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Safety Insurance GroupFRA:SFN +0.57%74 Interest Coverage is 54.72 as of Jun. 2026, which is 85% below its 10-year median of 356.95. 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 351 Insurance companies, Safety Insurance Group ranks better than 67.81% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Safety Insurance Group's
EBIT
for the
three
months ended in Jun. 2026 was €39 Mil. Safety Insurance Group's Interest Expense for the
three
months ended in Jun. 2026 was €-1 Mil.
Safety Insurance Group's interest coverage for the quarter that ended in Jun. 2026 was 54.72.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Safety Insurance Group's Interest Coverage or its related term are showing as below:
FRA:SFN'
s Interest Coverage Range Over the Past 10 Years
Min: 30.85 Med: 356.95 Max: 1375.23
Current: 37.23
FRA:SFN's Interest Coverage is ranked better than 67.81% of 351
companies
in the Insurance industry
Industry Median: 16.1
vs FRA:SFN: 37.23
Safety Insurance Group (FRA:SFN) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Safety Insurance Group Interest Coverage Related Terms
Safety Insurance Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for Safety Insurance Group's Interest Coverage can be seen below:
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:SFN vs KMPR, UFCS, PRCH: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Safety Insurance Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Safety Insurance Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Safety Insurance Group's Interest Coverage falls into.
Safety Insurance Group Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 54.72 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Safety Insurance Group and its competitors. This is 85% below median its historical median of 356.95. Over the past decade, Safety Insurance Group's Interest Coverage has ranged from 30.85 to 1,375.23. According to the industry distribution chart, Safety Insurance Group ranks #113 out of 351 companies in the Insurance industry, placing it in the top 32.2%.
Is Safety Insurance Group's Interest Coverage too high?
Safety Insurance Group's current Interest Coverage of 54.72 is 85% below median its 10-year median of 356.95. Over the past 10 years, this metric has ranged from a low of 30.85 to a high of 1,375.23. The Insurance industry median Interest Coverage is 16.10. Safety Insurance Group's value of 54.72 is 239.9% above this industry median. Based on the distribution chart, Safety Insurance Group ranks #113 out of 351 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 Interest Coverage compare to KMPR and UFCS?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #113 out of 351 companies for Interest Coverage. This puts Safety Insurance Group in the upper half of its industry. The industry median Interest Coverage is 16.10. Safety Insurance Group's value of 54.72 is 239.9% above this benchmark. Historically, Safety Insurance Group's own Interest Coverage has ranged from 30.85 to 1,375.23 over the past decade. While the company's 10-year median is 356.95 vs. the industry median of 16.10, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.10, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Safety Insurance Group's current Interest Coverage of 54.72 is 239.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Safety Insurance Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Safety Insurance Group's current Interest Coverage is 54.72, which is 85% below median its own 10-year median of 356.95. 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 Interest Coverage is 54.72, which is 85% below median its 10-year median of 356.95 and 239.9% above the Insurance industry median of 16.10. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Safety Insurance Group (FRA:SFN), the current Interest Coverage is 54.72 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:
Interest Coverage: 54.72 (85% below median its 10-year median of 356.95)
GF Value™: €81.32 vs. price of €88.00 (8.2% above fair value)
Industry Position: 239.9% above the Insurance median (#113 of 351)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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