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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Safety Insurance Group Inc (SAFT)

Financial Services Insurance - Property & Casua
73.90 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
1.0Mrd. $
Shares Outstanding
15Mio.
Float
97.7%
Beta
0.2

Performance

Perf. 1M
7.90%
Perf. 3M
4.60%
Perf. 6M
-2.80%
YTD Performance (%)
-4.30%
52-Week-High Distance
-11.0%

Valuation

P/E
Forward P/E
17.1
PEG
1.0
P/B
P/S
0.8
EV/EBITDA
0.0
Price/FCF
6.1

Profitability

Gross Margin
7.1%
EBIT Margin
Net Margin
4.9%
Return on Equity
7.4%
Return on Assets
2.2%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z
8.59
weak
Piotroski
2 von 9

Growth

Sales Growth Last Quarter
4.40%
EPS Growth Last Quarter
153.20%
Sales Growth (Year)
13.01%
Forward Sales Growth
Forward EPS Growth
25.00%

Dividend

Dividend Yield
4.74%
Dividend Per Share (TTM)
3.68$
Payout Ratio
93.2%
Years Without a Cut
22Years
Increase Streak
1Years

Quality & Screener

Stage
1
RS Rating
34
EPS Rating
89
weak
Piotroski
2 von 9
Fundamental Rating
C (-2 von 100)
Altman Z
8.59

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2024: Q4 · 284.7 Mio. $ Q4 2025: Q1 · 299.6 Mio. $ Q1 2025: Q2 · 315.9 Mio. $ Q2 2025: Q3 · 323.2 Mio. $ Q3 2025: Q4 · 315.3 Mio. $ Q4 2026: Q1 · 315.0 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.55 $ Q4 2025: Q1 · 1.48 $ Q1 2025: Q2 · 1.96 $ Q2 2025: Q3 · 1.92 $ Q3 2025: Q4 · 1.37 $ Q4 2026: Q1 · -0.99 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 2.9 % Q4 2025: Q1 · 7.3 % Q1 2025: Q2 · 9.2 % Q2 2025: Q3 · 8.8 % Q3 2025: Q4 · 6.4 % Q4 2026: Q1 · -4.5 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 50.4 Mio. $ Q4 2025: Q1 · 3.2 Mio. $ Q1 2025: Q2 · 32.3 Mio. $ Q2 2025: Q3 · 85.5 Mio. $ Q3 2025: Q4 · 73.5 Mio. $ Q4 2026: Q1 · -17.0 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 50.3 Mio. $ Q4 2025: Q1 · 2.8 Mio. $ Q1 2025: Q2 · 32.3 Mio. $ Q2 2025: Q3 · 85.5 Mio. $ Q3 2025: Q4 · 71.4 Mio. $ Q4 2026: Q1 · -18.9 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 10.4 % Q4 2025: Q1 · 12.4 % Q1 2025: Q2 · 18.2 % Q2 2025: Q3 · 11.0 % Q3 2025: Q4 · 10.7 % Q4 2026: Q1 · 5.1 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -33.9 % Q4 2025: Q1 · 8.7 % Q1 2025: Q2 · 73.2 % Q2 2025: Q3 · 10.1 % Q3 2025: Q4 · 148.1 % Q4 2026: Q1 · -166.5 % Q1
Price Change in Quarter (%)
2024: Q4 · 1.8 % Q4 2025: Q1 · -3.1 % Q1 2025: Q2 · 1.8 % Q2 2025: Q3 · -9.8 % Q3 2025: Q4 · 11.6 % Q4 2026: Q1 · -5.6 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.55 -33.90 285 10.40 2.90 50 50
2025: Q1 1.48 8.70 300 12.40 7.30 3 3
2025: Q2 1.96 73.20 316 18.20 9.20 32 32
2025: Q3 1.92 10.10 323 11.00 8.80 86 86
2025: Q4 1.37 148.10 315 10.70 6.40 74 71
2026: Q1 -0.99 -166.50 315 5.10 -4.50 -17 -19
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Safety Insurance Group, Inc. bietet Privat- und Gewerbe-Kfz- sowie Hausratversicherungen in Massachusetts, USA, an.

Employees568
HeadquartersBoston, MA
Websitesafetyinsurance.com
IPO Date22. Nov 2002
Next Earnings5. Aug 2026

Management

Management
Name Title Birth Year
George Michael Murphy C.P.C.U. President, CEO & Chairperson of the Board 1967
Christopher Thomas Whitford CPA VP, CFO & Secretary 1983
John Patrick Drago Vice President of Marketing 1967
Mary Frances McConnell Vice President of Underwriting 1985
Brian Siu-Gae Lam Vice President of Insurance Operations 1980

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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