Is Safety Insurance Group (SAFT) overvalued or fairly valued?

MarketChacha shows Safety Insurance Group's valuation in context — a trailing P/E of about 16.6, a forward P/E of about 11.6, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Safety Insurance Group's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.99×) from reported figures — education, not a rating.

What is Safety Insurance Group's revenue?

Safety Insurance Group reported revenue of $1.3B for FY2025, with net profit of $99.3M, per official filings.

What is the share price of Safety Insurance Group (SAFT)?

Safety Insurance Group last traded at $72.33 (-1.5% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Safety Insurance Group

SAFT · NYSE · Financials · United States

$72.33-1.5%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:07 PM

Snapshot

TickerSAFT

ExchangeNYSE

SectorFinancials

IndustryInsurance - Property & Casualty

CountryUnited States

Employees568

HeadquartersBoston, United States

Market cap$1.1B

P/E (TTM)16.6

P/B1.2

Volume51.89K

Websitewww.safetyinsurance.com

Filings tracked4

About Safety Insurance Group

Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, and insure individual vehicles, as well as commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. Additionally, the company offers inland marine coverage for homeowners and business owner policies; and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.

Profile as reported by Yahoo Finance.

Who owns it

Insiders2.1%
Institutions87.9%
Public & other10.0%

302 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.15.23%
Srb Corp12.22%
Vanguard Portfolio Management LLC5.76%
State Street Corporation5.16%
Dimensional Fund Advisors LP4.85%
Vanguard Capital Management LLC4.44%
Goldman Sachs Group Inc2.76%
Geode Capital Management, LLC2.57%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.99×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend2.0% → 7.9%

Margin has expanded by about 5.8 points — the business is getting more profitable.

Growth qualityrev 17% · PAT 129%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

$67.0452-wk range$81.49

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.1B

Day change

-1.5%

P/E (TTM)

16.6

Fwd P/E

11.6

P/B

1.2

Div yield

5.01%

Beta

0.22

Revenue (FY2025)

$1.3B

Net margin

7.9%

ROE

11.1%

Revenue CAGR (2y)

+16.5%

Profit CAGR (2y)

+129.3%

EPS (FY2025)

6.70

Net profit (FY2025)

$99.3M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.3B	$99.3M	6.70	7.9%	11.1%
FY2024	$1.1B	$70.7M	4.78	6.3%	8.5%
FY2023	$931.0M	$18.9M	1.28	2.0%	2.3%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$314.7M	$-14.3M	-0.99	-4.6%
2025Q3	$326.6M	$28.3M	1.91	8.7%
2025Q2	$316.3M	$28.9M	1.95	9.1%
2025Q1	$301.4M	$21.9M	1.48	7.3%
2024Q3	$295.3M	$25.9M	1.73	8.8%
2024Q2	$269.8M	$16.6M	1.13	6.2%
2024Q1	$268.2M	$20.1M	1.36	7.5%
2023Q3	$229.4M	$1.9M	0.13	0.8%
2023Q2	$229.4M	$17.0M	1.15	7.4%
2023Q1	$213.8M	$-12.3M	-0.84	-5.8%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Material agreement, Material financial obligation, Exhibits
SEC6/15/2026material
8-K — Shareholder vote results
SEC5/14/2026material
10-Q filing
SEC5/8/2026
8-K — Results of operations, Exhibits
SEC5/6/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.