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STOCKS

Safety Insurance (SAFT)

:SAFT

SAFT

Safety Insurance Group

RESEARCH TOOLSreports

Safety Insurance Group (SAFT) Ratios

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235 Followers

Safety Insurance Group Ratios

SAFT's free cash flow for Q3 2025 was $-1.31. For the 2025 fiscal year, SAFT's free cash flow was decreased by $ and operating cash flow was $0.11. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	28.20	0.08	64.67	13.58	13.69
Quick Ratio	28.20	0.08	64.11	16.16	16.67
Cash Ratio	4.07	0.08	1.01	0.55	0.46
Solvency Ratio	0.06	0.02	0.05	0.12	0.12
Operating Cash Flow Ratio	12.41	0.10	1.77	1.22	0.93
Short-Term Operating Cash Flow Coverage	13.57	11.33	1.27	0.00	3.53
Net Current Asset Value	$ -1.16B	$ -1.25B	$ 460.43M	$ 382.28M	$ 441.75M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.03	0.03	0.03
Debt-to-Equity Ratio	0.05	0.06	0.07	0.06	0.07
Debt-to-Capital Ratio	0.05	0.06	0.07	0.06	0.06
Long-Term Debt-to-Capital Ratio	0.03	0.04	0.00	0.03	0.03
Financial Leverage Ratio	2.72	2.60	2.43	2.28	2.32
Debt Service Coverage Ratio	6.58	4.21	-0.37	264.61	4.65
Interest Coverage Ratio	24.03	15.06	115.02	314.69	397.20
Debt to Market Cap	0.04	0.03	0.03	0.02	0.05
Interest Debt Per Share	2.97	3.45	4.03	3.89	4.10
Net Debt to EBITDA	-0.12	0.41	0.00	-0.04	0.04
Profitability Margins
Gross Profit Margin	7.51%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	9.03%	2.12%	7.66%	19.06%	20.85%
EBITDA Margin	9.33%	3.05%	0.00%	19.85%	21.74%
Operating Profit Margin	2.15%	1.32%	7.68%	19.00%	20.80%
Pretax Profit Margin	9.08%	2.62%	7.59%	19.00%	20.80%
Net Profit Margin	7.11%	2.03%	5.93%	15.12%	16.45%
Continuous Operations Profit Margin	7.11%	2.03%	5.93%	15.12%	16.45%
Net Income Per EBT	78.35%	77.29%	78.15%	79.57%	79.08%
EBT Per EBIT	423.01%	198.23%	98.86%	100.00%	100.00%
Return on Assets (ROA)	3.56%	0.90%	2.36%	6.17%	6.73%
Return on Equity (ROE)	10.11%	2.35%	5.73%	14.10%	15.62%
Return on Capital Employed (ROCE)	1.08%	0.77%	3.09%	8.21%	9.02%
Return on Invested Capital (ROIC)	4.85%	0.60%	2.77%	4.41%	4.58%
Return on Tangible Assets	3.60%	0.91%	2.39%	21.00%	23.89%
Earnings Yield	7.78%	1.69%	3.78%	10.37%	11.83%
Efficiency Ratios
Receivables Turnover	3.68	0.00	2.62	2.98	2.80
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	97.17	29.58	33.64	31.89	27.11
Asset Turnover	0.50	0.44	0.40	0.41	0.41
Working Capital Turnover Ratio	3.30	1.64	0.51	0.59	0.56
Cash Conversion Cycle	99.13	0.00	139.39	122.67	130.50
Days of Sales Outstanding	99.13	0.00	139.39	122.67	130.50
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	99.13	0.00	139.39	122.67	130.50
Cash Flow Ratios
Operating Cash Flow Per Share	11.63	3.55	3.03	9.54	7.30
Free Cash Flow Per Share	11.59	3.43	2.89	8.98	6.63
CapEx Per Share	0.04	0.12	0.14	0.55	0.66
Free Cash Flow to Operating Cash Flow	1.00	0.97	0.95	0.94	0.91
Dividend Paid and CapEx Coverage Ratio	3.16	0.95	0.80	2.27	1.70
Capital Expenditure Coverage Ratio	308.77	29.23	21.19	17.19	11.01
Operating Cash Flow Coverage Ratio	4.02	1.05	0.76	2.48	1.79
Operating Cash Flow to Sales Ratio	0.14	0.06	0.06	0.16	0.13
Free Cash Flow Yield	15.07%	4.52%	3.43%	10.56%	8.51%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.85	59.04	26.43	9.65	8.46
Price-to-Sales (P/S) Ratio	0.92	1.20	1.57	1.46	1.39
Price-to-Book (P/B) Ratio	1.25	1.39	1.52	1.36	1.32
Price-to-Free Cash Flow (P/FCF) Ratio	6.64	22.14	29.14	9.47	11.74
Price-to-Operating Cash Flow Ratio	6.55	21.38	27.77	8.92	10.68
Price-to-Earnings Growth (PEG) Ratio	4.32	-0.99	-0.41	-2.23	0.20
Price-to-Fair Value	1.25	1.39	1.52	1.36	1.32
Enterprise Value Multiple	9.79	39.71	0.00	7.31	6.44
Enterprise Value	1.12B	1.13B	1.26B	1.25B	1.18B
EV to EBITDA	9.79	39.71	0.00	7.31	6.44
EV to Sales	0.91	1.21	1.61	1.45	1.40
EV to Free Cash Flow	6.56	22.37	29.93	9.42	11.82
EV to Operating Cash Flow	6.54	21.60	28.51	8.87	10.74
Tangible Book Value Per Share	59.41	53.17	53.88	-38.30	-39.40
Shareholders’ Equity Per Share	61.04	54.85	55.59	62.53	58.97
Tax and Other Ratios
Effective Tax Rate	0.22	0.23	0.22	0.20	0.21
Revenue Per Share	83.25	63.49	53.74	58.31	56.02
Net Income Per Share	5.92	1.29	3.19	8.81	9.21
Tax Burden	0.78	0.77	0.78	0.80	0.79
Interest Burden	1.01	1.24	0.99	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.96	2.76	0.95	1.08	0.79

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