Safety Insurance Group/$SAFT
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About Safety Insurance Group
Safety Insurance Group Inc is a provider of private passenger automobile, commercial automobile, and homeowners insurance in Massachusetts. The company also offers property and casualty insurance products, including commercial automobiles, homeowners, dwelling fire, umbrella, and business owner policies. It operates in the business segment of Property and casualty insurance operations.
Ticker
$SAFT
Sector
Primary listing
Employees
551
Headquarters
Website
SAFT Metrics
BasicAdvanced
$1B
11.98
$5.87
0.26
$3.62
5.23%
Price and volume
Market cap
$1B
Beta
0.26
52-week high
$86.99
52-week low
$67.04
Average daily volume
69K
Dividend rate
$3.62
Financial strength
Current ratio
0.386
Quick ratio
0.265
Long term debt to equity
4.739
Total debt to equity
4.739
Interest coverage (TTM)
102.63%
Profitability
EBITDA (TTM)
120.858
Gross margin (TTM)
9.80%
Net profit margin (TTM)
7.09%
Operating margin (TTM)
9.14%
Effective tax rate (TTM)
21.65%
Revenue per employee (TTM)
$2,230,000
Management effectiveness
Return on assets (TTM)
2.98%
Return on equity (TTM)
9.97%
Valuation
Price to earnings (TTM)
11.982
Price to revenue (TTM)
0.842
Price to book
1.17
Price to tangible book (TTM)
1.2
Dividend yield (TTM)
5.14%
Forward dividend yield
5.23%
Growth
Revenue change (TTM)
12.77%
Earnings per share change (TTM)
15.78%
3-year revenue growth (CAGR)
15.58%
10-year revenue growth (CAGR)
4.46%
3-year earnings per share growth (CAGR)
16.45%
10-year earnings per share growth (CAGR)
20.18%
3-year dividend per share growth (CAGR)
0.18%
10-year dividend per share growth (CAGR)
2.60%
Bulls say / Bears say
Safety reported net income of $28.9 million in Q2 2025, up 74% year-over-year, and its combined ratio improved to 98.1%, marking its best underwriting performance in over a year.
In Q1 2025, Safety’s net income rose to $21.9 million from $20.1 million the prior year, with the combined ratio decreasing to 99.4% from 101.9%, showing successful rate increases and effective loss control.
In Q3 2025, Safety posted net income of $28.3 million versus $25.9 million in Q3 2024, achieved a combined ratio of 98.9%, and grew book value per share by 8.2% to $60.40, demonstrating continued capital growth.
Despite underwriting improvements, Safety’s combined ratio stayed high at 98.1% in Q2 and 98.9% in Q3 2025, indicating narrow underwriting margins compared to industry benchmarks of below 96%.
Safety’s forward price-to-earnings ratio is 40.32, which may mean the stock is expensive relative to its anticipated earnings growth.
SAFT shares are down around 11.9% year-to-date, highlighting investor worries about its limited presence in New England and the competitive landscape.
Data summarised monthly by Lightyear AI. Last updated on 4 Nov 2025.
SAFT Financial Performance
Revenues and expenses
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FAQs
What’s the current market cap for Safety Insurance Group stock?
Safety Insurance Group (SAFT) has a market cap of $1B as of November 06, 2025.
What is the P/E ratio for Safety Insurance Group stock?
The price to earnings (P/E) ratio for Safety Insurance Group (SAFT) stock is 11.98 as of November 06, 2025.
Does Safety Insurance Group stock pay dividends?
Yes, the Safety Insurance Group (SAFT) stock pays dividends to shareholders. As of November 06, 2025, the dividend rate is $3.62 and the yield is 5.23%. Safety Insurance Group has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Safety Insurance Group dividend payment date?
The next Safety Insurance Group (SAFT) dividend payment is scheduled for December 15, 2025.
What is the beta indicator for Safety Insurance Group?
Safety Insurance Group (SAFT) has a beta rating of 0.26. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.