Safety Insurance Group, Inc.
SAFT · Price history
Price at last available close
$104.05
+$0.42 (+0.41%) 1M
2026-10-29
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Company & revenue
About Safety Insurance Group, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Safety Insurance Group, Inc. (SAFT) is a U. S. -based insurance provider offering a diverse range of personal and commercial coverage.
How they make money
Safety Insurance Group, Inc. generates revenue primarily through the underwriting of property and casualty insurance policies. The company collects premiums from policyholders and invests these funds in a portfolio of fixed maturity securities to generate investment income, while managing operational costs through claims adjustment and administrative expenses.
Products & services
The company provides private passenger automobile, homeowners, commercial automobile, business owner, and personal and commercial umbrella insurance coverage.
Brands & revenue mix
Primary brand for private passenger automobile and standard rate insurance products.
Separate brand revenue is not available in this research.Source
Brand used for preferred rate insurance products.
Separate brand revenue is not available in this research.Source
Brand focused on high-value homeowners and competitive commercial automobile products.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not report significant customer concentration as its business is derived from a large number of individual policyholders.
Suppliers, materials & equipment
- RBS Citizens — Provides a revolving credit facility to the company.Source
Strengths
- Strong regional market presence in MassachusettsSource
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
62
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
70
Strong
Financial Strength
54
Business Quality / Moat
73
Management
87
Growth Quality
65
Risk / Durability
87
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
72
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
69/100
Building Historical Record
Model Score 69/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •M&A headline · Sep 3, 2026
- •M&A headline · Aug 29, 2026
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for SAFT
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can SAFT maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is SAFT's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does SAFT's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is SAFT's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
62
Opportunity Score
72
Market Cap
$1.53B
P/E Ratio
22.2
EPS
$4.68
52-Week High
$104.15
52-Week Low
$67.04
Beta
0.17
Intrinsic Value
$180.18
Shares Outstanding
14.7M
Total Revenue
$1.47B
Total Debt
$59.8M
Dividend Yield (TTM)
3.54%
Liquidation Value / Share
$59.45
Dividend / Share (TTM)
$3.68
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for SAFT
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
M&A headline · Sep 3, 2026
Canada Pension Plan Investment Board Acquires New Shares in Safety Insurance Group, Inc. $SAFT — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldM&A headline · Aug 29, 2026
BlackRock Inc. Acquires Shares of 2,289,410 Safety Insurance Group, Inc. $SAFT — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
Defense WorldCommunity Sentiment
0 active · 0 total callsNo personal call yet on SAFT.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong regional market presence in Massachusetts.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Insurance - Property & Casualty industry.
- −Exposure to catastrophic weather events and natural disasters.
- −Regulatory changes in insurance pricing and underwriting standards.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
3 historical score records availablePrevious Score
63
Oct 1, 2026
Change
-0.1
points
Current Score
62
Oct 19, 2026
Category Changes
SAFT decreased 0.1 points because some fundamentals weakened.
Projected Score
Projected Score
68
Projected Change
+5.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 5.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$104.03
Model Intrinsic Value
$180.18
Difference
−$76.15
-42.3% vs IV
Margin of Safety
42.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.47B | $1.25B | $1.11B | $925.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $855.3M | $797.2M | $716.6M | $642.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $619.0M | $456.9M | $393.1M | $283.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $531.5M | $330.2M | $303.2M | $259.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $100.1M | $135.0M | $99.8M | $32.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $87.5M | $126.7M | $89.9M | $24.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $2.4M | $1.5M | $509K | $818K | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $87.5M | $126.7M | $89.9M | $24.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $18.9M | $27.4M | $19.1M | $5.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $68.6M | $99.3M | $70.7M | $18.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $4.68 | $6.72 | $4.79 | $1.28 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 14.52M | 14.71M | 14.69M | 14.66M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 14.56M | 14.75M | 14.72M | 14.71M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$520.8M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$2.36
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+36.9%
Cash Change
+37.5%
Margin Change
-2.5 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels. Pressure indicators included debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 64.8%. EPS increased 21.0%. Cash increased 37.5%. Total debt increased 36.9%. Net income margin declined by 2.5 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
3 historical recordsHistorical Score Chart
3 of 3 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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News
Safety Insurance Group Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Safety Insurance Group Inc. - SAFT
Halper Sadeh LLC is Investigating Whether ACVA and SAFT are Obtaining Fair Deals for their Shareholders
SAFT Stock Alert: Halper Sadeh LLC is Investigating Whether Safety Insurance Group Inc. is Obtaining a Fair Price for its Shareholders
SAFT Stock Alert: Halper Sadeh LLC is Investigating Whether Safety Insurance Group Inc. is Obtaining a Fair Price for its Shareholders
Rumor Mill · SAFT
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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