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Safety Insurance GroupSAFT +0.20%70 EV-to-OCF is 8.75 as of Aug. 03, 2026, which is 22% below its 10-year median of 11.19. GuruFocus rates SAFT with a GF Score™ of 70/100 and a GF Value™ of $102.77 (Fairly Valued). The stock has 9 warning signs investors should review. Among 503 Insurance companies, Safety Insurance Group ranks worse than 59.24% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Safety Insurance Group's Enterprise Value is $1,525 Mil.
Safety Insurance Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $174 Mil. Therefore, Safety Insurance Group's EV-to-OCF for today is 8.75.
The historical rank and industry rank for Safety Insurance Group's EV-to-OCF or its related term are showing as below:
SAFT'
s EV-to-OCF Range Over the Past 10 Years
Min: 5.33 Med: 11.19 Max: 35.27
Current: 8.75
During the past 13 years, the highest EV-to-OCF of Safety Insurance Group was 35.27. The lowest was 5.33. And the median was 11.19.
SAFT's EV-to-OCF is ranked worse than 59.24% of 503
companies
in the Insurance industry
Industry Median: 6.87
vs SAFT: 8.75
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NAS:SAFT) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $103.45.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's EV-to-OCF falls into.
Safety Insurance Group's current Enterprise Value is $1,525 Mil.
Safety Insurance Group's Cash Flow from Operations 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 $174 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-OCF of 8.75 as of Aug. 03, 2026. This is 22% below median its historical median of 11.19. Over the past decade, Safety Insurance Group's EV-to-OCF has ranged from 5.33 to 35.27. According to the industry distribution chart, Safety Insurance Group ranks #298 out of 503 companies in the Insurance industry, placing it in the top 59.2%.
Is Safety Insurance Group's EV-to-OCF too high?
Safety Insurance Group's current EV-to-OCF of 8.75 is 22% below median its 10-year median of 11.19. Over the past 10 years, this metric has ranged from a low of 5.33 to a high of 35.27. The Insurance industry median EV-to-OCF is 6.87. Safety Insurance Group's value of 8.75 is 27.4% above this industry median. Based on the distribution chart, Safety Insurance Group ranks #298 out of 503 companies in the Insurance industry, which is below the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's EV-to-OCF compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #298 out of 503 companies for EV-to-OCF. This places Safety Insurance Group in the lower half of its industry. The industry median EV-to-OCF is 6.87. Safety Insurance Group's value of 8.75 is 27.4% above this benchmark. Historically, Safety Insurance Group's own EV-to-OCF has ranged from 5.33 to 35.27 over the past decade. While the company's 10-year median is 11.19 vs. the industry median of 6.87, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.87, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current EV-to-OCF of 8.75 is 27.4% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current EV-to-OCF is 8.75, which is 22% below median its own 10-year median of 11.19. 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 $102.77, compared to a current price of $103.45 — trading 0.7% above its estimated fair value. The current EV-to-OCF is 8.75, which is 22% below median its 10-year median of 11.19 and 27.4% above the Insurance industry median of 6.87. Safety Insurance Group's overall GF Score™ is 70/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current EV-to-OCF is 8.75 as of Aug. 03, 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 $103.45 is trading 0.7% above its estimated GF Value™ of $102.77.
GuruFocus considers Safety Insurance Group to be Fairly Valued.
Key valuation signals for SAFT:
EV-to-OCF: 8.75 (22% below median its 10-year median of 11.19)
GF Value™: $102.77 vs. price of $103.45 (0.7% above fair value)
Industry Position: 27.4% above the Insurance median (#298 of 503)
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.
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