Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Safety Insurance GroupFRA:SFN +0.57%74 FCF Margin % is 11.70% as of Jun. 2026, which is 1% above its 10-year median of 11.55. GuruFocus rates FRA:SFN with a GF Score™ of 74/100 and a GF Value™ of €81.32 (Fairly Valued). The stock has 9 warning signs investors should review. Among 504 Insurance companies, Safety Insurance Group ranks better than 61.71% on this metric.
* 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.
FRA:SFN vs KMPR, UFCS, PRCH: FCF Margin % Comparison
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's FCF Margin % falls into.
* 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 FCF Margin % of 11.70% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Safety Insurance Group and its competitors. This is near median its historical median of 11.55. Over the past decade, Safety Insurance Group's FCF Margin % has ranged from 5.38 to 15.40. According to the industry distribution chart, Safety Insurance Group ranks #193 out of 504 companies in the Insurance industry, placing it in the top 38.3%.
Is Safety Insurance Group's FCF Margin % too high?
Safety Insurance Group's current FCF Margin % of 11.70% is near median its 10-year median of 11.55. Over the past 10 years, this metric has ranged from a low of 5.38 to a high of 15.40. The Insurance industry median FCF Margin % is 8.96. Safety Insurance Group's value of 11.70% is 30.6% above this industry median. Based on the distribution chart, Safety Insurance Group ranks #193 out of 504 companies in the Insurance industry, which is above 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 FCF Margin % compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #193 out of 504 companies for FCF Margin %. This puts Safety Insurance Group in the upper half of its industry. The industry median FCF Margin % is 8.96. Safety Insurance Group's value of 11.70% is 30.6% above this benchmark. Historically, Safety Insurance Group's own FCF Margin % has ranged from 5.38 to 15.40 over the past decade. While the company's 10-year median is 11.55 vs. the industry median of 8.96, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.96, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current FCF Margin % of 11.70% is 30.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Safety Insurance Group and its competitors. For the Insurance industry, the median FCF Margin % is 8.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current FCF Margin % is 11.70%, which is near median its own 10-year median of 11.55. 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 Fairly Valued. The stock's GF Value™ is €81.32, compared to a current price of €88.00 — trading 8.2% above its estimated fair value. The current FCF Margin % is 11.70%, which is near median its 10-year median of 11.55 and 30.6% above the Insurance industry median of 8.96. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Safety Insurance Group (FRA:SFN), the current FCF Margin % is 11.70% as of Jun. 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 overvalued.
The current stock price of €88.00 is trading 8.2% above its estimated GF Value™ of €81.32.
GuruFocus considers Safety Insurance Group to be Fairly Valued.
Key valuation signals for FRA:SFN:
FCF Margin %: 11.70% (near median its 10-year median of 11.55)
GF Value™: €81.32 vs. price of €88.00 (8.2% above fair value)
Industry Position: 30.6% above the Insurance median (#193 of 504)
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.
74GF Score
Get the complete analysis for FRA:SFN
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:SFN has been successfully added to your 
