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SAFT

STRONG BUY

Safety Insurance Group, Inc. · Financial Services · United States · $1.5B · Avg Vol: $19M/d

84
StockRank
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Q
57
V
51
M
71
P/E (TTM)
17.5x
ROE
7.4%
D/E
0.1x
Dividend %
4.9%
Dir. Trades · 180d
None →
Subst. holders: −$4.3M
Buybacks · 180d
None →

COMPANY DESCRIPTION

Safety Insurance Group, Inc. provides personal and commercial property and casualty insurance products, primarily focused on Massachusetts. It benefits from a deep understanding of its local market, established agency relationships, and a focused geographic strategy, which enhances customer loyalty. The company is a regional insurer with a strong presence and brand recognition in its core operating state.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM
Revenue785.1M925.9M1.1B1.3B16.9%1.3B
EPS3.171.284.796.7228.5%4.21
Shares14.8M14.8M14.8M14.6M-1.1%14.7M
Debt58.3M49.8M45.7M61.9M2.0%61.1M
Equity812.0M804.3M828.5M892.3M3.2%—
Op CF44.3M52.1M128.7M194.5M63.7%174.3M
Inv CF-20.0M24.3M-54.5M-125.7M——
Fin CF-62.6M-63.5M-53.3M-53.9M——
Loading 1Y...
PRICE (1Y)+43.6%
70.5378.7086.8695.03103Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$103.20
RSI (14)
81.7
52W High
$103.42
From 52W High
1.0%

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
2.2%*57.7
ROE
7.4%37.3
GP/Assets
3.7%41.8
Op. Margin
-5.5%5.7
FCF/Assets
6.8%83.2
Piotroski
797.0
Int. Cover
50.0x90.2
D/E Ratio
0.07x75.6
Current Ratio
0.37x15.1
Value
51
P/E (TTM)
17.5x30.8
EV/EBITDA
12.3x33.2
P/FCF
9.0x73.7
P/B
1.3x44.3
P/S
0.8x90.5
Div Yield
4.9%61.8
Momentum
71
52W High %
100%95.8
RS 6M
31%95.2
SMA 50/200
1.00x33.6
EPS Rev 4W
0.0%69.8
EPS Rev 12W
0.0%55.6
EPS Improve
+48%71.1
Q Growth
—N/A

FUNDAMENTALS

Market Cap
$1.5B
P/E (Forward)
11.8x
Gross Margin
7.1%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SAFT are excluded.

TickerCompanyMkt CapStockRankSignal
SAFTSafety Insurance Group, Inc.(you)$1.5B84STRONG BUY
BOWBowhead Specialty Holdings Inc.$1.0B81STRONG BUY
UFCSUnited Fire Group, Inc.$1.3B93STRONG BUY
ASICAtegrity Specialty Insurance Company Holdings$1.1B77BUY
SKWDSkyward Specialty Insurance Group, Inc.$2.5B88STRONG BUY
HCIHCI Group, Inc.$2.3B94STRONG BUY
HRTGHeritage Insurance Holdings, Inc.$842M90STRONG BUY
HMNHorace Mann Educators Corporation$2.1B73BUY
UVEUniversal Insurance Holdings, Inc.$1.2B99STRONG BUY
STCStewart Information Services Corporation$2.1B69BUY

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Safety Insurance Group, Inc. (SAFT) — Stock Score Summary

Safety Insurance Group, Inc. (SAFT) has a MoatMap StockRank of 84/100 based on Quality (57/100), Value (51/100), and Momentum (71/100) factor scores. The current signal is STRONG BUY.

Safety Insurance Group, Inc. provides personal and commercial property and casualty insurance products, primarily focused on Massachusetts. It benefits from a deep understanding of its local market, established agency relationships, and a focused geographic strategy, which enhances customer loyalty. The company is a regional insurer with a strong presence and brand recognition in its core operating state.

Key Financial Metrics

Price$103.20
Market Cap$1.5B
P/E (TTM)17.54
P/E (Forward)11.82
Price/Book1.27
Return on Equity7.4%
Debt/Equity0.07x
Gross Margin7.1%
Operating Margin-5.5%
Revenue Growth4.4%
Dividend Yield4.9%
Free Cash Flow$168M

Safety Insurance Group, Inc. operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Safety Insurance Group, Inc.’s (SAFT) StockRank?
MoatMap’s StockRank for Safety Insurance Group, Inc. (SAFT) is 84/100, with a Strong Buy signal. It is a composite of Quality (57), Value (51), and Momentum (71) factor ranks across MoatMap’s 20,000+ stock universe.
Does Safety Insurance Group, Inc. have an economic moat?
Safety Insurance Group, Inc. (SAFT) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Safety Insurance Group, Inc. a buy, hold, or sell?
MoatMap’s current signal for Safety Insurance Group, Inc. (SAFT) is Strong Buy, based on a StockRank of 84/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Safety Insurance Group, Inc. in?
Safety Insurance Group, Inc. (SAFT) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).
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