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STOCKS

Safety Insurance Group (SAFT)

NASDAQ:SAFT

SAFT

Safety Insurance Group

RESEARCH TOOLSreports

Safety Insurance Group (SAFT) Ratios

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234 Followers

Safety Insurance Group Ratios

SAFT's free cash flow for Q4 2025 was $0.34. For the 2025 fiscal year, SAFT's free cash flow was decreased by $ and operating cash flow was $0.08. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	25.00	25.00	0.00	0.08	64.67
Quick Ratio	25.00	25.00	0.00	1.88	64.11
Cash Ratio	4.69	4.69	0.00	0.08	1.01
Solvency Ratio	0.07	0.06	0.06	0.02	0.05
Operating Cash Flow Ratio	12.34	12.34	0.00	0.10	1.77
Short-Term Operating Cash Flow Coverage	16.40	16.40	4.29	11.33	9.80
Net Current Asset Value	$ -1.18B	$ -1.18B	$ -1.44B	$ -1.25B	$ 460.43M
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.03	0.02	0.02	0.03
Debt-to-Equity Ratio	0.07	0.07	0.06	0.06	0.07
Debt-to-Capital Ratio	0.06	0.06	0.05	0.06	0.07
Long-Term Debt-to-Capital Ratio	0.06	0.06	0.00	0.04	0.04
Financial Leverage Ratio	2.77	2.77	2.74	2.60	2.43
Debt Service Coverage Ratio	8.37	7.53	2.65	4.92	10.64
Interest Coverage Ratio	82.80	82.80	176.55	29.85	113.70
Debt to Market Cap	0.07	0.06	0.02	0.03	0.03
Interest Debt Per Share	4.33	4.31	3.15	3.45	4.03
Net Debt to EBITDA	-0.09	-0.09	-0.13	0.36	0.50
Profitability Margins
Gross Profit Margin	36.43%	36.43%	35.42%	30.63%	37.33%
EBIT Margin	10.22%	10.22%	8.14%	2.73%	7.66%
EBITDA Margin	11.13%	10.22%	9.00%	3.48%	8.50%
Operating Profit Margin	10.10%	10.10%	8.10%	2.64%	7.59%
Pretax Profit Margin	10.10%	10.10%	8.10%	2.64%	7.59%
Net Profit Margin	7.91%	7.91%	6.37%	2.04%	5.93%
Continuous Operations Profit Margin	7.91%	7.91%	6.37%	2.04%	5.93%
Net Income Per EBT	78.35%	78.35%	78.71%	77.29%	78.15%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	4.02%	4.02%	3.12%	0.90%	2.36%
Return on Equity (ROE)	11.29%	11.12%	8.54%	2.35%	5.73%
Return on Capital Employed (ROCE)	5.16%	5.16%	3.96%	1.53%	3.06%
Return on Invested Capital (ROIC)	23.30%	23.30%	235.78%	1.18%	2.79%
Return on Tangible Assets	4.06%	4.06%	3.15%	0.91%	2.39%
Earnings Yield	9.05%	8.66%	5.84%	1.69%	3.78%
Efficiency Ratios
Receivables Turnover	3.92	3.92	2.39	2.42	2.62
Payables Turnover	8.33	8.33	7.44	8.01	5.77
Inventory Turnover	0.00	0.00	0.00	-0.71	34.77
Fixed Asset Turnover	105.73	105.73	54.74	29.42	33.64
Asset Turnover	0.51	0.51	0.49	0.44	0.40
Working Capital Turnover Ratio	3.27	6.63	-4.81	1.63	0.51
Cash Conversion Cycle	49.40	49.40	103.61	-406.41	86.59
Days of Sales Outstanding	93.19	93.19	152.68	151.05	139.39
Days of Inventory Outstanding	0.00	0.00	0.00	-511.90	10.50
Days of Payables Outstanding	43.79	43.79	49.07	45.56	63.30
Operating Cycle	93.19	93.19	152.68	-360.85	149.88
Cash Flow Ratios
Operating Cash Flow Per Share	13.29	13.22	8.76	3.55	3.03
Free Cash Flow Per Share	13.12	13.05	8.46	3.43	2.89
CapEx Per Share	0.17	0.17	0.30	0.12	0.14
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.97	0.97	0.95
Dividend Paid and CapEx Coverage Ratio	3.45	3.45	2.23	0.95	0.80
Capital Expenditure Coverage Ratio	77.55	77.55	29.48	29.23	21.19
Operating Cash Flow Coverage Ratio	3.14	3.14	2.81	1.05	0.76
Operating Cash Flow to Sales Ratio	0.16	0.16	0.12	0.06	0.06
Free Cash Flow Yield	17.20%	16.75%	10.27%	4.52%	3.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.05	11.55	17.12	59.04	26.43
Price-to-Sales (P/S) Ratio	0.89	0.91	1.09	1.20	1.57
Price-to-Book (P/B) Ratio	1.23	1.28	1.46	1.39	1.52
Price-to-Free Cash Flow (P/FCF) Ratio	5.81	5.97	9.74	22.14	29.14
Price-to-Operating Cash Flow Ratio	5.64	5.89	9.41	21.38	27.77
Price-to-Earnings Growth (PEG) Ratio	0.78	0.29	0.06	-0.99	-0.41
Price-to-Fair Value	1.23	1.28	1.46	1.39	1.52
Enterprise Value Multiple	7.91	8.85	11.99	34.98	18.94
Enterprise Value	1.10B	1.13B	1.20B	1.13B	1.26B
EV to EBITDA	7.91	8.85	11.99	34.98	18.94
EV to Sales	0.88	0.90	1.08	1.22	1.61
EV to Free Cash Flow	5.75	5.91	9.63	22.37	29.93
EV to Operating Cash Flow	5.68	5.83	9.30	21.60	28.51
Tangible Book Value Per Share	59.33	59.03	54.70	53.17	53.88
Shareholders’ Equity Per Share	60.96	60.65	56.39	54.85	55.59
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.21	0.23	0.22
Revenue Per Share	85.67	85.24	75.53	63.15	53.74
Net Income Per Share	6.78	6.75	4.81	1.29	3.19
Tax Burden	0.78	0.78	0.79	0.77	0.78
Interest Burden	0.99	0.99	0.99	0.97	0.99
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	1.96	1.82	2.76	0.95

Currency in USD