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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: 0.69
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 66.56% of 320
companies
in the Insurance industry
Industry Median: 1.19
vs SAFT: 0.69
Safety Insurance Group (NAS:SAFT) Debt-to-EBITDA Explanation
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 TRUP, ASIC, UVE: 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 (Mar. 2026) EBITDA data.
Safety Insurance Group (SAFT) has a Debt-to-EBITDA of -0.96 as of Mar. 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. 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 #107 out of 320 companies in the Insurance industry, placing it in the top 33.4%.
Is Safety Insurance Group's Debt-to-EBITDA too high?
Safety Insurance Group's current Debt-to-EBITDA is -0.96. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.55. Based on the distribution chart, Safety Insurance Group ranks #107 out of 320 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's Debt-to-EBITDA compare to TRUP and ASIC?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #107 out of 320 companies for Debt-to-EBITDA. This puts Safety Insurance Group in the upper half of its industry. The industry median Debt-to-EBITDA is 1.19. Historically, Safety Insurance Group's own Debt-to-EBITDA has ranged from 0.26 to 1.55 over the past decade. 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 1.19, based on 320 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. 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 1.19 — 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 -0.96. 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 Modestly Undervalued. The stock's GF Value™ is $102.15, compared to a current price of $74.18 — trading 27.4% below its estimated fair value. The current Debt-to-EBITDA is -0.96. Safety Insurance Group's overall GF Score™ is 61/100 with 5 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 -0.96 as of Mar. 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 undervalued.
The current stock price of $74.18 is trading 27.4% below its estimated GF Value™ of $102.15.
GuruFocus considers Safety Insurance Group to be Modestly Undervalued.
Key valuation signals for SAFT:
Debt-to-EBITDA: -0.96
GF Value™: $102.15 vs. price of $74.18 (27.4% below fair value)
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 provider of private passenger automobile, commercial automobile, and homeowners insurance in Massachusetts. The company also offers property and casualty insurance products, including commercial automobiles, homeowners, dwelling fire, umbrella, and business owner policies. The company operates in the business segment of Property and casualty insurance operations.
61GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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