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SAFETY INSURANCE GROUP INC SAFT

Nasdaq · stock · Fire, Marine & Casualty Insurance · website · IPO 2002-11-22 · LEI

SAFETY INSURANCE GROUP INC statistics & valuation

Market cap$1.1B
P / E11.1×
P / S0.9×
P / B1.2×
P / FCF5.8×
Dividend yield4.88%
Net margin7.9%
Return on equity11.1%
FCF margin15.2%
Net cash$23.9M
Enterprise value USD$1.1B
Graham number -7.7%$95.51

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($95.51); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
7.90% 7.40% 9.90% 11.30% 16.30% 14.80% 5.80% 2.00% 6.30% 7.90% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
9.60% 8.90% 11.60% 12.30% 15.60% 14.10% 5.70% 2.30% 8.50% 11.10% 2016201720182019202020212022202320242025
Shares outstanding
15.0M 15.1M 15.2M 15.3M 15.1M 14.9M 14.7M 14.7M 14.7M 14.7M 2016201720182019202020212022202320242025
Net debt ($)
-$8.2M -$23.9M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
3.70% 3.50% 4.50% 4.90% 6.70% 6.20% 2.40% 0.90% 3.10% 4.00% 2016201720182019202020212022202320242025
Free cash flow margin (%)
11.50% 9.10% 13.90% 11.70% 11.80% 15.00% 5.30% 5.40% 11.10% 15.20% 2016201720182019202020212022202320242025
Debt / equity (×)
0.04× 0.06× 2016201720182019202020212022202320242025
EPS ($)
$4.27 $4.10 $5.43 $6.46 $9.18 $8.80 $3.15 $1.28 $4.78 $6.70 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

SAFETY INSURANCE GROUP INC trades at about 15.5× earnings — near its 10-year norm (10-year range 8×–65.1×, median 16.5×).

8× 65.1×

Shaded band = 10-year range (8×–65.1×); dot = today's 15.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin7.9%6.3%2.0%5.8%14.8%16.3%11.3%9.9%7.4%7.9%
FCF margin15.2%11.1%5.4%5.3%15.0%11.8%11.7%13.9%9.1%11.5%
Return on assets4.0%3.1%0.9%2.4%6.2%6.7%4.9%4.5%3.5%3.7%
Return on equity11.1%8.5%2.3%5.7%14.1%15.6%12.3%11.6%8.9%9.6%
Debt / equity0.06×—0.04×———————

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.