Safety Insurance Group, Inc.

Valuation Analysis

About the Company

Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, and insure individual vehicles, as well as commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwe

Safety Insurance Group, Inc. Stock at a Glance

Safety Insurance Group, Inc. (SAFT) is currently trading at $71.81 with a market capitalization of $1.1B. The trailing P/E ratio stands at 16.98x, with a forward P/E of 11.49x. The 52-week range spans from $67.04 to $81.49; the current price is 11.9% below the yearly high. Year-over-year revenue growth stands at +4.4%. The net profit margin stands at 4.94%.

💰 Dividend

Safety Insurance Group, Inc. pays an annual dividend of $3.68 per share, representing a yield of 5.12%. The payout ratio stands at 86.52%. The elevated payout ratio reflects a mature dividend policy.

Safety Insurance Group, Inc.: The Investment Case in Detail

Safety Insurance Group, Inc. (SAFT) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 4.4%, which is below nominal GDP — the business is no longer outgrowing the broader economy. With a net margin of just 4.94%, the business has little room to absorb cost shocks or pricing pressure — a single bad quarter can swing the company to a loss.

Valuation in Context

With a PEG ratio of 0.95, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

What to Watch Next

• The forward P/E of 11.49x is meaningfully below the trailing 16.98x — analysts expect earnings to step up; the next earnings release is the test.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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