Safety Insurance Group, Inc.
SAFTFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Jul 18, 2026
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Daily timeframeHeadquartered within the financial services sector, Safety Insurance Group, Inc. focuses on Insurance - Property & Casualty services and products. Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. With a market capitalization of $1.09B, it sits in small-cap territory. 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
$1.09B
Beta
0.22
P/E (TTM)
17.53
P/E (Fwd)
11.86
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
1.5%
Annual Financials
Cash vs Debt
On the balance sheet, SAFT has $54.8M in cash with $61.1M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. The company generates $167.9M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. 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. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing SAFT.