# Safety Insurance Group Inc. (SAFT) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Insurance. Price $103.15, market value $1.5 billion.

## Valuation
- **P/E (trailing): 22.2×** (5-yr avg 22.2×, 3-yr avg 26.7×). Safety Insurance Group Inc. trades at 22.2× trailing earnings, close to its own five-year average of 22.2×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 16.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.41**. A PEG of 0.41 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.6%** (5-yr avg 10.0%). Free cash flow equals 11.6% of the market value, in line with its five-year average of 10.0%. Above 5% is generally attractive.
- **Earnings yield: 4.5%**. The inverse of the P/E: 4.5% of the price is earned each year.

## Profitability
- **Net margin: 7.9%**. 7.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.1%**. 11.1% on shareholders' equity is solid.
- **Return on assets: 2.8%**. Each dollar of assets produces 2.8% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 12.8%** (3-yr 16.6%/yr, 5-yr 8.4%/yr). Revenue grew 12.8% over the last year, against 8.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 40.2%** (3-yr 28.6%/yr, 5-yr -6.1%/yr). Earnings per share rose 40.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 65.7%/yr**. Free cash flow has compounded at 65.7% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $74 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.57%** ($3.68 per share, trailing). Safety Insurance Group Inc. yields 3.57%, an income-level yield.
- **Payout ratio: 54%** (31% of free cash flow). 54% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 23**. 23 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 0.2%/yr** (1-yr 1.1%). The dividend has grown 0.2% a year over five years.

## Price and momentum
- **Total return (1 yr): 46.5%** (YTD 35.8%, 3-mo 46.8%). The shares are up 46.5% over twelve months including dividends.
- **From 52-week high: -0.6%** (53.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 75**. An RSI of 75 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): -0.11** (volatility 45%). Beta of -0.11 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SAFT · Page: https://foliofundamentals.com/stocks/saft

Not investment advice.