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During the past 12 months, Safety Insurance Group's average EBITDA Per Share Growth Rate was -13.10% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 26.40% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -10.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of Safety Insurance Group was 51.60% per year. The lowest was -55.60% per year. And the median was -0.40% per year.
Safety Insurance Group (NAS:SAFT) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Safety Insurance Group 3-Year EBITDA Growth Rate Related Terms
SAFT vs KMPR, UFCS, PRCH: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's 3-Year EBITDA Growth Rate falls into.
Safety Insurance Group 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 26.40% mean?
Safety Insurance Group (SAFT) has a 3-Year EBITDA Growth Rate of 26.40% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Safety Insurance Group and its competitors. According to the industry distribution chart, Safety Insurance Group ranks #102 out of 293 companies in the Insurance industry, placing it in the top 34.8%.
Is Safety Insurance Group's 3-Year EBITDA Growth Rate too high?
Safety Insurance Group's current 3-Year EBITDA Growth Rate is 26.40%. The Insurance industry median 3-Year EBITDA Growth Rate is 16.90. Safety Insurance Group's value of 26.40% is 56.2% above this industry median. Based on the distribution chart, Safety Insurance Group ranks #102 out of 293 companies in the Insurance industry, which is above the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's 3-Year EBITDA Growth Rate compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #102 out of 293 companies for 3-Year EBITDA Growth Rate. This puts Safety Insurance Group in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.90. Safety Insurance Group's value of 26.40% is 56.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.90, based on 293 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current 3-Year EBITDA Growth Rate of 26.40% is 56.2% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Safety Insurance Group and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current 3-Year EBITDA Growth Rate is 26.40%. 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 $103.25, compared to a current price of $103.75 — trading 0.5% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 26.40% and 56.2% above the Insurance industry median of 16.90. Safety Insurance Group's overall GF Score™ is 75/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current 3-Year EBITDA Growth Rate is 26.40% 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 $103.75 is trading 0.5% above its estimated GF Value™ of $103.25.
GuruFocus considers Safety Insurance Group to be Fairly Valued.
Key valuation signals for SAFT:
3-Year EBITDA Growth Rate: 26.40%
GF Value™: $103.25 vs. price of $103.75 (0.5% above fair value)
Industry Position: 56.2% above the Insurance median (#102 of 293)
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.
75GF Score
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