a Class of Security — 13,634 $77.89 $1,068,197
2026-02-25 HILTPOLD GLENN R. Officer — 4,011 $0.00 $0
2026-02-25 GRAY DEBORAH E. Director — 1,083 $0.00 $0
2026-02-25 FARINA JOHN DANIEL JR. Director — 1,083 $0.00 $0
2026-02-25 LANGWELL DENNIS J Director — 1,083 $0.00 $0
2026-02-25 BROPHY CHARLES JOSEPH III Director — 1,083 $0.00 $0
2026-02-25 LAM BRIAN SIU-GAE Officer — 3,703 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,254.07
+13.01%
1,109.74
+19.85%
925.95
+17.95%
785.06
Operating Revenue
1,254.07
+13.01%
1,109.74
+19.85%
925.95
+17.95%
785.06
Other Operating Expenses
6.74
-12.13%
7.67
+4.18%
7.37
+2231.01%
0.32
Total Expenses
1,127.39
+10.54%
1,019.87
+13.13%
901.53
+24.27%
725.48
Reconciled Depreciation
6.78
-28.40%
9.46
+36.21%
6.95
+5.13%
6.61
EBIT
128.21
+41.87%
90.38
+258.09%
25.24
-58.01%
60.10
Net Income
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Pretax Income
126.68
+40.97%
89.87
+268.00%
24.42
-59.01%
59.58
Net Non Operating Interest Income Expense
-1.53
-200.59%
-0.51
+37.78%
-0.82
-56.11%
-0.52
Interest Expense Non Operating
1.53
+200.59%
0.51
-37.78%
0.82
+56.11%
0.52
Net Interest Income
-1.53
-200.59%
-0.51
+37.78%
-0.82
-56.11%
-0.52
Interest Expense
1.53
+200.59%
0.51
-37.78%
0.82
+56.11%
0.52
Interest Income
88.30
+12.90%
78.22
+6.39%
73.52
+18.29%
62.15
Tax Provision
27.43
+43.36%
19.13
+245.03%
5.54
-57.41%
13.02
Tax Rate For Calcs
0.00
+1.88%
0.00
-6.20%
0.00
+3.91%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Net Income From Continuing Operation Net Minority Interest
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Net Income From Continuing And Discontinued Operation
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Net Income Continuous Operations
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Normalized Income
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Net Income Common Stockholders
98.80
+40.31%
70.42
+274.75%
18.79
-59.47%
46.36
Otherunder Preferred Stock Dividend
0.46
+43.71%
0.32
+274.12%
0.09
-58.54%
0.20
Diluted EPS
6.70
+40.17%
4.78
+273.44%
1.28
-59.37%
3.15
Basic EPS
6.72
+40.29%
4.79
+274.22%
1.28
-59.62%
3.17
Basic Average Shares
14.71
+0.14%
14.69
+0.19%
14.66
+0.39%
14.61
Diluted Average Shares
14.75
+0.19%
14.72
+0.05%
14.71
0.00%
14.71
Diluted NI Availto Com Stockholders
98.80
+40.31%
70.42
+274.75%
18.79
-59.47%
46.36
Loss Adjustment Expense
797.18
+11.24%
716.64
+11.57%
642.30
+30.55%
491.98
Net Policyholder Benefits And Claims
797.18
+11.24%
716.64
+11.57%
642.30
+30.55%
491.98
Policyholder Benefits Ceded
80.80
-0.63%
81.32
+11.13%
73.17
+73.46%
42.18
Policyholder Benefits Gross
877.99
+10.03%
797.96
+11.53%
715.47
+33.94%
534.16
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,471.11
+8.86%
2,270.09
+8.41%
2,094.00
+6.16%
1,972.57
Cash Cash Equivalents And Short Term Investments
773.93
-35.19%
1,194.17
+9.53%
1,090.30
+1.38%
1,075.45
Cash And Cash Equivalents
73.90
+25.31%
58.97
+54.58%
38.15
+50.80%
25.30
Other Short Term Investments
700.02
-38.33%
1,135.19
+7.89%
1,052.14
+0.19%
1,050.15
Receivables
483.33
+4.12%
464.21
+21.15%
383.19
+27.81%
299.80
Accounts Receivable
479.06
+3.33%
463.64
+21.23%
382.44
+27.94%
298.92
Other Receivables
4.27
+651.58%
0.57
+358.06%
0.12
-85.86%
0.88
Taxes Receivable
—
0.00
-100.00%
0.62
0.00
Prepaid Assets
39.67
-4.20%
41.41
+28.03%
32.35
+13.68%
28.45
Net PPE
18.94
-6.57%
20.27
-35.59%
31.48
-24.09%
41.46
Goodwill And Other Intangible Assets
23.88
-3.82%
24.82
+0.73%
24.64
-1.22%
24.95
Goodwill
17.09
+0.00%
17.09
+0.00%
17.09
+0.00%
17.09
Other Intangible Assets
6.78
-12.25%
7.73
+2.37%
7.55
-3.88%
7.86
Investments And Advances
1,540.70
+13.26%
1,360.36
+2.64%
1,325.41
+0.11%
1,323.96
Long Term Equity Investment
—
—
133.95
+18.69%
112.85
Total Liabilities Net Minority Interest
1,578.80
+9.52%
1,441.63
+11.78%
1,289.74
+11.13%
1,160.57
Payables And Accrued Expenses
100.39
-3.75%
104.31
+27.14%
82.04
-7.20%
88.41
Payables
100.39
-3.75%
104.31
+27.14%
82.04
-7.20%
88.41
Accounts Payable
95.64
-0.73%
96.35
+20.17%
80.18
-6.03%
85.32
Other Payable
0.85
-87.83%
6.95
+273.00%
1.86
+37.09%
1.36
Total Tax Payable
3.90
+286.82%
1.01
0.00
-100.00%
1.73
Income Tax Payable
3.90
+286.82%
1.01
0.00
-100.00%
1.73
Current Debt And Capital Lease Obligation
50.00
+66.67%
30.00
+0.00%
30.00
-14.29%
35.00
Current Debt
50.00
+66.67%
30.00
+0.00%
30.00
-14.29%
35.00
Long Term Debt And Capital Lease Obligation
11.86
-24.61%
15.73
-20.36%
19.76
-15.34%
23.34
Long Term Capital Lease Obligation
11.86
-24.61%
15.73
-20.36%
19.76
-15.34%
23.34
Non Current Deferred Liabilities
—
—
—
—
Non Current Deferred Taxes Liabilities
—
—
—
—
Stockholders Equity
892.31
+7.71%
828.46
+3.01%
804.27
-0.95%
812.00
Common Stock Equity
892.31
+7.71%
828.46
+3.01%
804.27
-0.95%
812.00
Capital Stock
0.18
+0.56%
0.18
+0.56%
0.18
+0.00%
0.18
Common Stock
0.18
+0.56%
0.18
+0.56%
0.18
+0.00%
0.18
Share Issued
18.05
+0.31%
18.00
+0.26%
17.95
+0.39%
17.88
Ordinary Shares Number
14.63
-1.39%
14.84
+0.31%
14.79
-0.03%
14.80
Treasury Shares Number
3.42
+8.31%
3.16
+0.00%
3.16
+2.41%
3.08
Additional Paid In Capital
235.69
+2.09%
230.86
+1.98%
226.38
+1.95%
222.05
Retained Earnings
844.06
+5.67%
798.76
+2.25%
781.19
-4.18%
815.31
Gains Losses Not Affecting Retained Earnings
-17.13
+66.44%
-51.05
+4.03%
-53.19
+33.96%
-80.54
Treasury Stock
170.49
+13.44%
150.29
+0.00%
150.29
+3.65%
145.00
Other Equity Adjustments
-17.13
+66.44%
-51.05
+4.03%
-53.19
+33.96%
-80.54
Total Equity Gross Minority Interest
892.31
+7.71%
828.46
+3.01%
804.27
-0.95%
812.00
Total Capitalization
892.31
+7.71%
828.46
+3.01%
804.27
-0.95%
812.00
Invested Capital
942.31
+9.77%
858.46
+2.90%
834.27
-1.50%
847.00
Total Debt
61.86
+35.27%
45.73
-8.09%
49.76
-14.71%
58.34
Net Debt
—
—
—
9.70
Capital Lease Obligations
11.86
-24.61%
15.73
-20.36%
19.76
-15.34%
23.34
Net Tangible Assets
868.43
+8.06%
803.64
+3.08%
779.62
-0.94%
787.05
Tangible Book Value
868.43
+8.06%
803.64
+3.08%
779.62
-0.94%
787.05
Investments In Other Ventures Under Equity Method
—
—
133.95
+18.69%
112.85
Line Of Credit
50.00
+66.67%
30.00
+0.00%
30.00
-14.29%
35.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
194.50
+51.14%
128.69
+146.94%
52.11
+17.57%
44.33
Cash Flow From Continuing Operating Activities
194.50
+51.14%
128.69
+146.94%
52.11
+17.57%
44.33
Net Income From Continuing Operations
99.25
+40.32%
70.73
+274.75%
18.88
-59.46%
46.56
Depreciation
6.78
-28.40%
9.46
+36.21%
6.95
+5.13%
6.61
Depreciation And Amortization
6.78
-28.40%
9.46
+36.21%
6.95
+5.13%
6.61
Other Non Cash Items
-1.20
-13211.11%
-0.01
-101.70%
0.53
+3885.71%
-0.01
Stock Based Compensation
4.83
+7.72%
4.48
+3.51%
4.33
-27.56%
5.98
Deferred Tax
-1.93
-608.16%
0.38
-77.04%
1.66
+119.77%
-8.37
Deferred Income Tax
-1.93
-608.16%
0.38
-77.04%
1.66
+119.77%
-8.37
Operating Gains Losses
-16.27
-6.25%
-15.31
-156.76%
-5.96
+66.08%
-17.58
Gain Loss On Investment Securities
-16.77
-117.16%
-7.72
-481.76%
-1.33
+85.56%
-9.19
Unrealized Gain Loss On Investment Securities
0.70
+117.64%
-3.95
+47.33%
-7.50
-116.90%
44.39
Change In Working Capital
103.90
+67.12%
62.17
+85.33%
33.55
+196.01%
-34.94
Change In Receivables
-15.42
+81.01%
-81.20
+2.77%
-83.52
-337.94%
-19.07
Changes In Account Receivables
-15.42
+81.01%
-81.20
+2.77%
-83.52
-337.94%
-19.07
Change In Prepaid Assets
1.74
+119.18%
-9.07
-132.91%
-3.89
+16.42%
-4.66
Change In Payables And Accrued Expense
2.10
-88.31%
17.96
+347.83%
-7.25
-1593.69%
-0.43
Change In Payable
2.10
-88.31%
17.96
+347.83%
-7.25
-1593.69%
-0.43
Change In Account Payable
-0.79
-104.86%
16.33
+437.18%
-4.84
-1031.78%
-0.43
Change In Other Working Capital
—
1.63
+167.86%
-2.40
-174.30%
3.24
Change In Other Current Liabilities
0.00
+100.00%
-25.71
-911.45%
-2.54
+15.58%
-3.01
Investing Cash Flow
-125.71
-130.48%
-54.54
-324.74%
24.27
+221.42%
-19.99
Cash Flow From Continuing Investing Activities
-125.71
-130.48%
-54.54
-324.74%
24.27
+221.42%
-19.99
Net PPE Purchase And Sale
-2.51
+42.56%
-4.37
-144.87%
-1.78
+14.77%
-2.09
Purchase Of PPE
-2.51
+42.56%
-4.37
-144.87%
-1.78
+14.77%
-2.09
Capital Expenditure
-2.51
+42.56%
-4.37
-144.87%
-1.78
+14.77%
-2.09
Net Investment Purchase And Sale
-123.20
-156.08%
-48.11
-270.82%
28.16
+9185.16%
-0.31
Purchase Of Investment
-667.40
-87.08%
-356.74
-120.77%
-161.59
+43.79%
-287.49
Sale Of Investment
544.20
+76.33%
308.63
+62.65%
189.75
-33.92%
287.18
Net Business Purchase And Sale
0.00
+100.00%
-2.06
+2.23%
-2.11
+87.99%
-17.59
Purchase Of Business
0.00
+100.00%
-2.06
+2.23%
-2.11
+87.99%
-17.59
Financing Cash Flow
-53.87
-1.01%
-53.33
+16.06%
-63.53
-1.42%
-62.64
Cash Flow From Continuing Financing Activities
-53.87
-1.01%
-53.33
+16.06%
-63.53
-1.42%
-62.64
Net Issuance Payments Of Debt
20.00
0.00
+100.00%
-5.00
-200.00%
5.00
Issuance Of Debt
50.00
+233.33%
15.00
-25.00%
20.00
+300.00%
5.00
Repayment Of Debt
-30.00
-100.00%
-15.00
+40.00%
-25.00
0.00
Long Term Debt Issuance
50.00
+233.33%
15.00
-25.00%
20.00
+300.00%
5.00
Long Term Debt Payments
-30.00
-100.00%
-15.00
+40.00%
-25.00
0.00
Net Long Term Debt Issuance
20.00
—
-5.00
-200.00%
5.00
Net Common Stock Issuance
-20.00
0.00
+100.00%
-5.24
+64.12%
-14.60
Common Stock Payments
-20.00
0.00
+100.00%
-5.24
+64.12%
-14.60
Common Stock Dividend Paid
-53.87
-1.01%
-53.33
-0.06%
-53.29
-0.48%
-53.04
Cash Dividends Paid
-53.87
-1.01%
-53.33
-0.06%
-53.29
-0.48%
-53.04
Repurchase Of Capital Stock
-20.00
0.00
+100.00%
-5.24
+64.12%
-14.60
Changes In Cash
14.93
-28.31%
20.82
+62.01%
12.85
+133.55%
-38.30
Beginning Cash Position
58.97
+54.58%
38.15
+50.80%
25.30
-60.22%
63.60
End Cash Position
73.90
+25.31%
58.97
+54.58%
38.15
+50.80%
25.30
Free Cash Flow
191.99
+54.43%
124.32
+147.01%
50.33
+19.17%
42.23
Interest Paid Supplemental Data
1.44
+181.37%
0.51
-37.11%
0.81
+59.96%
0.51
Income Tax Paid Supplemental Data
26.86
+62.62%
16.52
+171.99%
6.07
-68.24%
19.12
Amortization Of Securities
-1.57
-318.50%
0.72
+331.94%
-0.31
-118.31%
1.69
Change In Income Tax Payable
2.89
+77.33%
1.63
+167.86%
-2.40
—
Change In Tax Payable
2.89
+77.33%
1.63
+167.86%
-2.40
—
Earnings Losses From Equity Investments
0.50
+106.59%
-7.59
-63.71%
-4.63
+44.74%
-8.39
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Trades
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status
Posts
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