| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | 3 | 2 | — | — | — | 5 | — | — |
| total | individual payouts | |
|---|---|---|
| 2026 | 2.76 |
—
—
—
|
| 2025 | 3.64 |
—
—
—
—
|
| 2024 | 3.60 |
—
—
—
—
|
| 2023 | 3.60 |
—
—
—
—
|
| 2022 | 3.60 |
—
—
—
—
|
| 2021 | 3.60 |
—
—
—
—
|
| 2020 | 3.60 |
—
—
—
—
|
| 2019 | 3.40 |
—
—
—
—
|
| 2018 | 3.20 |
—
—
—
—
|
| 2017 | 3.00 |
—
—
—
—
|
| 2016 | 2.80 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 38.15 | 58.97 | 73.90 | 67.92 |
| Receivables | 415.53 | 505.62 | 523.00 | 562.84 |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 453.68 | 564.60 | 596.91 | 630.76 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,213.27 | 1,394.88 | 1,513.03 | 1,566.86 |
| ST’ Debt | — | 30.00 | — | — |
| Other | — | — | — | — |
| 1,213.27 | 1,424.88 | 1,513.03 | 1,566.86 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 314.67 | 325.68 | — | — |
—
|
| ’25 | 301.43 | 316.34 | 326.62 | 319.34 |
1,263.73
|
| ’24 | 268.23 | 269.78 | 295.28 | 286.72 |
1,120.02
|
| ’23 | 213.76 | 229.44 | 229.36 | 258.40 |
930.96
|
| ’22 | 195.00 | 183.61 | 192.35 | 226.60 |
797.56
|
| ’21 | 221.91 | 222.88 | 213.71 | 226.42 |
884.91
|
| ’20 | 181.04 | 207.77 | 222.40 | 235.03 |
846.25
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (17.03) | 38.33 | — | — |
—
|
| ’25 | 3.17 | 32.32 | 85.45 | 73.55 |
194.50
|
| ’24 | (21.13) | 25.59 | 73.82 | 50.42 |
128.69
|
| ’23 | (12.89) | (0.55) | 30.50 | 35.05 |
52.11
|
| ’22 | (15.28) | 15.00 | 23.64 | 20.96 |
44.33
|
| ’21 | 12.52 | 50.07 | 47.99 | 30.81 |
141.39
|
| ’20 | (28.51) | 53.74 | 50.88 | 33.35 |
109.46
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (18.88) | 37.70 | — | — |
—
|
| ’25 | 2.84 | 32.26 | 92.87 | 64.03 |
191.99
|
| ’24 | (24.20) | 29.30 | 76.03 | 43.20 |
124.32
|
| ’23 | (13.43) | 1.85 | 27.24 | 34.67 |
50.33
|
| ’22 | (15.73) | 15.66 | 23.06 | 22.19 |
45.17
|
| ’21 | (55.34) | 115.99 | 43.08 | 34.05 |
137.78
|
| ’20 | (31.49) | 51.40 | 48.08 | 37.37 |
105.35
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (0.99) | 2.36 | — | — |
—
|
| ’25 | 1.48 | 1.95 | 1.91 | 1.36 |
6.70
|
| ’24 | 1.36 | 1.13 | 1.73 | 0.55 |
4.78
|
| ’23 | (0.84) | 1.15 | 0.13 | 0.83 |
1.28
|
| ’22 | 0.53 | 0.53 | 0.42 | 1.67 |
3.15
|
| ’21 | 2.42 | 2.49 | 1.64 | 2.14 |
8.80
|
| ’20 | (0.13) | 2.78 | 2.96 | 3.55 |
9.18
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 76.78 | 65.78 | 71.99 | 67.04 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 99.75 | 88.66 | 90.00 | 84.20 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 538 | 539 | 551 | 568 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.48 | 1.73 | 2.03 | 2.22 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 797.56 | 930.96 | 1,120.02 | 1,263.73 | — | — | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.58% | 3.45% | 8.76% | 10.77% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 59.58 | 24.42 | 89.87 | 126.68 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.47% | 2.62% | 8.02% | 10.02% | — | — | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 46.56 | 18.88 | 70.73 | 99.26 | — | — | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.30 | 6.64 | 10.18 | 5.21 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 54.60 | 63.49 | 76.23 | 85.90 | — | — | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 3.17 | 1.28 | 4.79 | 6.75 | — | — | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.03 | 3.55 | 8.76 | 13.22 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.06 | (0.12) | (0.30) | (0.17) | — | — | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.09 | 3.43 | 8.46 | 13.05 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 55.59 | 54.85 | 56.39 | 60.65 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.61 | 14.66 | 14.69 | 14.71 | — | — | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 27.29 | 60.58 | 17.24 | 11.61 | — | — | — |
PE Ratio
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.58 | 1.21 | 1.08 | 0.91 | — | — | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 1.56 | 1.40 | 1.46 | 1.28 | — | — | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.60 | 1.20 | 1.08 | 0.91 | — | — | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.19 | 22.25 | 9.75 | 6.00 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 44.33 | 52.11 | 128.69 | 194.50 | — | — | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.84 | (1.78) | (4.37) | (2.51) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 45.17 | 50.33 | 124.32 | 191.99 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (716.10) | (759.59) | (860.29) | (916.13) | — | — | — |
Working Cap'
|
| — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.00 | 30.00 | 30.00 | 50.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.70 | (8.15) | (28.97) | (23.90) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 812.00 | 804.27 | 828.46 | 892.31 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.27% | 0.93% | 3.24% | 4.19% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.57% | 1.98% | 7.07% | 9.23% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.33% | 2.34% | 8.66% | 11.54% | — | — | — |
ROE
|
Safety Insurance Group (SAFT), a regional property-casualty insurer dominant in Massachusetts, has delivered steady revenue growth from $820 million in 2016 to $1.12 billion in 2024 (4% CAGR), alongside impressive operational efficiency—revenue per employee surged 60% to $2.03 million amid a 14% headcount cut. However, earnings volatility persists, with EBT swinging from a 2020 peak of $175 million (20.7% margin) to a 2023 trough of $24 million (3.5% margin) due to Northeast catastrophes, before a sharp 2024 rebound to $90 million (8.8% margin) and ROE of 8.6%. A fortress balance sheet underpins resilience, with equity up 23% to $828 million, negligible debt, and free cash flow per share spiking 152% to $9.23.
Valuation appears compelling at 17x trailing P/E, 1.5x P/B, and 9x forward EV/FCF—attractive versus sector norms—yet analyst targets imply 80% downside, clashing with bullish insider buys totaling $292,000 in 2025 (no sells). Future prospects hinge on 5-7% revenue growth to $1.2-1.3 billion by 2027, margin stabilization at 10-12%, and EPS nearing $6-7, supporting 4-5% dividends and mid-teens ROE. Risks from climate-driven cats, inflation, and Massachusetts regulations loom, but SAFT’s moat and compounding potential echo peers like Travelers—warranting a hold with 20-30% upside if cycles normalize.
Keep track of companies that you follow and research.
Full access to our data with predictions and indicators that we calculate daily.
Full access to our screener with tons of custom values and customizable email notifications.
Excel export of financials and screeners you define and save.