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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 : 8/10

vs
industry
vs
history
Cash to Debt No Debt
SAFT's Cash to Debt is ranked higher than
84% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. SAFT: No Debt )
SAFT' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: No Debt

Equity to Asset 0.42
SAFT's Equity to Asset is ranked higher than
91% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. SAFT: 0.42 )
SAFT' s 10-Year Equity to Asset Range
Min: 0.13   Max: 0.45
Current: 0.42

0.13
0.45
Interest Coverage 985.26
SAFT's Interest Coverage is ranked higher than
78% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 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: 7
Z-Score: 1.69
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 : 7/10

vs
industry
vs
history
Operating margin (%) 11.11
SAFT's Operating margin (%) is ranked higher than
73% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. SAFT: 11.11 )
SAFT' s 10-Year Operating margin (%) Range
Min: 2.16   Max: 24.18
Current: 11.11

2.16
24.18
Net-margin (%) 7.85
SAFT's Net-margin (%) is ranked higher than
71% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. SAFT: 7.85 )
SAFT' s 10-Year Net-margin (%) Range
Min: 1.75   Max: 107.56
Current: 7.85

1.75
107.56
ROE (%) 8.65
SAFT's ROE (%) is ranked higher than
68% of the 214 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. SAFT: 8.65 )
SAFT' s 10-Year ROE (%) Range
Min: 2.09   Max: 69.36
Current: 8.65

2.09
69.36
ROA (%) 3.70
SAFT's ROA (%) is ranked higher than
79% of the 215 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. SAFT: 3.70 )
SAFT' s 10-Year ROA (%) Range
Min: 0.94   Max: 13.19
Current: 3.7

0.94
13.19
Revenue Growth (%) 6.00
SAFT's Revenue Growth (%) is ranked higher than
72% of the 193 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 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
65% of the 193 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
66% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 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

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
Q2 2014

SAFT Guru Trades in Q2 2014

Jim Simons 6,600 sh (New)
Chuck Royce 700 sh (unchged)
» More
Q3 2014

SAFT Guru Trades in Q3 2014

Jim Simons 25,786 sh (+290.7%)
Chuck Royce 700 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with SAFT

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Whitney Tilson 2013-06-30 Sold Out 0.59%$47.34 - $53.68 $ 62.324%0
Whitney Tilson 2012-12-31 Reduce -20.57%0.1%$43.17 - $47.76 $ 62.337%13900
Whitney Tilson 2012-06-30 New Buy0.6%$39.65 - $42.48 $ 62.353%17500
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.70
SAFT's P/E(ttm) is ranked higher than
67% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.80 vs. SAFT: 15.70 )
SAFT' s 10-Year P/E(ttm) Range
Min: 5.1   Max: 49.78
Current: 15.7

5.1
49.78
P/B 1.30
SAFT's P/B is ranked higher than
74% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.33 vs. SAFT: 1.30 )
SAFT' s 10-Year P/B Range
Min: 0.76   Max: 2.01
Current: 1.3

0.76
2.01
P/S 1.20
SAFT's P/S is ranked higher than
74% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.20 vs. SAFT: 1.20 )
SAFT' s 10-Year P/S Range
Min: 0.44   Max: 1.3
Current: 1.2

0.44
1.3
PFCF 8.80
SAFT's PFCF is ranked higher than
81% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.10 vs. SAFT: 8.80 )
SAFT' s 10-Year PFCF Range
Min: 2.73   Max: 19.38
Current: 8.8

2.73
19.38
EV-to-EBIT 10.34
SAFT's EV-to-EBIT is ranked higher than
70% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.77 vs. SAFT: 10.34 )
SAFT' s 10-Year EV-to-EBIT Range
Min: 3   Max: 45.2
Current: 10.34

3
45.2
PEG 4.37
SAFT's PEG is ranked higher than
82% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SAFT: 4.37 )
SAFT' s 10-Year PEG Range
Min: 0.07   Max: 5.99
Current: 4.37

0.07
5.99
Shiller P/E 18.10
SAFT's Shiller P/E is ranked higher than
81% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.87 vs. SAFT: 18.10 )
SAFT' s 10-Year Shiller P/E Range
Min: 5.94   Max: 18.06
Current: 18.1

5.94
18.06

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.20
SAFT's Dividend Yield is ranked higher than
77% of the 180 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.55 vs. SAFT: 4.20 )
SAFT' s 10-Year Dividend Yield Range
Min: 1.18   Max: 5.51
Current: 4.2

1.18
5.51
Dividend Payout 0.63
SAFT's Dividend Payout is ranked higher than
59% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. SAFT: 0.63 )
SAFT' s 10-Year Dividend Payout Range
Min: 0.08   Max: 1.85
Current: 0.63

0.08
1.85
Dividend growth (3y) 10.10
SAFT's Dividend growth (3y) is ranked higher than
84% of the 148 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.30 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) 6.98
SAFT's Yield on cost (5-Year) is ranked higher than
80% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. SAFT: 6.98 )
SAFT' s 10-Year Yield on cost (5-Year) Range
Min: 1.96   Max: 9.16
Current: 6.98

1.96
9.16
Share Buyback Rate -0.70
SAFT's Share Buyback Rate is ranked higher than
71% of the 169 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 1.29
SAFT's Price/Tangible Book is ranked higher than
80% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.63 vs. SAFT: 1.29 )
SAFT' s 10-Year Price/Tangible Book Range
Min: 0.78   Max: 1.76
Current: 1.29

0.78
1.76
Price/DCF (Projected) 0.72
SAFT's Price/DCF (Projected) is ranked higher than
80% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.87 vs. SAFT: 0.72 )
SAFT' s 10-Year Price/DCF (Projected) Range
Min: 0.49   Max: 1.54
Current: 0.72

0.49
1.54
Price/Median PS Value 1.26
SAFT's Price/Median PS Value is ranked higher than
66% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.12 vs. SAFT: 1.26 )
SAFT' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 1.24
Current: 1.26

0.27
1.24
Price/Peter Lynch Fair Value 2.30
SAFT's Price/Peter Lynch Fair Value is ranked higher than
87% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. SAFT: 2.30 )
SAFT' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.25   Max: 2.05
Current: 2.3

0.25
2.05
Price/Graham Number 0.93
SAFT's Price/Graham Number is ranked higher than
76% of the 220 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. SAFT: 0.93 )
SAFT' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 1.37
Current: 0.93

0.25
1.37
Earnings Yield (Greenblatt) 9.40
SAFT's Earnings Yield (Greenblatt) is ranked higher than
69% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. SAFT: 9.40 )
SAFT' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.2   Max: 33.4
Current: 9.4

2.2
33.4
Forward Rate of Return (Yacktman) 14.78
SAFT's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 156 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.44 vs. SAFT: 14.78 )
SAFT' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -25.8   Max: 93.5
Current: 14.78

-25.8
93.5

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 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.
» More Articles for NAS:SAFT

Headlines

Articles On GuruFocus.com
A High Dividend Yield, But a Sell Recommendation for Safety Insurance Group Oct 08 2014 
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 

More From Other Websites
SAFETY INSURANCE GROUP INC Financials Nov 21 2014
10-Q for Safety Insurance Group, Inc. Nov 09 2014
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report Nov 07 2014
Safety Insurance downgraded by Compass Point Nov 05 2014
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Nov 04 2014
Safety Announces Third Quarter 2014 Results and Declares Fourth Quarter 2014 Dividend Nov 04 2014
Ranking P&C Reserving Conservatism Aug 20 2014
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report Aug 08 2014
Safety Announces Second Quarter 2014 Results and Raises Third Quarter 2014 Dividend Aug 06 2014
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Results... Aug 06 2014
Safety Insurance 507K share Block Trade priced at $49.00 Jun 05 2014
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 23 2014
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report May 12 2014
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition, Change... May 06 2014
Safety Announces First Quarter 2014 Results and Declares Second Quarter 2014 Dividend May 06 2014
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

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