Safety Insurance Group, Inc. (SAFT)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 840 | 865 | 785 | 926 | 1,110 | 1,254 | 1,474 | 1,384 |
| Operating profit | $m | 127 | 88 | ||||||
| Net profit | $m | 138 | 131 | 47 | 19 | 71 | 99 | 69 | 70 |
| EPS reported | $ | 6.70 | 4.64 | ||||||
| Operating cashflow per share | $ | 13.22 | 12.42 | ||||||
| Capex per share | $ | 0.17 | 0.32 | ||||||
| FCF per share | $ | 13.05 | 12.10 | ||||||
| Free cash flow | $m | 192 | 176 | ||||||
| Net debt | $m | -724 | -1,548 | ||||||
| Book value equity | $m | 892 | 877 | ||||||
| Book value per share | $ | 60.52 | 60.22 | ||||||
| Number of shares | m | 14.75 | 14.56 | ||||||
| DPS (TTM paid) | $ | 3.64 | 3.68 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.63 | 22.32 | ||||||
| P/B LTM | x | 1.28 | 1.31 | ||||||
| P/S LTM | x | 0.91 | 0.78 | ||||||
| P/FCF LTM | x | 5.97 | 6.52 | ||||||
| EV/EBITDA LTM | x | 8.40 | 11.49 | ||||||
| EV/Sales LTM | x | 0.90 | 1.02 | ||||||
| Earnings Yield LTM | % | +8.60% | +4.48% | ||||||
| FCF Yield | % | +16.75% | +15.33% | ||||||
| Quality | |||||||||
| ROE | % | +11.12% | +7.79% | ||||||
| ROIC | % | +10.40% | +7.38% | ||||||
| Operating margin | % | +10.10% | +5.94% | ||||||
| Gross margin | % | +36.43% | +41.99% | ||||||
| FCF/Sales | % | +15.31% | +11.92% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +40.17% | -2.93% | ||||||
| Sales Growth YoY | % | +13.01% | +32.85% | ||||||
| Net Income Growth YoY | % | +40.32% | -2.99% | ||||||
| FCF Growth | % | +54.43% | +41.34% | ||||||
| Operating Profit Growth | % | +40.97% | -2.61% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.70% | +3.56% | ||||||
| Dividend Growth | % | +1.11% | +2.22% | ||||||
| Payout Ratio | % | +54.52% | +79.54% | ||||||
| FCF/Debt | x | 3.10 | 2.94 | ||||||
| Net Debt/EBITDA | x | -0.09 | -0.08 | ||||||
| EBIT/Net interest | x | 82.80 | 36.23 | ||||||
| Net debt/market cap | % | +4.36% | +3.29% | ||||||
| Net debt/Equity | x | -0.81 | -1.77 | ||||||
| Gross debt/equity | x | 0.07 | 0.07 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Safety Insurance Group, Inc. (SAFT) is a U.S.-based insurance provider offering a diverse range of personal and commercial coverage. The company's private passenger automobile policies furnish protection against third-party bodily injury and property damage liability, no-fault personal injury benefits for policyholders and their passengers, and physical damage insurance for the insured's own vehicle, covering impacts and other specific risks. Furthermore, it underwrites commercial automobile policies, designed for business-use vehicles ranging from passenger cars to trucks, tractors, and trailers, covering both individual units and entire fleets. For property owners, Safety Insurance offers homeowner policies that safeguard houses, condominiums, and apartments against damage to the structure and its contents from various perils, alongside liability coverage stemming from property ownership or occupation. The firm also extends its offerings to business owners policies, catering to diverse commercial operations such as apartment complexes, residential condominium associations, dining establishments, office condominiums, processing and service businesses, specialized trade contractors, and wholesalers. Beyond standard coverage, the company provides personal umbrella policies, which offer additional liability protection extending beyond the limits of individual automobile, watercraft, and homeowner insurance. It also underwrites commercial umbrella policies and dwelling fire insurance specifically for properties not occupied by their owners. Complementing these, Safety Insurance includes inland marine coverage as an option within its homeowner and business owner policies, and furnishes insurance for small to medium-sized recreational watercraft. The distribution of all its insurance products is managed through a network of independent agents. Established in 1979 and headquartered in Boston, Massachusetts, the company was formerly known as Safety Holdings Inc. before officially changing its name to Safety Insurance Group, Inc. in April 2002.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Safety Insurance Group, Inc. (SAFT)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Safety Insurance Group, Inc. (SAFT) is a U.S.-based insurance provider offering a diverse range of personal and commercial coverage. The company's private passenger automobile policies furnish protection against third-party bodily injury and property damage liability, no-fault personal injury benefits for policyholders and their passengers, and physical damage insurance for the insured's own vehicle, covering impacts and other specific risks. Furthermore, it underwrites commercial automobile policies, designed for business-use vehicles ranging from passenger cars to trucks, tractors, and trailers, covering both individual units and entire fleets. For property owners, Safety Insurance offers homeowner policies that safeguard houses, condominiums, and apartments against damage to the structure and its contents from various perils, alongside liability coverage stemming from property ownership or occupation. The firm also extends its offerings to business owners policies, catering to diverse commercial operations such as apartment complexes, residential condominium associations, dining establishments, office condominiums, processing and service businesses, specialized trade contractors, and wholesalers. Beyond standard coverage, the company provides personal umbrella policies, which offer additional liability protection extending beyond the limits of individual automobile, watercraft, and homeowner insurance. It also underwrites commercial umbrella policies and dwelling fire insurance specifically for properties not occupied by their owners. Complementing these, Safety Insurance includes inland marine coverage as an option within its homeowner and business owner policies, and furnishes insurance for small to medium-sized recreational watercraft. The distribution of all its insurance products is managed through a network of independent agents. Established in 1979 and headquartered in Boston, Massachusetts, the company was formerly known as Safety Holdings Inc. before officially changing its name to Safety Insurance Group, Inc. in April 2002.
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