Safety Insurance Group, Inc.
SAFTFinancial ServicesNASDAQInsurance - Property & Casualty
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Daily timeframePart of the financial services sector, Safety Insurance Group, Inc. (SAFT) is listed under Insurance - Property & Casualty. Valued at $1.02B, SAFT is a small-cap name in its sector. 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.
Market Cap
$1.02B
Beta
0.24
P/E (TTM)
16.39
P/E (Fwd)
11.09
EPS (TTM)
$4.23
EPS (Fwd)
$6.25
ROE
7.4%
ROA
2.2%
Cash
$54.8M
Total Debt
$61.1M
Free CF
$167.9M
52W Change
-13.1%
Annual Financials
Cash vs Debt
The company holds $54.8M in cash, though total debt stands at $61.1M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Annual free cash flow of $167.9M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 7.4% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $864.7M (2021) to $1.25B (2025), reflecting a 45% increase over the period.
With a beta below 0.7, Safety Insurance Group, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. No single metric tells the full story. Reviewing SAFT's risk profile alongside its fundamentals and technical indicators provides a more complete picture.