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Safety Insurance GroupSAFT +0.11%61 Debt-to-EBITDA is 0.65 as of Jun. 2026, which is 41% above its 10-year median of 0.46. GuruFocus rates SAFT with a GF Score™ of 61/100 and a GF Value™ of $97.78 (Fairly Valued). The stock has 9 warning signs investors should review. Among 312 Insurance companies, Safety Insurance Group ranks better than 67.31% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Safety Insurance Group's Debt-to-EBITDA or its related term are showing as below:
SAFT'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.26 Med: 0.46 Max: 1.55
Current: 0.63
During the past 13 years, the highest Debt-to-EBITDA Ratio of Safety Insurance Group was 1.55. The lowest was 0.26. And the median was 0.46.
SAFT's Debt-to-EBITDA is ranked better than 67.31% of 312
companies
in the Insurance industry
Industry Median: 1.23
vs SAFT: 0.63
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Safety Insurance Group Debt-to-EBITDA Related Terms
Safety Insurance Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Safety Insurance Group's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SAFT vs KMPR, UFCS, HGTY: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Safety Insurance Group Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Safety Insurance Group (SAFT) has a Debt-to-EBITDA of 0.65 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Safety Insurance Group. This is 41% above median its historical median of 0.46. Over the past decade, Safety Insurance Group's Debt-to-EBITDA has ranged from 0.26 to 1.55. According to the industry distribution chart, Safety Insurance Group ranks #102 out of 312 companies in the Insurance industry, placing it in the top 32.7%.
Is Safety Insurance Group's Debt-to-EBITDA too high?
Safety Insurance Group's current Debt-to-EBITDA of 0.65 is 41% above median its 10-year median of 0.46. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.55. The Insurance industry median Debt-to-EBITDA is 1.23. Safety Insurance Group's value of 0.65 is 47.2% below this industry median. Based on the distribution chart, Safety Insurance Group ranks #102 out of 312 companies in the Insurance industry, which is above the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's Debt-to-EBITDA compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #102 out of 312 companies for Debt-to-EBITDA. This puts Safety Insurance Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.23. Safety Insurance Group's value of 0.65 is 47.2% below this benchmark. Historically, Safety Insurance Group's own Debt-to-EBITDA has ranged from 0.26 to 1.55 over the past decade. While the company's 10-year median is 0.46 vs. the industry median of 1.23, Safety Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.23, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current Debt-to-EBITDA of 0.65 is 47.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Safety Insurance Group. For the Insurance industry, the median Debt-to-EBITDA is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current Debt-to-EBITDA is 0.65, which is 41% above median its own 10-year median of 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Safety Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Safety Insurance Group (SAFT) is currently considered Fairly Valued. The stock's GF Value™ is $97.78, compared to a current price of $103.75 — trading 6.1% above its estimated fair value. The current Debt-to-EBITDA is 0.65, which is 41% above median its 10-year median of 0.46 and 47.2% below the Insurance industry median of 1.23. Safety Insurance Group's overall GF Score™ is 61/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current Debt-to-EBITDA is 0.65 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Safety Insurance Group (SAFT) Overvalued in 2026?
Based on GuruFocus' analysis, Safety Insurance Group stock appears to be overvalued.
The current stock price of $103.75 is trading 6.1% above its estimated GF Value™ of $97.78.
GuruFocus considers Safety Insurance Group to be Fairly Valued.
Key valuation signals for SAFT:
Debt-to-EBITDA: 0.65 (41% above median its 10-year median of 0.46)
GF Value™: $97.78 vs. price of $103.75 (6.1% above fair value)
Industry Position: 47.2% below the Insurance median (#102 of 312)
No single metric tells the full story. See the SAFT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Safety Insurance Group Inc. is a property and casualty insurance holding company operating primarily through its subsidiary, Safety Insurance Company. The company focuses on personal lines insurance, offering private passenger automobile, homeowners, dwelling fire, and umbrella policies, along with commercial lines products such as commercial automobile and business owner policies. It also provides ancillary coverages including inland marine and watercraft. Safety Insurance distributes its products through a network of independent insurance agents, primarily in Massachusetts, where it maintains a leading market position, and also writes business in neighboring New England states including New Hampshire, Maine, and Vermont. Revenue is generated mainly through premiums written on its insurance policies, supplemented by investment income from its portfolio of fixed-maturity and equity securities. The company operates as a single reportable segment, property and casualty insurance operations.
61GF Score
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