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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt No Debt
SAFT's Cash-to-Debt is ranked higher than
99% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.41 vs. SAFT: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
SAFT' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.65  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.38
SAFT's Equity-to-Asset is ranked higher than
79% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. SAFT: 0.38 )
Ranked among companies with meaningful Equity-to-Asset only.
SAFT' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.13  Med: 0.38 Max: 0.45
Current: 0.38
0.13
0.45
Interest Coverage 1036.47
SAFT's Interest Coverage is ranked higher than
62% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 28.75 vs. SAFT: 1036.47 )
Ranked among companies with meaningful Interest Coverage only.
SAFT' s Interest Coverage Range Over the Past 10 Years
Min: 162.19  Med: 925.76 Max: 1504.18
Current: 1036.47
162.19
1504.18
WACC vs ROIC
5.78%
10.28%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating Margin % 11.38
SAFT's Operating Margin % is ranked higher than
62% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.20 vs. SAFT: 11.38 )
Ranked among companies with meaningful Operating Margin % only.
SAFT' s Operating Margin % Range Over the Past 10 Years
Min: -3.59  Med: 11.67 Max: 18.63
Current: 11.38
-3.59
18.63
Net Margin % 7.88
SAFT's Net Margin % is ranked higher than
54% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.16 vs. SAFT: 7.88 )
Ranked among companies with meaningful Net Margin % only.
SAFT' s Net Margin % Range Over the Past 10 Years
Min: -1.74  Med: 8.24 Max: 13.05
Current: 7.88
-1.74
13.05
ROE % 9.66
SAFT's ROE % is ranked higher than
60% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.60 vs. SAFT: 9.66 )
Ranked among companies with meaningful ROE % only.
SAFT' s ROE % Range Over the Past 10 Years
Min: -2.05  Med: 8.79 Max: 16.39
Current: 9.66
-2.05
16.39
ROA % 3.70
SAFT's ROA % is ranked higher than
71% of the 134 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.21 vs. SAFT: 3.70 )
Ranked among companies with meaningful ROA % only.
SAFT' s ROA % Range Over the Past 10 Years
Min: -0.82  Med: 3.8 Max: 6.24
Current: 3.7
-0.82
6.24
3-Year Revenue Growth Rate 3.60
SAFT's 3-Year Revenue Growth Rate is ranked lower than
60% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.60 vs. SAFT: 3.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SAFT' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -63.5  Med: 1.9 Max: 31.9
Current: 3.6
-63.5
31.9
3-Year EBITDA Growth Rate 2.80
SAFT's 3-Year EBITDA Growth Rate is ranked higher than
60% of the 115 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.20 vs. SAFT: 2.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SAFT' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -55.6  Med: 2.7 Max: 51.6
Current: 2.8
-55.6
51.6
3-Year EPS without NRI Growth Rate 2.40
SAFT's 3-Year EPS without NRI Growth Rate is ranked higher than
59% of the 107 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -1.00 vs. SAFT: 2.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SAFT' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -59  Med: 2.1 Max: 63.2
Current: 2.4
-59
63.2
GuruFocus has detected 5 Warning Signs with Safety Insurance Group Inc $SAFT.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SAFT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

SAFT Guru Trades in Q1 2016

Jim Simons 167,686 sh (+13.53%)
» More
Q2 2016

SAFT Guru Trades in Q2 2016

Jim Simons 162,386 sh (-3.16%)
» More
Q3 2016

SAFT Guru Trades in Q3 2016

Paul Tudor Jones 7,832 sh (New)
Jim Simons 168,300 sh (+3.64%)
» More
Q4 2016

SAFT Guru Trades in Q4 2016

Jim Simons 215,186 sh (+27.86%)
Paul Tudor Jones 8,739 sh (+11.58%)
» More
» Details

Insider Trades

Latest Guru Trades with SAFT

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Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty    NAICS: 524126    SIC: 6331
Compare:NAS:AMSF, NAS:IPCC, NAS:UFCS, NYSE:STC, NAS:STFC, NYSE:MBI, NAS:JRVR, NYSE:UVE, NAS:KNSL, NAS:GBLI, NAS:NMIH, NAS:UIHC, NAS:NATL, NAS:SNC, NAS:NAVG, NAS:EMCI, NYSE:HCI, NAS:DGICB, NYSE:ENHPRC, NAS:BWINA » details
Traded in other countries:SFN.Germany,
Headquarter Location:USA
Safety Insurance Group Inc is a provider of private passenger automobile insurance in Massachusetts. It also offers property & casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella and business owner policies.

Safety Insurance Group Inc was incorporated on June 25, 2001 in the State of Delaware. It is a provider of private passenger automobile insurance in Massachusetts. It also offers property & casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella & business owner policies. It operates exclusively in Massachusetts and New Hampshire, through its insurance company subsidiaries. Its product lines are as follows: 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; Commercial Automobile policies provide coverage for bodily injury and property damage to others, no-fault personal injury coverage, and physical damage coverage for an insured's own vehicle for collision or other perils resulting from the ownership or use of commercial vehicles in a business; Homeowners policies provide coverage for losses to a dwelling and its contents from numerous perils, and coverage for liability to others arising from ownership or occupancy; Business Owners Policies provide liability and property coverage for many perils, including business interruption from a covered loss; Commercial Package Policies provide any combination of property, general liability, crime and inland marine insurance; Personal Umbrella offer personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies to clients; Dwelling Fire underwrites dwelling fire insurance, which is a limited form of a homeowner's policy for non-owner occupied residences; Commercial Umbrella offers an excess liability product to clients for whom the Company underwrite both commercial automobile and business owner policies; Inland Marine offers inland marine coverage as an endorsement for all homeowners and business owner policies, and as part of its commercial package policy. Inland marine provides additional coverage for jewelry, fine arts and other items that a homeowners or business owner policy would limit or not cover; and Watercraft offerswatercraft coverage for small and medium sized pleasure craft with maximum lengths of 32 feet, valued at less than $75 and maximum speed of 39 knots. The company competes with both large national writers and smaller regional companies. Its competitors include companies that serve the independent agency market, as well as companies which sell insurance directly to customers. The Companys operations are subject to certain laws in Massachusetts regulating insurance holding company systems.

Ratios

vs
industry
vs
history
PE Ratio 16.96
SAFT's PE Ratio is ranked lower than
53% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.99 vs. SAFT: 16.96 )
Ranked among companies with meaningful PE Ratio only.
SAFT' s PE Ratio Range Over the Past 10 Years
Min: 5.1  Med: 12.96 Max: 78.96
Current: 16.96
5.1
78.96
Forward PE Ratio 17.61
SAFT's Forward PE Ratio is ranked lower than
71% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.71 vs. SAFT: 17.61 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 16.96
SAFT's PE Ratio without NRI is ranked lower than
52% of the 122 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.11 vs. SAFT: 16.96 )
Ranked among companies with meaningful PE Ratio without NRI only.
SAFT' s PE Ratio without NRI Range Over the Past 10 Years
Min: 5.1  Med: 12.96 Max: 78.96
Current: 16.96
5.1
78.96
Price-to-Owner-Earnings 10.59
SAFT's Price-to-Owner-Earnings is ranked higher than
59% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.49 vs. SAFT: 10.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
SAFT' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.15  Med: 10.27 Max: 878.42
Current: 10.59
6.15
878.42
PB Ratio 1.64
SAFT's PB Ratio is ranked lower than
59% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.34 vs. SAFT: 1.64 )
Ranked among companies with meaningful PB Ratio only.
SAFT' s PB Ratio Range Over the Past 10 Years
Min: 0.76  Med: 1.1 Max: 2.02
Current: 1.64
0.76
2.02
PS Ratio 1.33
SAFT's PS Ratio is ranked lower than
56% of the 135 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. SAFT: 1.33 )
Ranked among companies with meaningful PS Ratio only.
SAFT' s PS Ratio Range Over the Past 10 Years
Min: 0.75  Med: 1.04 Max: 1.36
Current: 1.33
0.75
1.36
Price-to-Free-Cash-Flow 11.61
SAFT's Price-to-Free-Cash-Flow is ranked lower than
54% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. SAFT: 11.61 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SAFT' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.36  Med: 9.31 Max: 136.49
Current: 11.61
3.36
136.49
Price-to-Operating-Cash-Flow 11.03
SAFT's Price-to-Operating-Cash-Flow is ranked lower than
54% of the 99 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 vs. SAFT: 11.03 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SAFT' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 4.75  Med: 8.71 Max: 42.53
Current: 11.03
4.75
42.53
EV-to-EBIT 11.59
SAFT's EV-to-EBIT is ranked lower than
55% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.44 vs. SAFT: 11.59 )
Ranked among companies with meaningful EV-to-EBIT only.
SAFT' s EV-to-EBIT Range Over the Past 10 Years
Min: -31.8  Med: 8.3 Max: 204.1
Current: 11.59
-31.8
204.1
EV-to-EBITDA 10.07
SAFT's EV-to-EBITDA is ranked higher than
50% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. SAFT: 10.07 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAFT' s EV-to-EBITDA Range Over the Past 10 Years
Min: -57.2  Med: 7.15 Max: 52
Current: 10.07
-57.2
52
Shiller PE Ratio 20.16
SAFT's Shiller PE Ratio is ranked higher than
52% of the 58 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.57 vs. SAFT: 20.16 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAFT' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.25  Med: 11.86 Max: 20.64
Current: 20.16
3.25
20.64

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.87
SAFT's Dividend Yield % is ranked higher than
64% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.81 vs. SAFT: 3.87 )
Ranked among companies with meaningful Dividend Yield % only.
SAFT' s Dividend Yield % Range Over the Past 10 Years
Min: 1.31  Med: 4.42 Max: 5.51
Current: 3.87
1.31
5.51
Dividend Payout Ratio 0.66
SAFT's Dividend Payout Ratio is ranked higher than
54% of the 142 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.36 vs. SAFT: 0.66 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SAFT' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.24  Med: 0.58 Max: 2.22
Current: 0.66
0.24
2.22
3-Year Dividend Growth Rate 5.30
SAFT's 3-Year Dividend Growth Rate is ranked lower than
74% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. SAFT: 5.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SAFT' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.75 Max: 43.5
Current: 5.3
0
43.5
Forward Dividend Yield % 3.87
SAFT's Forward Dividend Yield % is ranked higher than
63% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.80 vs. SAFT: 3.87 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 5.53
SAFT's 5-Year Yield-on-Cost % is ranked higher than
57% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 5.36 vs. SAFT: 5.53 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SAFT' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.87  Med: 6.32 Max: 7.87
Current: 5.53
1.87
7.87
3-Year Average Share Buyback Ratio 0.50
SAFT's 3-Year Average Share Buyback Ratio is ranked higher than
67% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. SAFT: 0.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SAFT' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -165.3  Med: -0.9 Max: 2.4
Current: 0.5
-165.3
2.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.64
SAFT's Price-to-Tangible-Book is ranked higher than
52% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. SAFT: 1.64 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SAFT' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.88  Med: 1.1 Max: 1.66
Current: 1.64
0.88
1.66
Price-to-Intrinsic-Value-Projected-FCF 0.87
SAFT's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
52% of the 90 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.79 vs. SAFT: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SAFT' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.66 Max: 0.89
Current: 0.87
0.45
0.89
Price-to-Median-PS-Value 1.28
SAFT's Price-to-Median-PS-Value is ranked lower than
70% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.06 vs. SAFT: 1.28 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SAFT' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.32  Med: 0.93 Max: 1.3
Current: 1.28
0.32
1.3
Price-to-Graham-Number 1.11
SAFT's Price-to-Graham-Number is ranked higher than
54% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.09 vs. SAFT: 1.11 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SAFT' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 0.74 Max: 1.37
Current: 1.11
0.56
1.37
Earnings Yield (Greenblatt) % 8.63
SAFT's Earnings Yield (Greenblatt) % is ranked lower than
54% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.58 vs. SAFT: 8.63 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SAFT' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.5  Med: 11.5 Max: 33.4
Current: 8.63
0.5
33.4
Forward Rate of Return (Yacktman) % 5.53
SAFT's Forward Rate of Return (Yacktman) % is ranked lower than
70% of the 74 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.92 vs. SAFT: 5.53 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SAFT' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -15.6  Med: 7.45 Max: 90.2
Current: 5.53
-15.6
90.2

More Statistics

Revenue (TTM) (Mil) $819.8
EPS (TTM) $ 4.27
Beta0.58
Short Percentage of Float0.40%
52-Week Range $55.05 - 75.05
Shares Outstanding (Mil)15.22

Analyst Estimate

Dec17 Dec18
Revenue (Mil $)
EPS ($) 4.11 4.25
EPS without NRI ($) 4.11 4.25
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 2.80 2.80
» More Articles for SAFT

Headlines

Articles On GuruFocus.com
Safety Insurance Group Selects ProcessUnity for Risk Management and Sarbanes-Oxley Compliance Dec 16 2015 
A High Dividend Yield, But a Sell Recommendation for Safety Insurance Group Oct 08 2014 
Safety Insurance Group Inc. Reports Operating Results (10-K) Mar 14 2011 
Safety Insurance Group Inc. Reports Operating Results (10-Q) Nov 05 2010 
Safety Insurance Group Inc. (SAFT) VP, CFO and Secretary William J Jr Begley sells 6,000 Shares Sep 17 2010 
Safety Insurance Group Inc. Reports Operating Results (10-Q) Aug 06 2010 
Safety Insurance Group Inc. Reports Operating Results (10-Q) May 07 2010 
Safety Insurance Group Inc. Reports Operating Results (10-Q) Nov 05 2009 
Cash Flowing & Growing!: Apogee Enterprises, Innophos Holdings, Safety Insurance, Tidewater Oct 13 2009 
Safety Insurance Group Inc. Reports Operating Results (10-Q) Aug 07 2009 

More From Other Websites
Safety Insurance Group, Inc. breached its 50 day moving average in a Bullish Manner : SAFT-US :... Apr 25 2017
Safety Insurance Group, Inc. :SAFT-US: Earnings Analysis: Q4, 2016 By the Numbers : February 27,... Feb 27 2017
Safety Insurance Group Drives Safely Through the 4th Quarter Feb 23 2017
Safety Insurance posts 4Q profit Feb 22 2017
Safety Announces Fourth Quarter and Year End 2016 Results Feb 22 2017
Safety Declares First Quarter 2017 Dividend and Schedules Year-End 2016 Events Feb 15 2017
Safety Insurance Group, Inc. breached its 50 day moving average in a Bearish Manner : SAFT-US :... Jan 31 2017
ETFs with exposure to Safety Insurance Group, Inc. : January 9, 2017 Jan 09 2017
Safety Insurance Group, Inc. :SAFT-US: Earnings Analysis: Q3, 2016 By the Numbers : December 28,... Dec 28 2016
Is Safety Insurance Group, Inc. (SAFT) Going to Burn These Hedge Funds? Dec 12 2016
Safety Announces Third Quarter 2016 Results and Declares Fourth Quarter 2016 Dividend Nov 01 2016
Safety Announces Second Quarter 2016 Results and Declares Third Quarter 2016 Dividend Aug 03 2016
A.M. Best Affirms Ratings of Safety Insurance Group, Inc. and Its Subsidiaries May 09 2016
Safety Announces First Quarter 2016 Results and Declares Second Quarter 2016 Dividend May 03 2016
Safety Insurance Group, Inc. breached its 50 day moving average in a Bullish Manner : December 29,... Dec 29 2015

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