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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
99% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.21 vs. SAFT: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SAFT' s 10-Year Cash to Debt Range
Min: 0.3  Med: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.38
SAFT's Equity to Asset is ranked higher than
76% of the 127 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 10-Year Equity to Asset Range
Min: 0.13  Med: 0.41 Max: 0.45
Current: 0.38
0.13
0.45
Interest Coverage 925.76
SAFT's Interest Coverage is ranked higher than
59% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. SAFT: 925.76 )
Ranked among companies with meaningful Interest Coverage only.
SAFT' s 10-Year Interest Coverage Range
Min: 12.93  Med: 551.07 Max: 1913.79
Current: 925.76
12.93
1913.79
F-Score: 6
WACC vs ROIC
10.13%
1.82%
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 : 7/10

vs
industry
vs
history
Operating margin (%) 0.53
SAFT's Operating margin (%) is ranked lower than
88% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.19 vs. SAFT: 0.53 )
Ranked among companies with meaningful Operating margin (%) only.
SAFT' s 10-Year Operating margin (%) Range
Min: 2.16  Med: 11.57 Max: 24.18
Current: 0.53
2.16
24.18
Net-margin (%) 1.55
SAFT's Net-margin (%) is ranked lower than
84% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.39 vs. SAFT: 1.55 )
Ranked among companies with meaningful Net-margin (%) only.
SAFT' s 10-Year Net-margin (%) Range
Min: 1.75  Med: 8.23 Max: 107.56
Current: 1.55
1.75
107.56
ROE (%) 1.74
SAFT's ROE (%) is ranked lower than
87% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.91 vs. SAFT: 1.74 )
Ranked among companies with meaningful ROE (%) only.
SAFT' s 10-Year ROE (%) Range
Min: 2.09  Med: 9.67 Max: 69.36
Current: 1.74
2.09
69.36
ROA (%) 0.73
SAFT's ROA (%) is ranked lower than
81% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. SAFT: 0.73 )
Ranked among companies with meaningful ROA (%) only.
SAFT' s 10-Year ROA (%) Range
Min: 0.94  Med: 3.82 Max: 13.19
Current: 0.73
0.94
13.19
Revenue Growth (3Y)(%) 5.60
SAFT's Revenue Growth (3Y)(%) is ranked lower than
57% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.40 vs. SAFT: 5.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SAFT' s 10-Year Revenue Growth (3Y)(%) Range
Min: -63.5  Med: -0.15 Max: 31.9
Current: 5.6
-63.5
31.9
EBITDA Growth (3Y)(%) 51.10
SAFT's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 85 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.30 vs. SAFT: 51.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SAFT' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -55.6  Med: -3.90 Max: 51.5
Current: 51.1
-55.6
51.5
EPS Growth (3Y)(%) 63.20
SAFT's EPS Growth (3Y)(%) is ranked higher than
84% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.40 vs. SAFT: 63.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SAFT' s 10-Year EPS Growth (3Y)(%) Range
Min: -59  Med: -4.50 Max: 63.2
Current: 63.2
-59
63.2
» SAFT's 10-Y Financials

Financials


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

» Details

Guru Trades

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 (+290.70%)
Chuck Royce 700 sh (unchged)
» More
Q4 2014

SAFT Guru Trades in Q4 2014

Jim Simons 38,928 sh (+50.97%)
Chuck Royce 700 sh (unchged)
» More
Q1 2015

SAFT Guru Trades in Q1 2015

Jim Simons 62,157 sh (+59.67%)
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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 77.33
SAFT's P/E(ttm) is ranked lower than
99% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. SAFT: 77.33 )
Ranked among companies with meaningful P/E(ttm) only.
SAFT' s 10-Year P/E(ttm) Range
Min: 5.1  Med: 10.49 Max: 80.23
Current: 77.33
5.1
80.23
Forward P/E 15.20
SAFT's Forward P/E is ranked lower than
78% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.94 vs. SAFT: 15.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 79.00
SAFT's PE(NRI) is ranked lower than
99% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.30 vs. SAFT: 79.00 )
Ranked among companies with meaningful PE(NRI) only.
SAFT' s 10-Year PE(NRI) Range
Min: 5.1  Med: 10.50 Max: 80.01
Current: 79
5.1
80.01
P/B 1.30
SAFT's P/B is ranked lower than
56% of the 123 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. SAFT: 1.30 )
Ranked among companies with meaningful P/B only.
SAFT' s 10-Year P/B Range
Min: 0.76  Med: 1.10 Max: 2.01
Current: 1.3
0.76
2.01
P/S 1.11
SAFT's P/S is ranked higher than
50% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.13 vs. SAFT: 1.11 )
Ranked among companies with meaningful P/S only.
SAFT' s 10-Year P/S Range
Min: 0.53  Med: 0.99 Max: 1.3
Current: 1.11
0.53
1.3
PFCF 9.36
SAFT's PFCF is ranked higher than
56% of the 86 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. SAFT: 9.36 )
Ranked among companies with meaningful PFCF only.
SAFT' s 10-Year PFCF Range
Min: 2.94  Med: 8.21 Max: 19.38
Current: 9.36
2.94
19.38
POCF 9.20
SAFT's POCF is ranked higher than
50% of the 105 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.17 vs. SAFT: 9.20 )
Ranked among companies with meaningful POCF only.
SAFT' s 10-Year POCF Range
Min: 2.92  Med: 7.98 Max: 17.29
Current: 9.2
2.92
17.29
EV-to-EBIT 205.19
SAFT's EV-to-EBIT is ranked lower than
99% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.35 vs. SAFT: 205.19 )
Ranked among companies with meaningful EV-to-EBIT only.
SAFT' s 10-Year EV-to-EBIT Range
Min: 3  Med: 6.40 Max: 208.6
Current: 205.19
3
208.6
PEG 12.95
SAFT's PEG is ranked lower than
98% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. SAFT: 12.95 )
Ranked among companies with meaningful PEG only.
SAFT' s 10-Year PEG Range
Min: 0.07  Med: 0.52 Max: 5.96
Current: 12.95
0.07
5.96
Shiller P/E 19.82
SAFT's Shiller P/E is ranked lower than
65% of the 94 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.59 vs. SAFT: 19.82 )
Ranked among companies with meaningful Shiller P/E only.
SAFT' s 10-Year Shiller P/E Range
Min: 5.9  Med: 9.13 Max: 20.55
Current: 19.82
5.9
20.55
Days Sales Outstanding 82.30
SAFT's Days Sales Outstanding is ranked higher than
53% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 86.93 vs. SAFT: 82.30 )
Ranked among companies with meaningful Days Sales Outstanding only.
SAFT' s 10-Year Days Sales Outstanding Range
Min: 79.03  Med: 84.72 Max: 86.81
Current: 82.3
79.03
86.81

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.86
SAFT's Dividend Yield is ranked higher than
68% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.95 vs. SAFT: 4.86 )
Ranked among companies with meaningful Dividend Yield only.
SAFT' s 10-Year Dividend Yield Range
Min: 1.18  Med: 4.23 Max: 5.51
Current: 4.86
1.18
5.51
Dividend Payout 3.32
SAFT's Dividend Payout is ranked lower than
100% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.33 vs. SAFT: 3.32 )
Ranked among companies with meaningful Dividend Payout only.
SAFT' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.38 Max: 1.85
Current: 3.32
0.08
1.85
Dividend growth (3y) 9.10
SAFT's Dividend growth (3y) is ranked higher than
51% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.10 vs. SAFT: 9.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
SAFT' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 9.60 Max: 43.5
Current: 9.1
0
43.5
Yield on cost (5-Year) 7.90
SAFT's Yield on cost (5-Year) is ranked higher than
82% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.46 vs. SAFT: 7.90 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SAFT' s 10-Year Yield on cost (5-Year) Range
Min: 1.92  Med: 6.87 Max: 8.95
Current: 7.9
1.92
8.95

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
SAFT's Price/Tangible Book is ranked higher than
56% of the 121 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. SAFT: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
SAFT' s 10-Year Price/Tangible Book Range
Min: 0.78  Med: 1.05 Max: 1.76
Current: 1.31
0.78
1.76
Price/Projected FCF 0.65
SAFT's Price/Projected FCF is ranked higher than
58% of the 91 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. SAFT: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
SAFT' s 10-Year Price/Projected FCF Range
Min: 0.5  Med: 0.92 Max: 1.54
Current: 0.65
0.5
1.54
Price/Median PS Value 1.12
SAFT's Price/Median PS Value is ranked lower than
58% of the 125 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.07 vs. SAFT: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
SAFT' s 10-Year Price/Median PS Value Range
Min: 0.26  Med: 0.97 Max: 1.27
Current: 1.12
0.26
1.27
Price/Graham Number 2.04
SAFT's Price/Graham Number is ranked lower than
94% of the 109 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. SAFT: 2.04 )
Ranked among companies with meaningful Price/Graham Number only.
SAFT' s 10-Year Price/Graham Number Range
Min: 0.25  Med: 0.71 Max: 2.11
Current: 2.04
0.25
2.11
Earnings Yield (Greenblatt) (%) 0.50
SAFT's Earnings Yield (Greenblatt) (%) is ranked lower than
86% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.30 vs. SAFT: 0.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SAFT' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 15.50 Max: 33.4
Current: 0.5
0.5
33.4
Forward Rate of Return (Yacktman) (%) 8.12
SAFT's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 15.24 vs. SAFT: 8.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SAFT' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -25.8  Med: 3.40 Max: 93.5
Current: 8.12
-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 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 Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 21 2015
SAFETY INSURANCE GROUP INC Financials May 15 2015
10-Q for Safety Insurance Group, Inc. May 10 2015
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report May 08 2015
Safety Insurance reports 1Q loss May 05 2015
Safety Insurance reports 1Q loss May 05 2015
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition, Change... May 05 2015
Safety Announces First Quarter 2015 Results and Declares Second Quarter 2015 Dividend May 05 2015
10 High-Yield Small-Cap Dividend Stocks Investors Should Consider Right Now Apr 21 2015
A.M. Best Affirms Ratings of Safety Group, Subsidiaries - Analyst Blog Apr 15 2015
A.M. Best Affirms Ratings of Safety Insurance Group, Inc. and Its Subsidiaries Apr 14 2015
SAFETY INSURANCE GROUP INC Files SEC form 10-K, Annual Report Mar 02 2015
February 24, 2015 - Safety Announces Fourth Quarter and Year End 2014 Results Feb 24 2015
Safety Insurance posts 4Q profit Feb 24 2015
Safety Insurance posts 4Q profit Feb 24 2015
SAFETY INSURANCE GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 24 2015
Safety Announces Fourth Quarter and Year End 2014 Results Feb 24 2015
February 17, 2015 - Safety Declares First Quarter 2015 Dividend and Schedules Year-End 2014 Events Feb 18 2015
Safety Declares First Quarter 2015 Dividend and Schedules Year-End 2014 Events Feb 17 2015
SAFETY INSURANCE GROUP INC Files SEC form 10-Q, Quarterly Report Nov 07 2014

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