Safety Insurance Group (SAFT) AI Stock Analysis

• Market Cap: $1.07B
• Dividend Yield: 4.59%
• Average Volume (3M): 102.78K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.34
• Revenue Growth: 13.35%
• EPS Growth: 16.56%
• Country: US
• Employees: 551
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Property & Casualty
• EPS (TTM): 1.58
• Shares Outstanding: 14,631,684
• 10 Day Avg. Volume: 123,200
• 30 Day Avg. Volume: 102,777
• PEG Ratio: 0.29
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 0.91
• P/FCF Ratio: 5.97
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 0.86
• Enterprise Value/Gross Profit: 2.36
• Enterprise Value/Ebitda: 7.74
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 6.75
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $88.00 ▲(14.29% Upside)
• Action: Reiterated Date: 02/28/26
• Date: Action: Reiterated 02/28/26

The score is driven primarily by solid financial strength (low leverage, improving profitability, and stronger cash generation) and supportive valuation (low P/E and high dividend yield). These positives are partially offset by mixed near-term technical signals and the company’s history of margin volatility.

Positive Factors

Conservative balance sheet

Very low leverage and substantial equity provide capital resilience through underwriting cycles and catastrophes. This structural strength supports capacity to underwrite growth, absorb losses, maintain ratings and pursue dividends or buybacks without stressing solvency over the next 2–6 months.

Negative Factors

Multi-year margin volatility

Earnings and margins have varied materially across recent years, reflecting underwriting cyclicality. Persistent volatility reduces predictability of cash flows and capital returns, complicating long-term planning for reinsurance, pricing and reserve management over the coming months.

Safety Insurance Group Business Overview & Revenue Model

Company Description

Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company's private passenger automobile policies offer coverage for bodily injury and property damage to others, no...

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Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company's private passenger automobile policies offer coverage for bodily injury and property damage to others, no...

How the Company Makes Money

Safety Insurance Group generates revenue primarily through the collection of premiums from its policyholders. The company underwrites various insurance products, and the premiums collected serve as the main source of income. Additionally, Safety I...

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Safety Insurance Group generates revenue primarily through the collection of premiums from its policyholders. The company underwrites various insurance products, and the premiums collected serve as the main source of income. Additionally, Safety I...

Safety Insurance Group Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.25B	1.11B	925.95M	785.06M	864.72M
Gross Profit	456.89M	393.10M	283.64M	293.08M	402.99M
EBITDA	128.21M	99.84M	32.19M	66.72M	171.69M
Net Income	99.25M	70.73M	18.88M	46.56M	130.71M
Balance Sheet
Total Assets	2.47B	2.27B	2.09B	1.97B	2.12B
Cash, Cash Equivalents and Short-Term Investments	773.93M	612.36M	1.09B	1.08B	1.28B
Total Debt	61.86M	45.73M	49.76M	58.34M	57.12M
Total Liabilities	1.58B	1.44B	1.29B	1.16B	1.19B
Stockholders Equity	892.31M	828.46M	804.27M	812.00M	927.17M
Cash Flow
Free Cash Flow	191.99M	124.32M	50.33M	42.23M	133.17M
Operating Cash Flow	194.50M	128.69M	52.11M	44.33M	141.39M
Investing Cash Flow	-125.71M	-54.54M	24.27M	-19.99M	-65.99M
Financing Cash Flow	-53.87M	-53.33M	-63.53M	-62.64M	-65.57M

Safety Insurance Group Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 77.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SAFT, the sentiment is Neutral. The current price of 77 is above the 20-day moving average (MA) of 72.83, above the 50-day MA of 75.45, and above the 200-day MA of 72.85, indicating a neutral trend. The MACD of -0.73 indicates Negative momentum. The RSI at 46.98 is Neutral, neither overbought nor oversold. The STOCH value of 37.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SAFT.

Safety Insurance Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UVE	82 Outperform	$944.44M	5.15	37.99%	2.18%	4.61%	73.40%
UFCS	80 Outperform	$959.88M	6.27	13.50%	1.73%	12.22%	120.73%
HRTG	79 Outperform	$818.10M	4.62	47.28%	―	5.92%	93.02%
SAFT	76 Outperform	$1.07B	11.55	11.29%	4.59%	13.35%	16.56%
DGICA	69 Neutral	$639.64M	7.74	12.91%	3.51%	0.93%	224.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PRA	56 Neutral	$1.24B	9.31	3.94%	―	-3.35%	-21.82%