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Safety Insurance GroupSAFT -0.03%61 EV-to-EBITDA is 12.05 as of Jul. 23, 2026, which is 5% above its 10-year median of 11.44. GuruFocus rates SAFT with a GF Score™ of 61/100 and a GF Value™ of $102.55 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 346 Insurance companies, Safety Insurance Group ranks worse than 72.54% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Safety Insurance Group's enterprise value is $1,071 Mil.
Safety Insurance Group's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $89 Mil. Therefore, Safety Insurance Group's EV-to-EBITDA for today is 12.05.
The historical rank and industry rank for Safety Insurance Group's EV-to-EBITDA or its related term are showing as below:
SAFT'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.94 Med: 11.44 Max: 40.1
Current: 12.05
During the past 13 years, the highest EV-to-EBITDA of Safety Insurance Group was 40.10. The lowest was 4.94. And the median was 11.44.
SAFT's EV-to-EBITDA is ranked worse than 72.54% of 346
companies
in the Insurance industry
Industry Median: 8.255
vs SAFT: 12.05
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Safety Insurance Group (NAS:SAFT) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Safety Insurance Group's PE Ratio (TTM) for today is calculated as:
Safety Insurance Group's share price for today is $72.49.
Safety Insurance Group's 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 $4.230.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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.
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's EV-to-EBITDA falls into.
Safety Insurance Group's current Enterprise Value is $1,071 Mil.
Safety Insurance Group's EBITDA 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 $89 Mil.
* 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 (SAFT) has a EV-to-EBITDA of 12.05 as of Jul. 23, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Safety Insurance Group. This is near median its historical median of 11.44. Over the past decade, Safety Insurance Group's EV-to-EBITDA has ranged from 4.94 to 40.10. According to the industry distribution chart, Safety Insurance Group ranks #251 out of 346 companies in the Insurance industry, placing it in the top 72.5%.
Is Safety Insurance Group's EV-to-EBITDA too high?
Safety Insurance Group's current EV-to-EBITDA of 12.05 is near median its 10-year median of 11.44. Over the past 10 years, this metric has ranged from a low of 4.94 to a high of 40.10. The Insurance industry median EV-to-EBITDA is 8.26. Safety Insurance Group's value of 12.05 is 46% above this industry median. Based on the distribution chart, Safety Insurance Group ranks #251 out of 346 companies in the Insurance industry, which is below the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's EV-to-EBITDA compare to TRUP and ASIC?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #251 out of 346 companies for EV-to-EBITDA. This places Safety Insurance Group in the lower half of its industry. The industry median EV-to-EBITDA is 8.26. Safety Insurance Group's value of 12.05 is 46% above this benchmark. Historically, Safety Insurance Group's own EV-to-EBITDA has ranged from 4.94 to 40.10 over the past decade. While the company's 10-year median is 11.44 vs. the industry median of 8.26, Safety Insurance Group has consistently been above 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 EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.26, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current EV-to-EBITDA of 12.05 is 46% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Safety Insurance Group. For the Insurance industry, the median EV-to-EBITDA is 8.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current EV-to-EBITDA is 12.05, which is near median its own 10-year median of 11.44. 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 Significantly Undervalued. The stock's GF Value™ is $102.55, compared to a current price of $72.49 — trading 29.3% below its estimated fair value. The current EV-to-EBITDA is 12.05, which is near median its 10-year median of 11.44 and 46% above the Insurance industry median of 8.26. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current EV-to-EBITDA is 12.05 as of Jul. 23, 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 $72.49 is trading 29.3% below its estimated GF Value™ of $102.55.
GuruFocus considers Safety Insurance Group to be Significantly Undervalued.
Key valuation signals for SAFT:
EV-to-EBITDA: 12.05 (near median its 10-year median of 11.44)
GF Value™: $102.55 vs. price of $72.49 (29.3% below fair value)
Industry Position: 46% above the Insurance median (#251 of 346)
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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