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
12.05
$5.73
0.24
$3.62
5.33%
Price and volume
Market cap
$1B
Beta
0.24
52-week high
$86.99
52-week low
$68.49
Average daily volume
83K
Dividend rate
$3.62
Financial strength
Current ratio
0.39
Quick ratio
0.269
Long term debt to equity
4.759
Total debt to equity
4.999
Dividend payout ratio (TTM)
62.84%
Interest coverage (TTM)
137.12%
Profitability
EBITDA (TTM)
117.638
Gross margin (TTM)
9.75%
Net profit margin (TTM)
7.07%
Operating margin (TTM)
9.07%
Effective tax rate (TTM)
21.49%
Revenue per employee (TTM)
$2,180,000
Management effectiveness
Return on assets (TTM)
3.01%
Return on equity (TTM)
10.08%
Valuation
Price to earnings (TTM)
12.054
Price to revenue (TTM)
0.847
Price to book
1.18
Price to tangible book (TTM)
1.21
Price to free cash flow (TTM)
6.412
Free cash flow yield (TTM)
15.60%
Free cash flow per share (TTM)
10.775
Dividend yield (TTM)
5.24%
Forward dividend yield
5.33%
Growth
Revenue change (TTM)
16.96%
Earnings per share change (TTM)
65.99%
3-year revenue growth (CAGR)
13.58%
10-year revenue growth (CAGR)
4.26%
3-year earnings per share growth (CAGR)
4.99%
10-year earnings per share growth (CAGR)
23.18%
10-year dividend per share growth (CAGR)
2.55%
Bulls say / Bears say
Safety delivered double-digit premium growth in Q2 2025, with direct written premiums up 9.6% and net written premiums up 8.3% year-over-year, driven by rate increases and new business production (SEC EDGAR).
Underwriting profitability improved in Q2 2025 as the combined ratio fell to 98.1% from 99.9% in Q2 2024, excluding a one-time FAIR Plan benefit in the prior year (SEC EDGAR).
The board raised the Q3 2025 dividend to $0.92 per share, marking 23 consecutive years of dividend increases, while book value per share climbed to $58.63 as of June 30, 2025 (Investing.com).
Losses and loss adjustment expenses rose 12.4% to $194.2 million in Q2 2025, reflecting higher claim frequency and severity that may offset rate gains (SEC EDGAR).
Private passenger auto policy count growth was only 0.4% for the six months ended June 30, 2025, suggesting limited volume expansion in its core segment (SEC EDGAR).
Over 94% of direct written premiums are concentrated in Massachusetts, exposing the company to localized regulatory and weather-related risks (SEC EDGAR).
Data summarised monthly by Lightyear AI. Last updated on 4 Oct 2025.
SAFT Financial Performance
Revenues and expenses
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Capital at risk
Upcoming events
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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 October 14, 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 12.05 as of October 14, 2025.
Does Safety Insurance Group stock pay dividends?
Yes, the Safety Insurance Group (SAFT) stock pays dividends to shareholders. As of October 14, 2025, the dividend rate is $3.62 and the yield is 5.33%. Safety Insurance Group has a payout ratio of 62.84% on a trailing twelve-month basis.
When is the next Safety Insurance Group dividend payment date?
The next Safety Insurance Group (SAFT) dividend payment date is unconfirmed.
What is the beta indicator for Safety Insurance Group?
Safety Insurance Group (SAFT) has a beta rating of 0.24. 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.