Want to see SAFT full AI Analyst Report?
SAFT Stock Chart & Stats
$103.20
$0.19(0.18%)
At close: 4:00 PM EDT
$103.20
$0.19(0.18%)
Day’s Range― - ―
52-Week Range$67.04 - $103.63
Previous CloseN/A
Volume138.13K
Average Volume (3M)176.44K
Market Cap
$1.52B
Enterprise Value$1.11K
Total Cash (Recent Filing)$753.35M
Total Debt (Recent Filing)$61.10M
Price to Earnings (P/E)24.3
Beta0.32
Next Earnings
Nov 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.56%
Share Statistics
EPS (TTM)4.25
Shares Outstanding14,683,434
10 Day Avg. Volume261,706
30 Day Avg. Volume176,445
Financial Highlights & Ratios
PEG Ratio0.29
Price to Book (P/B)1.28
Price to Sales (P/S)0.91
P/FCF Ratio5.97
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)4.75
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetSafety’s very low debt-to-equity (~0.06–0.07) provides durable financial flexibility in the capital‑intensive P&C sector. That conservative capital structure supports claim-paying capacity, reduces refinancing risk, and enables strategic choices (reinsurance, capital return or M&A) through underwriting cycles.
Consistent Cash GenerationSustained positive operating and free cash flow, with FCF tracking net income near one‑for‑one, signals high earnings quality and internal funding capacity. This durable cash generation underpins dividend support, reserve funding and reinvestment without heavy reliance on external financing.
Strategic All‑Cash Acquisition (Mapfre)The agreed all‑cash acquisition by Mapfre represents a structural change that should increase scale, capital access and operational resources. Under Mapfre ownership Safety can leverage group technology, reinsurance purchasing power and broader product capabilities while retaining regional distribution strengths.
Bears Say
Margin Pressure / Profitability Step‑downTrailing‑twelve‑month margins have declined materially from 2025 highs, indicating renewed underwriting or expense pressure. Sustained margin erosion would impair underwriting profitability, reduce retained earnings growth and constrain the firm’s ability to build surplus during adverse loss periods.
Declining Trailing Free Cash FlowA year‑over‑year decline in TTM free cash flow weakens the company’s internal liquidity trajectory. Persisting FCF contraction limits flexibility for dividends, reserve strengthening, or opportunistic investments and increases dependence on external funding for capital needs or catastrophe events.
Geographic And Product ConcentrationHeavy concentration in Massachusetts and reliance on private passenger auto products expose Safety to state‑specific regulatory, economic and weather risks. Limited geographic and product diversification heightens sensitivity to local rate decisions, claim severity trends, and regional catastrophe losses.
Safety Insurance Group News
SAFT FAQ
What was Safety Insurance’s price range in the past 12 months?
Safety Insurance lowest stock price was $67.03 and its highest was $103.63 in the past 12 months.
What is Safety Insurance’s market cap?
Safety Insurance’s market cap is $1.52B.
When is Safety Insurance’s upcoming earnings report date?
Safety Insurance’s upcoming earnings report date is Nov 04, 2026 which is in 90 days.
How were Safety Insurance’s earnings last quarter?
Safety Insurance released its earnings results on Aug 05, 2026. The company reported $2.03 earnings per share for the quarter, beating the consensus estimate of $2 by $0.03.
Is Safety Insurance overvalued?
According to Wall Street analysts Safety Insurance’s price is currently Overvalued.
Does Safety Insurance pay dividends?
Safety Insurance pays a Quarterly dividend of $0.92 which represents an annual dividend yield of 3.56%. See more information on Safety Insurance dividends here
What is Safety Insurance’s EPS estimate?
Safety Insurance’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Safety Insurance have?
Safety Insurance has 14,683,434 shares outstanding.
What happened to Safety Insurance’s price movement after its last earnings report?
Safety Insurance reported an EPS of $2.03 in its last earnings report, beating expectations of $2. Following the earnings report the stock price went up 0.232%.
Which hedge fund is a major shareholder of Safety Insurance?
Currently, no hedge funds are holding shares in SAFT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Safety Insurance Group Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
SAFT Sentiment 60%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 4.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $132.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 6.7%
Last 30 Days ▼ 9.2%
Last 30 Days ▼ 9.2%
Technicals
SMA
Positive
20 days / 200 days
Momentum
52.97%
12-Months-Change
Fundamentals
Return on Equity
3.56%
Trailing 12-Months
Asset Growth
7.30%
Trailing 12-Months
Company Description
Safety Insurance
Safety Insurance Group, Inc. (SAFT) is a U.S.-based insurance provider offering a diverse range of personal and commercial coverage. The company's private passenger automobile policies furnish protection against third-party bodily injury and property damage liability, no-fault personal injury benefits for policyholders and their passengers, and physical damage insurance for the insured's own vehicle, covering impacts and other specific risks. Furthermore, it underwrites commercial automobile policies, designed for business-use vehicles ranging from passenger cars to trucks, tractors, and trailers, covering both individual units and entire fleets. For property owners, Safety Insurance offers homeowner policies that safeguard houses, condominiums, and apartments against damage to the structure and its contents from various perils, alongside liability coverage stemming from property ownership or occupation. The firm also extends its offerings to business owners policies, catering to diverse commercial operations such as apartment complexes, residential condominium associations, dining establishments, office condominiums, processing and service businesses, specialized trade contractors, and wholesalers. Beyond standard coverage, the company provides personal umbrella policies, which offer additional liability protection extending beyond the limits of individual automobile, watercraft, and homeowner insurance. It also underwrites commercial umbrella policies and dwelling fire insurance specifically for properties not occupied by their owners. Complementing these, Safety Insurance includes inland marine coverage as an option within its homeowner and business owner policies, and furnishes insurance for small to medium-sized recreational watercraft. The distribution of all its insurance products is managed through a network of independent agents. Established in 1979 and headquartered in Boston, Massachusetts, the company was formerly known as Safety Holdings Inc. before officially changing its name to Safety Insurance Group, Inc. in April 2002.
Technical Analysis
Donegal Group
―
―
United Fire Group
―
Universal Insurance Holdings
―
Heritage Insurance Holdings
―
Ownership Overview
5.45% Insiders
19.64% Mutual Funds
1.16% Other Institutional Investors
42.50% Public Companies and
Individual Investors