SAFT (Safety Insurance Group) Moat Score: 5/10 (As of Jun. 30, 2026)


SAFT Safety Insurance Group Inc SAFT
61 GF Score
Price $74.77
GF Value $101.23
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Safety Insurance Group Moat Score?

Safety Insurance Group SAFT -0.21% 61 Moat Score is 5 as of Jun. 30, 2026. GuruFocus rates SAFT with a GF Score™ of 61/100 and a GF Value™ of $101.23 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 601 Insurance companies, Safety Insurance Group ranks better than 88.85% on this metric.

Safety Insurance Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Safety Insurance Group has Narrow Moat: SAFT has a solid narrow moat due to its established market presence and customer loyalty in the insurance sector, but faces regulatory challenges and competitive pressures.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Safety Insurance Group might have Narrow Moat - Solid narrow moat.

Safety Insurance Group  (NAS:SAFT) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Safety Insurance Group Moat Score Related Terms

SAFT vs TRUP, ASIC, UVE: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Safety Insurance Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Safety Insurance Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Safety Insurance Group's Moat Score falls into.


SAFT
61GF Score
Safety Insurance Group Inc SAFT
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Safety Insurance Group (SAFT) has a Moat Score of 5 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Safety Insurance Group ranks #67 out of 601 companies in the Insurance industry, placing it in the top 11.1%.
Is Safety Insurance Group's Moat Score too high?
Safety Insurance Group's current Moat Score is 5. Based on the distribution chart, Safety Insurance Group ranks #67 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Safety Insurance Group has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Safety Insurance Group's Moat Score compare to TRUP and ASIC?
According to the Insurance industry distribution chart, Safety Insurance Group ranks #67 out of 601 companies for Moat Score. This places Safety Insurance Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Safety Insurance Group's current Moat Score is 5. 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 Modestly Undervalued. The stock's GF Value™ is $101.23, compared to a current price of $74.77 — trading 26.1% below its estimated fair value. The current Moat Score is 5. Safety Insurance Group's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current Moat Score is 5 as of Jun. 30, 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 $74.77 is trading 26.1% below its estimated GF Value™ of $101.23. GuruFocus considers Safety Insurance Group to be Modestly Undervalued.

Key valuation signals for SAFT:

  • Moat Score: 5
  • GF Value™: $101.23 vs. price of $74.77 (26.1% below fair value)
  • GF Score™: 61/100 with 4 warning signs

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 Business Description

Other Exchanges SFN:Germany
Address 20 Custom House Street, Boston, MA, USA, 02110
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$74.77
Price
$101.23
GF Value