SAFT (Safety Insurance Group) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


SAFT Safety Insurance Group Inc SAFT
61 GF Score
Price $74.86
GF Value $101.23
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Safety Insurance Group Scaled Net Operating Assets?

Safety Insurance Group SAFT -0.21% 61 Scaled Net Operating Assets is 0.07 as of Mar. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Safety Insurance Group's operating assets for the quarter that ended in Mar. 2026 was $1,681 Mil. Safety Insurance Group's operating liabilities for the quarter that ended in Mar. 2026 was $1,518 Mil. Safety Insurance Group's Total Assets for the quarter that ended in Dec. 2025 was $2,471 Mil. Therefore, Safety Insurance Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

SAFT
61GF Score
Safety Insurance Group Inc SAFT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Safety Insurance Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Safety Insurance Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2397.207-1516.936)/2270.09
=0.39

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2471.108 - 73.901
=2397.207

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1578.797 - 11.861 - 50
=1516.936

Safety Insurance Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1681.226-1517.72)/2471.108
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2434.571 - 753.345
=1681.226

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1578.821 - 11.101 - 50
=1517.72

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Safety Insurance Group (SAFT) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Safety Insurance Group and its competitors.
Is Safety Insurance Group's Scaled Net Operating Assets too high?
Safety Insurance Group's current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets compare to TRUP and ASIC?
Safety Insurance Group's Scaled Net Operating Assets of 0.07 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Safety Insurance Group and its competitors. Safety Insurance Group's current Scaled Net Operating Assets is 0.07. 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 $74.86 — trading 26% below its estimated fair value. The current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Safety Insurance Group (SAFT), the current Scaled Net Operating Assets is 0.07 as of Mar. 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 $74.86 is trading 26% below its estimated GF Value™ of $101.23. GuruFocus considers Safety Insurance Group to be Modestly Undervalued.

Key valuation signals for SAFT:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: $101.23 vs. price of $74.86 (26% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$74.86
Price
$101.23
GF Value