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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
84% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.64 vs. SAFT: No Debt )
SAFT' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: No Debt

Equity to Asset 0.44
SAFT's Equity to Asset is ranked higher than
93% of the 196 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. SAFT: 0.44 )
SAFT' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.45
Current: 0.44

0.13
0.45
Interest Coverage 985.26
SAFT's Interest Coverage is ranked higher than
80% of the 157 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 27.44 vs. SAFT: 985.26 )
SAFT' s 10-Year Interest Coverage Range
Min: 12.93   Max: 1913.79
Current: 985.26

12.93
1913.79
F-Score: 4
Z-Score: 1.65
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 : 6/10

vs
industry
vs
history
Operating margin (%) 11.77
SAFT's Operating margin (%) is ranked higher than
74% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.62 vs. SAFT: 11.77 )
SAFT' s 10-Year Operating margin (%) Range
Min: 2.16   Max: 24.18
Current: 11.77

2.16
24.18
Net-margin (%) 8.23
SAFT's Net-margin (%) is ranked higher than
71% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.68 vs. SAFT: 8.23 )
SAFT' s 10-Year Net-margin (%) Range
Min: 1.75   Max: 107.56
Current: 8.23

1.75
107.56
ROE (%) 8.83
SAFT's ROE (%) is ranked higher than
69% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.70 vs. SAFT: 8.83 )
SAFT' s 10-Year ROE (%) Range
Min: 2.09   Max: 102.44
Current: 8.83

2.09
102.44
ROA (%) 3.77
SAFT's ROA (%) is ranked higher than
83% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.69 vs. SAFT: 3.77 )
SAFT' s 10-Year ROA (%) Range
Min: 0.93   Max: 12.99
Current: 3.77

0.93
12.99
Revenue Growth (%) 6.00
SAFT's Revenue Growth (%) is ranked higher than
70% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.20 vs. SAFT: 6.00 )
SAFT' s 10-Year Revenue Growth (%) Range
Min: -63.5   Max: 31.9
Current: 6

-63.5
31.9
EBITDA Growth (%) 2.30
SAFT's EBITDA Growth (%) is ranked higher than
62% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. SAFT: 2.30 )
SAFT' s 10-Year EBITDA Growth (%) Range
Min: -55.6   Max: 51.5
Current: 2.3

-55.6
51.5
EPS Growth (%) 2.10
SAFT's EPS Growth (%) is ranked higher than
65% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 vs. SAFT: 2.10 )
SAFT' s 10-Year EPS Growth (%) Range
Min: -59   Max: 62.9
Current: 2.1

-59
62.9
» SAFT's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2013

SAFT Guru Trades in Q2 2013

Chuck Royce 700 sh (unchged)
Whitney Tilson Sold Out
Steven Cohen Sold Out
» More
Q3 2013

SAFT Guru Trades in Q3 2013

Chuck Royce 700 sh (unchged)
» More
Q4 2013

SAFT Guru Trades in Q4 2013

Manning & Napier Advisors, Inc 4,173 sh (New)
Chuck Royce 700 sh (unchged)
» More
Q1 2014

SAFT Guru Trades in Q1 2014

Chuck Royce 700 sh (unchged)
Manning & Napier Advisors, Inc Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SAFT



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 13.20
SAFT's P/E(ttm) is ranked higher than
72% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.60 vs. SAFT: 13.20 )
SAFT' s 10-Year P/E(ttm) Range
Min: 5.1   Max: 49.78
Current: 13.2

5.1
49.78
P/B 1.10
SAFT's P/B is ranked higher than
78% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.30 vs. SAFT: 1.10 )
SAFT' s 10-Year P/B Range
Min: 0.76   Max: 2.01
Current: 1.1

0.76
2.01
P/S 1.10
SAFT's P/S is ranked higher than
76% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.28 vs. SAFT: 1.10 )
SAFT' s 10-Year P/S Range
Min: 0.36   Max: 1.3
Current: 1.1

0.36
1.3
PFCF 8.30
SAFT's PFCF is ranked higher than
79% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.78 vs. SAFT: 8.30 )
SAFT' s 10-Year PFCF Range
Min: 2.73   Max: 19.38
Current: 8.3

2.73
19.38
EV-to-EBIT 9.17
SAFT's EV-to-EBIT is ranked higher than
74% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.26 vs. SAFT: 9.17 )
SAFT' s 10-Year EV-to-EBIT Range
Min: 3   Max: 45.2
Current: 9.17

3
45.2
PEG 3.80
SAFT's PEG is ranked higher than
75% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 6.07 vs. SAFT: 3.80 )
SAFT' s 10-Year PEG Range
Min: 0.06   Max: 5.99
Current: 3.8

0.06
5.99
Shiller P/E 14.70
SAFT's Shiller P/E is ranked higher than
86% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 21.98 vs. SAFT: 14.70 )
SAFT' s 10-Year Shiller P/E Range
Min: 5.94   Max: 16.08
Current: 14.7

5.94
16.08

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.70
SAFT's Dividend Yield is ranked higher than
87% of the 158 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.45 vs. SAFT: 4.70 )
SAFT' s 10-Year Dividend Yield Range
Min: 1.18   Max: 5.51
Current: 4.7

1.18
5.51
Dividend Payout 0.62
SAFT's Dividend Payout is ranked higher than
76% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.04 vs. SAFT: 0.62 )
SAFT' s 10-Year Dividend Payout Range
Min: 0.08   Max: 1.85
Current: 0.62

0.08
1.85
Dividend growth (3y) 10.10
SAFT's Dividend growth (3y) is ranked higher than
81% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. SAFT: 10.10 )
SAFT' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 43.5
Current: 10.1

0
43.5
Yield on cost (5-Year) 7.81
SAFT's Yield on cost (5-Year) is ranked higher than
92% of the 160 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.15 vs. SAFT: 7.81 )
SAFT' s 10-Year Yield on cost (5-Year) Range
Min: 1.96   Max: 9.16
Current: 7.81

1.96
9.16
Share Buyback Rate -0.70
SAFT's Share Buyback Rate is ranked higher than
68% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. SAFT: -0.70 )
SAFT' s 10-Year Share Buyback Rate Range
Min: 2.4   Max: -161.6
Current: -0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
SAFT's Price/Tangible Book is ranked higher than
81% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.58 vs. SAFT: 1.10 )
SAFT' s 10-Year Price/Tangible Book Range
Min: 0.78   Max: 1.76
Current: 1.1

0.78
1.76
Price/DCF (Projected) 0.60
SAFT's Price/DCF (Projected) is ranked higher than
77% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.77 vs. SAFT: 0.60 )
SAFT' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1
Current: 0.6

0.49
1
Price/Median PS Value 1.10
SAFT's Price/Median PS Value is ranked higher than
74% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.14 vs. SAFT: 1.10 )
SAFT' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 1.26
Current: 1.1

0.27
1.26
Price/Graham Number 0.80
SAFT's Price/Graham Number is ranked higher than
80% of the 200 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.99 vs. SAFT: 0.80 )
SAFT' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.37
Current: 0.8

0.25
1.37
Earnings Yield (Greenblatt) 11.00
SAFT's Earnings Yield (Greenblatt) is ranked higher than
71% of the 192 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. SAFT: 11.00 )
SAFT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 33.4
Current: 11

2.2
33.4
Forward Rate of Return (Yacktman) 11.16
SAFT's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.69 vs. SAFT: 11.16 )
SAFT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.7   Max: 120.3
Current: 11.16

-19.7
120.3

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:SFN.Germany
Safety Insurance Group, Inc. was incorporated under the laws of Delaware on June 25, 2001. The company is a provider of private passenger automobile insurance in Massachusetts. In addition to private passenger automobile insurance, it offers a portfolio of property and casualty insurance products, including commercial automobile, homeowners, dwelling fire, umbrella and business owner policies. The Company operates exclusively in Massachusetts and New Hampshire through its insurance company subsidiaries, Safety Insurance Company, Safety Indemnity Insurance Company and Safety Property and Casualty Insurance Company. It has established strong relationships with independent insurance agents, who numbered 879 in 1,023 locations throughout Massachusetts and New Hampshire during 2012. The Company captured an approximate 11.0% share of the Massachusetts private passenger automobile insurance market, and the third largest commercial automobile carrier, with an 12.4% share of the Massachusetts commercial automobile insurance market in 2012 according to statistics compiled by Commonwealth Automobile Reinsurers.
» More Articles for SAFT

Headlines

Articles On GuruFocus.com
comment on SAFT Apr 25 2013 
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 
Safety Announces Second Quarter 2009 Results and Declares Third Quarter 2009 Dividend Aug 04 2009 

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A.M. Best Upgrades Issuer Credit Rating of Safety Insurance Group, Inc. and Its Subsidiaries Mar 26 2014
SAFETY INSURANCE GROUP INC Files SEC form 10-K, Annual Report Mar 17 2014
Earnings, Revs Rise at Safty Insurance Mar 12 2014
Safety Announces Fourth Quarter and Year End 2013 Results Mar 11 2014
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Mar 11 2014
Safety Declares First Quarter 2014 Dividend and Schedules Year-End 2013 Events Feb 14 2014
Are You Buying This Pullback In Insurance Stocks? Feb 06 2014
Saft Signs Multi-Million Euro Energy Storage Contract for La Réunion Island Jan 14 2014
November 11, 2013 - Safety Insurance Sponsors New Season of WGBH's High School Quiz Show Dec 11 2013
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report Nov 12 2013
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Safety Announces Third Quarter 2013 Results and Declares Fourth Quarter 2013 Dividend Nov 04 2013
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