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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
97% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.25 vs. SAFT: No Debt )
SAFT' s 10-Year Cash to Debt Range
Min: 0.65   Max: No Debt
Current: No Debt

Equity to Asset 0.43
SAFT's Equity to Asset is ranked higher than
92% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.24 vs. SAFT: 0.43 )
SAFT' s 10-Year Equity to Asset Range
Min: 0.15   Max: 0.45
Current: 0.43

0.15
0.45
Interest Coverage 985.26
SAFT's Interest Coverage is ranked higher than
81% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.35 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: 3
Z-Score: 1.66
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
73% of the 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 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 188 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.52 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
68% of the 189 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.24 vs. SAFT: 8.83 )
SAFT' s 10-Year ROE (%) Range
Min: 2.09   Max: 84.79
Current: 8.83

2.09
84.79
ROA (%) 3.77
SAFT's ROA (%) is ranked higher than
84% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.60 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
67% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 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 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.80 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
64% of the 162 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.10 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

Q1 2013

SAFT Guru Trades in Q1 2013

Chuck Royce 700 sh (New)
Steven Cohen 4,882 sh (New)
Whitney Tilson 13,900 sh (unchged)
» More
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
» 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) 13.50
SAFT's P/E(ttm) is ranked higher than
50% of the 166 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. SAFT: 13.50 )
SAFT' s 10-Year P/E(ttm) Range
Min: 5.1   Max: 49.78
Current: 13.5

5.1
49.78
P/B 1.20
SAFT's P/B is ranked higher than
64% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. SAFT: 1.20 )
SAFT' s 10-Year P/B Range
Min: 0.76   Max: 2.01
Current: 1.2

0.76
2.01
P/S 1.10
SAFT's P/S is ranked higher than
62% of the 190 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. SAFT: 1.10 )
SAFT' s 10-Year P/S Range
Min: 0.26   Max: 1.3
Current: 1.1

0.26
1.3
PFCF 7.80
SAFT's PFCF is ranked higher than
62% of the 154 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.50 vs. SAFT: 7.80 )
SAFT' s 10-Year PFCF Range
Min: 2.73   Max: 19.38
Current: 7.8

2.73
19.38
EV-to-EBIT 9.30
SAFT's EV-to-EBIT is ranked higher than
62% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.50 vs. SAFT: 9.30 )
SAFT' s 10-Year EV-to-EBIT Range
Min: 3   Max: 45.2
Current: 9.3

3
45.2
PEG 3.80
SAFT's PEG is ranked lower than
63% of the 102 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.90 vs. SAFT: 3.80 )
SAFT' s 10-Year PEG Range
Min: 0.06   Max: 3.8
Current: 3.8

0.06
3.8
Shiller P/E 15.40
SAFT's Shiller P/E is ranked higher than
65% of the 133 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.90 vs. SAFT: 15.40 )
SAFT' s 10-Year Shiller P/E Range
Min: 5.94   Max: 15.85
Current: 15.4

5.94
15.85

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.40
SAFT's Dividend Yield is ranked higher than
82% of the 150 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.51 vs. SAFT: 4.40 )
SAFT' s 10-Year Dividend Yield Range
Min: 0.89   Max: 5.51
Current: 4.4

0.89
5.51
Dividend Payout 0.60
SAFT's Dividend Payout is ranked lower than
54% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. SAFT: 0.60 )
SAFT' s 10-Year Dividend Payout Range
Min: 0.1   Max: 2.22
Current: 0.6

0.1
2.22
Dividend growth (3y) 10.10
SAFT's Dividend growth (3y) is ranked higher than
77% of the 110 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) 7.31
SAFT's Yield on cost (5-Year) is ranked higher than
91% of the 152 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.14 vs. SAFT: 7.31 )
SAFT' s 10-Year Yield on cost (5-Year) Range
Min: 1.48   Max: 9.16
Current: 7.31

1.48
9.16
Share Buyback Rate -0.70
SAFT's Share Buyback Rate is ranked higher than
66% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.10 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 1.20
SAFT's Price/Tangible Book is ranked higher than
66% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.40 vs. SAFT: 1.20 )
SAFT' s 10-Year Price/Tangible Book Range
Min: 0.88   Max: 1.64
Current: 1.2

0.88
1.64
Price/DCF (Projected) 0.70
SAFT's Price/DCF (Projected) is ranked higher than
50% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. SAFT: 0.70 )
SAFT' s 10-Year Price/DCF (Projected) Range
Min: 0.57   Max: 0.91
Current: 0.7

0.57
0.91
Price/Median PS Value 1.20
SAFT's Price/Median PS Value is ranked lower than
53% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.00 vs. SAFT: 1.20 )
SAFT' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.26
Current: 1.2

0.4
1.26
Price/Graham Number 0.80
SAFT's Price/Graham Number is ranked higher than
67% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.80 vs. SAFT: 0.80 )
SAFT' s 10-Year Price/Graham Number Range
Min: 0.56   Max: 1.37
Current: 0.8

0.56
1.37
Earnings Yield (Greenblatt) 10.70
SAFT's Earnings Yield (Greenblatt) is ranked higher than
65% of the 184 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.40 vs. SAFT: 10.70 )
SAFT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 33.4
Current: 10.7

2.2
33.4
Forward Rate of Return (Yacktman) 7.14
SAFT's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 143 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.76 vs. SAFT: 7.14 )
SAFT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -19.7   Max: 120.3
Current: 7.14

-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.

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