Safety Insurance GroupFRA:SFN -0.77%66 EV-to-FCF is 6.91 as of Jul. 03, 2026, which is 43% below its 10-year median of 12.03. GuruFocus rates FRA:SFN with a GF Score™ of 66/100 and a GF Value™ of €84.44 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 395 Insurance companies, Safety Insurance Group ranks better than 63.04% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Safety Insurance Group's Enterprise Value is €1,004 Mil.
Safety Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €145 Mil. Therefore, Safety Insurance Group's EV-to-FCF for today is 6.91.
The historical rank and industry rank for Safety Insurance Group's EV-to-FCF or its related term are showing as below:
FRA:SFN'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.4 Med: 12.03 Max: 37.63
Current: 6.73
During the past 13 years, the highest EV-to-FCF of Safety Insurance Group was 37.63. The lowest was 5.40. And the median was 12.03.
FRA:SFN's EV-to-FCF is ranked better than 63.04% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:SFN: 6.73
EV-to-FCF 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 (FRA:SFN) EV-to-FCF Explanation
EV-to-FCF 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 €64.50.
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 €3.623.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's EV-to-FCF falls into.
Safety Insurance Group's current Enterprise Value is €1,004 Mil.
Safety Insurance Group's Free Cash Flow 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 €145 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 (FRA:SFN) has a EV-to-FCF of 6.91 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Safety Insurance Group and its competitors. This is 43% below median its historical median of 12.03. Over the past decade, Safety Insurance Group's EV-to-FCF has ranged from 5.40 to 37.63. According to the industry distribution chart, Safety Insurance Group ranks #146 out of 395 companies in the Insurance industry, placing it in the top 37%.
Is Safety Insurance Group's EV-to-FCF too high?
Safety Insurance Group's current EV-to-FCF of 6.91 is 43% below median its 10-year median of 12.03. Over the past 10 years, this metric has ranged from a low of 5.40 to a high of 37.63. The Insurance industry median EV-to-FCF is 9.32. Safety Insurance Group's value of 6.91 is 25.9% below this industry median. Based on the distribution chart, Safety Insurance Group ranks #146 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Safety Insurance Group has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's EV-to-FCF compare to TRUP and ASIC?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #146 out of 395 companies for EV-to-FCF. This puts Safety Insurance Group in the upper half of its industry. The industry median EV-to-FCF is 9.32. Safety Insurance Group's value of 6.91 is 25.9% below this benchmark. Historically, Safety Insurance Group's own EV-to-FCF has ranged from 5.40 to 37.63 over the past decade. While the company's 10-year median is 12.03 vs. the industry median of 9.32, Safety Insurance Group has consistently been below 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current EV-to-FCF of 6.91 is 25.9% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Safety Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current EV-to-FCF is 6.91, which is 43% below median its own 10-year median of 12.03. 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 (FRA:SFN) is currently considered Modestly Undervalued. The stock's GF Value™ is €84.44, compared to a current price of €64.50 — trading 23.6% below its estimated fair value. The current EV-to-FCF is 6.91, which is 43% below median its 10-year median of 12.03 and 25.9% below the Insurance industry median of 9.32. Safety Insurance Group's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Safety Insurance Group (FRA:SFN), the current EV-to-FCF is 6.91 as of Jul. 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 (FRA:SFN) Overvalued in 2026?
Based on GuruFocus' analysis, Safety Insurance Group stock appears to be undervalued.
The current stock price of €64.50 is trading 23.6% below its estimated GF Value™ of €84.44.
GuruFocus considers Safety Insurance Group to be Modestly Undervalued.
Key valuation signals for FRA:SFN:
EV-to-FCF: 6.91 (43% below median its 10-year median of 12.03)
GF Value™: €84.44 vs. price of €64.50 (23.6% below fair value)
Industry Position: 25.9% below the Insurance median (#146 of 395)
No single metric tells the full story. See the FRA:SFN 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.
66GF Score
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