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Safety Insurance Group (SAFT)
NASDAQ:SAFT
US Market
SAFT
Safety Insurance Group
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Safety Insurance Group (SAFT) Ratios

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Safety Insurance Group Ratios

SAFT's free cash flow for Q1 2026 was $0.21. For the 2026 fiscal year, SAFT's free cash flow was decreased by $ and operating cash flow was $-0.05. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 33.17 0.84 0.00 0.08 64.67
Quick Ratio
 33.17 0.84 0.00 1.88 64.11
Cash Ratio
 4.94 0.05 0.00 0.08 1.01
Solvency Ratio
 0.05 0.06 0.06 0.02 0.05
Operating Cash Flow Ratio
 15.70 0.12 0.00 0.10 1.77
Short-Term Operating Cash Flow Coverage
 15.70 3.89 4.29 11.33 9.80
Net Current Asset Value
$ -1.21B$ -269.70M$ -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
 0.07 0.06 0.05 0.06 0.07
Long-Term Debt-to-Capital Ratio
 0.06 0.00 0.00 0.04 0.04
Financial Leverage Ratio
 2.84 2.77 2.74 2.60 2.43
Debt Service Coverage Ratio
 5.67 1.96 2.65 4.92 10.64
Interest Coverage Ratio
 39.43 82.80 176.55 29.85 113.70
Debt to Market Cap
 0.06 0.04 0.02 0.03 0.03
Interest Debt Per Share
 4.36 4.31 3.15 3.45 4.03
Net Debt to EBITDA
 0.07 -0.09 -0.13 0.36 0.50
Profitability Margins
Gross Profit Margin
32.70%36.43%35.42%30.63%37.33%
EBIT Margin
6.51%10.22%8.14%2.73%7.66%
EBITDA Margin
7.25%10.22%9.00%3.48%8.50%
Operating Profit Margin
6.35%10.10%8.10%2.64%7.59%
Pretax Profit Margin
6.35%10.10%8.10%2.64%7.59%
Net Profit Margin
4.97%7.91%6.37%2.04%5.93%
Continuous Operations Profit Margin
4.97%7.91%6.37%2.04%5.93%
Net Income Per EBT
78.22%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)
2.59%4.02%3.12%0.90%2.36%
Return on Equity (ROE)
7.16%11.12%8.54%2.35%5.73%
Return on Capital Employed (ROCE)
3.33%14.01%3.96%1.53%3.06%
Return on Invested Capital (ROIC)
15.64%10.40%235.78%1.18%2.79%
Return on Tangible Assets
2.61%4.25%3.15%0.91%2.39%
Earnings Yield
5.97%8.66%5.84%1.69%3.78%
Efficiency Ratios
Receivables Turnover
 4.05 2.53 2.39 2.42 2.62
Payables Turnover
 14.00 8.33 7.44 8.01 5.77
Inventory Turnover
 0.00 0.00 0.00 -0.71 34.77
Fixed Asset Turnover
 114.35 66.21 54.74 29.42 33.64
Asset Turnover
 0.52 0.51 0.49 0.44 0.40
Working Capital Turnover Ratio
 25.56 -9.73 -4.81 1.63 0.51
Cash Conversion Cycle
 64.05 100.42 103.61 -406.41 86.59
Days of Sales Outstanding
 90.12 144.22 152.68 151.05 139.39
Days of Inventory Outstanding
 0.00 0.00 0.00 -511.90 10.50
Days of Payables Outstanding
 26.06 43.79 49.07 45.56 63.30
Operating Cycle
 90.12 144.22 152.68 -360.85 149.88
Cash Flow Ratios
Operating Cash Flow Per Share
 12.02 13.22 8.76 3.55 3.03
Free Cash Flow Per Share
 11.74 13.05 8.46 3.43 2.89
CapEx Per Share
 0.28 0.17 0.30 0.12 0.14
Free Cash Flow to Operating Cash Flow
 0.98 0.99 0.97 0.97 0.95
Dividend Paid and CapEx Coverage Ratio
 3.01 3.45 2.23 0.95 0.80
Capital Expenditure Coverage Ratio
 43.38 77.55 29.48 29.23 21.19
Operating Cash Flow Coverage Ratio
 2.85 3.14 2.81 1.05 0.76
Operating Cash Flow to Sales Ratio
 0.14 0.16 0.12 0.06 0.06
Free Cash Flow Yield
15.91%16.75%10.27%4.52%3.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 16.76 11.55 17.12 59.04 26.43
Price-to-Sales (P/S) Ratio
 0.84 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
 6.28 5.97 9.74 22.14 29.14
Price-to-Operating Cash Flow Ratio
 6.06 5.89 9.41 21.38 27.77
Price-to-Earnings Growth (PEG) Ratio
 -1.26 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
 11.69 8.85 11.99 34.98 18.94
Enterprise Value
 1.08B 1.13B 1.20B 1.13B 1.26B
EV to EBITDA
 11.69 8.85 11.99 34.98 18.94
EV to Sales
 0.85 0.90 1.08 1.22 1.61
EV to Free Cash Flow
 6.32 5.91 9.63 22.37 29.93
EV to Operating Cash Flow
 6.18 5.83 9.30 21.60 28.51
Tangible Book Value Per Share
 57.39 51.43 54.70 53.17 53.88
Shareholders’ Equity Per Share
 59.02 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
 87.56 85.24 75.53 63.15 53.74
Net Income Per Share
 4.35 6.75 4.81 1.29 3.19
Tax Burden
 0.78 0.78 0.79 0.77 0.78
Interest Burden
 0.98 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
 2.76 1.96 1.82 2.76 0.95
Currency in USD