What is Safety Insurance Group, Inc.'s (SAFT) StockRank?

MoatMap's StockRank for Safety Insurance Group, Inc. (SAFT) is 74/100, with a Buy signal. This is a composite score combining Quality (55), Value (41), and Momentum (74) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Safety Insurance Group, Inc. have an economic moat?

Safety Insurance Group, Inc. (SAFT) has a Quality factor score of 55/100. 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 financial 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 Buy, based on a StockRank of 74/100. 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).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

SAFT

BuyPremium Grower

Safety Insurance Group, Inc. · Financial Services · United States · $1.5B · Avg Vol: $18M/d

StockRank

Get insider-trade alerts

P/E (TTM)

22.2x

ROE

7.8%

D/E

0.1x

Dividend %

3.6%

Dir. Trades · 180d

None →

Subst. holders: −$136.1M

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)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	785.1M	925.9M	1.1B	1.3B	16.9%	1.3B
EPS	3.17	1.28	4.79	6.72	28.5%	4.65
Shares	14.8M	14.8M	14.8M	14.6M	-1.1%	14.7M
Debt	58.3M	49.8M	45.7M	61.9M	2.0%	59.8M
Equity	812.0M	804.3M	828.5M	892.3M	3.2%	—
Op CF	44.3M	52.1M	128.7M	194.5M	63.7%	180.3M
Inv CF	-20.0M	24.3M	-54.5M	-125.7M	—	—
Fin CF	-62.6M	-63.5M	-53.3M	-53.9M	—	—

Loading 1Y...

PRICE (1Y)+0.3%

SMA 50SMA 200

$103.37

RSI (14)

76.0

52W High

$103.41

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.3%*59.8

ROE

7.8%39.1

GP/Assets

4.0%43.6

Op. Margin

13.7%30.5

FCF/Assets

n/mN/A

Piotroski

797.1

Int. Cover

37.2x74.5

D/E Ratio

0.07x74.7

Current Ratio

0.39x15.8

Value

P/E (TTM)

22.2x20.9

EV/EBITDA

n/mN/A

P/FCF

n/mN/A

P/B

1.7x31.1

P/S

1.2x86.9

Div Yield

3.6%48.7

Momentum

52W High %

100%99.0

RS 6M

32%93.3

SMA 50/200

1.19x92.7

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.4

EPS Improve

+34%65.0

Q Growth

19%51.6

FUNDAMENTALS

Market Cap

$1.5B

P/E (Forward)

16.5x

Gross Margin

7.6%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
SAFT	Safety Insurance Group, Inc.(you)	$1.5B	74	Buy
HMN	Horace Mann Educators Corporation	$2.1B	71	Buy
BOW	Bowhead Specialty Holdings Inc.	$1.1B	70	Buy
HIPO	Hippo Holdings Inc.	$876M	74	Buy
SKWD	Skyward Specialty Insurance Group, Inc.	$2.4B	70	Buy
UFCS	United Fire Group, Inc.	$1.4B	89	Strong Buy
DGICB	Donegal Group Inc.	$860M	80	Strong Buy
STC	Stewart Information Services Corporation	$2.1B	63	Hold
ASIC	Ategrity Specialty Insurance Co	$1.3B	90	Strong Buy
HCI	HCI Group, Inc.	$2.3B	86	Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Safety Insurance Group, Inc. (SAFT) has a MoatMap StockRank of 74/100 based on Quality (55/100), Value (41/100), and Momentum (74/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$103.37
Market Cap	$1.5B
P/E (TTM)	22.18
P/E (Forward)	16.50
Price/Book	1.73
Return on Equity	7.8%
Debt/Equity	0.07x
Gross Margin	7.6%
Operating Margin	13.7%
Revenue Growth	3.0%
Dividend Yield	3.6%
Free Cash Flow	$192M

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 74/100, with a Buy signal. It is a composite of Quality (55), Value (41), and Momentum (74) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Safety Insurance Group, Inc. have an economic moat?: Safety Insurance Group, Inc. (SAFT) has a Quality factor score of 55/100. 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 Buy, based on a StockRank of 74/100. 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).