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During the past 12 months, Safety Insurance Group's average EPS without NRIGrowth Rate was -17.30% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 4.20% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was -14.50% per year.
During the past 13 years, Safety Insurance Group's highest 3-Year average EPS without NRI Growth Rate was 63.20% per year. The lowest was -59.00% per year. And the median was 0.70% per year.
Safety Insurance Group (NAS:SAFT) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Safety Insurance Group Earnings per Share (Diluted) Related Terms
Safety Insurance Group Earnings per Share (Diluted) Historical Data
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The historical data trend for Safety Insurance Group's Earnings per Share (Diluted) 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.
Safety Insurance Group Earnings per Share (Diluted) Chart
SAFT vs KMPR, UFCS, PRCH: Earnings per Share (Diluted) Comparison
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's PE Ratio distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's PE Ratio falls into.
Safety Insurance Group Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Safety Insurance Group's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.64
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $4.64 mean?
Safety Insurance Group (SAFT) has a Earnings per Share (Diluted) of $4.64 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Safety Insurance Group and its competitors. According to the industry distribution chart, Safety Insurance Group ranks #289 out of 402 companies in the Insurance industry, placing it in the top 71.9%.
Is Safety Insurance Group's Earnings per Share (Diluted) too high?
Safety Insurance Group's current Earnings per Share (Diluted) is $4.64. The Insurance industry median Earnings per Share (Diluted) is 16.35. Safety Insurance Group's value of $4.64 is 71.6% below this industry median. Based on the distribution chart, Safety Insurance Group ranks #289 out of 402 companies in the Insurance industry, which is below the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's Earnings per Share (Diluted) compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #289 out of 402 companies for Earnings per Share (Diluted). This places Safety Insurance Group in the lower half of its industry. The industry median Earnings per Share (Diluted) is 16.35. Safety Insurance Group's value of $4.64 is 71.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for an Insurance company?
The median Earnings per Share (Diluted) among Insurance companies is 16.35, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current Earnings per Share (Diluted) of $4.64 is 71.6% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Safety Insurance Group and its competitors. For the Insurance industry, the median Earnings per Share (Diluted) is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current Earnings per Share (Diluted) is $4.64. 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 $103.34, compared to a current price of $103.52 — trading 0.2% above its estimated fair value. The current Earnings per Share (Diluted) is $4.64 and 71.6% below the Insurance industry median of 16.35. Safety Insurance Group's overall GF Score™ is 74/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current Earnings per Share (Diluted) is $4.64 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 overvalued.
The current stock price of $103.52 is trading 0.2% above its estimated GF Value™ of $103.34.
GuruFocus considers Safety Insurance Group to be Fairly Valued.
Key valuation signals for SAFT:
Earnings per Share (Diluted): $4.64
GF Value™: $103.34 vs. price of $103.52 (0.2% above fair value)
Industry Position: 71.6% below the Insurance median (#289 of 402)
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.
74GF Score
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