Safety Insurance Group Inc (SAFT) stock
SAFTNasdaqFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 8/3035% above fair value
$104.34−0.09 (-0.09%)
Close on Nov 12, 2026Market cap $1.53BP/E 21.8Yield 3.49%
Safety Insurance statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 24, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 1, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 12, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.84
- 1.73
- P/OCF Ratio
- 10.04
- 7.17
Enterprise valuationIndustry
- EV / Sales
- 1.15
- 0.96
- EV / FCF
- 10.04
- 7.18
Share statisticsIndustry
- Shares Change (YoY)
- -1.19%
- -1.32%
- Float
- 13M
- 57M
- Shares Held by Insiders
- 12.5%
- 3.33%
- Shares Held by Institutions
- 84.4%
- 84.6%
Short sellingIndustry
- Short Interest
- 388,356
- –
- Short Interest Change
- 7.14%
- -2.56%
- Short % of Float
- 3.02%
- 3.81%
- Short % of Shares Outstanding
- 2.65%
- 3.02%
- Days to Cover
- 3.79
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $104.54
- –
- 52-Week Low
- $67.92
- –
- 20-Day Moving Average
- $104.17
- –
- 50-Day Moving Average
- $103.84
- –
- 200-Day Moving Average
- $85.94
- –
- Average True Range (14)
- $0.23
- –
- Price Change (1 Week)
- -0.02%
- 0.12%
- Price Change (1 Month)
- 0.38%
- 4.24%
- Price Change (3 Months)
- 0.96%
- 0.69%
- Price Change (6 Months)
- 46.7%
- 11.5%
- Price Change (YTD)
- 33.9%
- 8.44%
- Price Change (1 Year)
- 35.8%
- 9.87%
- Price Change (3 Years)
- 36.3%
- 49.0%
- Price Change (5 Years)
- 27.2%
- 41.8%
- Price Change (10 Years)
- 47.6%
- 114.7%
- Average Volume (10 Days)
- 135,809
- –
- Average Volume (20 Days)
- 119,044
- –
- Average Volume (90 Days)
- 181,654
- –
- Relative Volume
- 1.03
- 0.78
- Relative Strength Index (14)
- 60.5
- 55.8
- Volatility (1 Year)
- 44.5%
- 28.3%
- Beta (5 Years)
- 0.33
- 0.60
MarginsIndustry
- Pretax Margin
- 6.97%
- 13.5%
- EBITDA Margin
- 7.52%
- 13.5%
- FCF Margin
- 11.4%
- 18.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 8.01%
- 13.9%
- Return on Assets (ROA)
- 2.83%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 4.58%
- 6.46%
- Net Income Growth (YoY)
- -19.4%
- 11.9%
- EPS Growth (YoY)
- -18.8%
- 12.7%
- FCF Growth (YoY)
- -13.9%
- 9.52%
- Revenue Growth (3Y CAGR)
- 16.6%
- 9.53%
- Revenue Growth (5Y CAGR)
- 8.35%
- 8.29%
- EPS Growth (3Y CAGR)
- 28.6%
- 15.9%
- EPS Growth (5Y CAGR)
- -6.10%
- 15.2%
EfficiencyIndustry
- Asset Turnover
- 0.52
- 0.27
- Revenue Per Employee
- $2.27M
- $1.80M
- Profits Per Employee
- $123.81K
- $182.48K
- Employee Count
- 568
- 1,341
- WACC
- 7.38%
- 7.87%
Income statement (TTM)Industry
- Pretax Income
- $89.70M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $56.02M
- $331.32M
- Net Cash Per Share
- $3.82
- $5.43
- Equity (Book Value)
- $855.77M
- $3.44B
- Book Value Per Share
- $58.29
- $37.80
- Tangible Book Value
- $832.61M
- $2.32B
Cash flow (TTM)Industry
- Capital Expenditures
- -$5.53M
- -$9.40M
- FCF Per Share
- $10.01
- $8.18
Dividends and yieldsIndustry
- Earnings Yield
- 4.59%
- 8.74%
- FCF Yield
- 9.60%
- 11.6%
- Dividend Yield
- 3.49%
- 1.89%
- Shareholder Yield
- 3.49%
- 4.27%
- Dividend Per Share
- $3.64
- $1.75
- Dividend Growth (YoY)
- 1.11%
- 4.86%
- Years of Dividend Growth
- 1
- 3
- Payout Ratio
- 76.5%
- 20.1%
- FCF Payout Ratio
- 36.6%
- 17.9%
Taxes and interestIndustry
- Interest Expense
- $2.61M
- $77.46M
- Income Tax
- $19.37M
- $107.00M
- Effective Tax Rate
- 21.6%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $79.18
- $76.72
- Graham Upside
- -24.1%
- 11.1%
- Altman Z-Score
- 1.54
- 0.94
- Piotroski F-Score
- 6
- 5
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | SAFT | S&P 500 | Difference | SAFT per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +0.5% | -2.7% | +3.2 pts | ||
| 3 months | +1.7% | -1.7% | +3.4 pts | ||
| Year to date | +38.6% | +11.9% | +26.7 pts | ||
| 1 year | +42.3% | +12.0% | +30.4 pts | ||
| 3 years | +57.3% | +78.2% | −20.9 pts | +16.3% | +21.2% |
| 5 years | +59.3% | +73.2% | −13.9 pts | +9.8% | +11.6% |
| 10 years | +126.5% | +309.6% | −183.2 pts | +8.5% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M SAFT shares were sold short on Oct 30, 2026, up 7.1% from the previous report, or 3.02% of the shares available to trade. At recent volumes it would take 3.8 days to buy them back. Over the last 20 sessions, 34.0% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 388,356 | +7.1% | 102,529 | 3.8 |
| Oct 15, 2026 | 362,484 | -17.1% | 119,741 | 3.0 |
| Sep 30, 2026 | 437,423 | -0.5% | 133,096 | 3.3 |
| Sep 15, 2026 | 439,510 | +2.2% | 118,752 | 3.7 |
| Aug 31, 2026 | 430,071 | -1.8% | 138,811 | 3.1 |
| Aug 14, 2026 | 438,018 | +26.3% | 178,551 | 2.5 |
| Jul 31, 2026 | 346,834 | +12.6% | 502,409 | 1.0 |
| Jul 15, 2026 | 308,126 | -4.1% | 106,921 | 2.9 |
| Jun 30, 2026 | 321,275 | +27.8% | 172,313 | 1.9 |
| Jun 15, 2026 | 251,331 | +26.3% | 131,238 | 1.9 |
| May 29, 2026 | 198,954 | +7.1% | 72,225 | 2.8 |
| May 15, 2026 | 185,702 | +4.9% | 94,003 | 2.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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