Stock AnalizSafety Insurance Group Inc. SAFT
Property-Casualty Insurers · IPO 2002 · data as of November 13, 2026
Safety Insurance Group Inc. (SAFT) is a financial company listed in the US with a market value of about $1.5B. In the twelve months to September 30, 2026 it had revenue of $1.3B and net income of $70M, a net margin of 5.5%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is future growth (4/5); the weakest is value (2/5).
Key numbers: a P/E of 21.8, a price to free cash flow of 10.4, 5-year revenue growth of 8% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 41% below the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.3B | $1.1B | $931M | $798M | $885M | $846M | $878M | $836M | $839M | $820M |
| Net income | $70M | $99M | $71M | $19M | $47M | $131M | $138M | $100M | $83M | $62M | $65M |
| Free cash flow | $147M | $192M | $124M | $50M | $42M | $133M | $100M | $103M | $117M | $76M | $94M |
| EPS (diluted) | $4.79 | $6.70 | $4.78 | $1.28 | $3.15 | $8.80 | $9.18 | $6.46 | $5.43 | $4.10 | $4.27 |
| Net margin | 5.5% | 7.8% | 6.3% | 2.0% | 5.8% | 14.8% | 16.3% | 11.3% | 10.0% | 7.4% | 7.9% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Safety Insurance Group’s P/E ratio?
About 21.8, based on the last twelve months of diluted earnings per share.
Is Safety Insurance Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 41% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Safety Insurance Group pay a dividend?
Yes. The dividend yield is about 3.52%, and it has paid dividends for 10 years in our data.
Is Safety Insurance Group a good stock to buy?
We do not give buy or sell advice. Safety Insurance Group scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.