Safety Insurance Group Inc
SAFT Nasdaq· Fire, Marine & Casualty Insurance
Last close · Oct 23, 2026
$104.16
KIRA · Stoqly’s AI analyst, in plain words
- Safety Insurance Group Inc had $1.3B of revenue in fiscal 2025, up 12.8% on the year before. Over five years, revenue changed +8.4% a year on average.
- Safety Insurance Group Inc made $99.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.1% a year.
- Free cash flow was $192M in fiscal 2025, 15.2% of revenue.
- Safety Insurance Group Inc returned $53.9M to shareholders in fiscal 2025, 28% of free cash flow. The diluted share count rose 0.2%.
- Safety Insurance Group Inc has $23.9M more cash than debt.
Market cap
$1.5B
P/E
22.4x
Revenue
$1.3B
Net income
$99.3M
Free cash flow
$192M
Operating margin
—
Safety Insurance Group Inc in 30 seconds · fiscal 2025
Are sales growing?
+12.8%
Yes. Sales grew 12.8% last year.
Does it make a profit?
7.9%
A little. It keeps 7.9% of every sale as profit.
Does profit turn into cash?
15.2%
Yes. 15.2% of sales ends up as free cash.
How healthy are the accounts?
5 / 7
Mixed. It passes 5 of 7 health tests.
How is the share priced?
22.4x
One share costs 22.4 times its yearly profit per share.
What Safety Insurance Group Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- SAFETY INSURANCE GROUP INC
- CIK
- 0001172052
Safety Insurance Group Inc · SAFT
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $885M | $798M | $931M | $1.1B | $1.3B |
| Revenue growth | 4.6% | −9.9% | 16.7% | 20.3% | 12.8% |
| Net income | $131M | $46.6M | $18.9M | $70.7M | $99.3M |
| Net margin | 14.8% | 5.8% | 2.0% | 6.3% | 7.9% |
| Diluted EPS | $8.80 | $3.15 | $1.28 | $4.78 | $6.70 |
| Cash | |||||
| Cash from operations | $141M | $44.3M | $52.1M | $129M | $194M |
| Capital expenditure | $8.2M | $2.1M | $1.8M | $4.4M | $2.5M |
| Free cash flow | $133M | $42.2M | $50.3M | $124M | $192M |
| FCF margin | 15.0% | 5.3% | 5.4% | 11.1% | 15.2% |
| Dividends paid | $54.0M | $53.0M | $53.3M | $53.3M | $53.9M |
| Share count change | −1.3% | −1.4% | −0.0% | 0.0% | 0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $63.6M | $25.3M | $38.2M | $59.0M | $73.9M |
| Debt incl. finance leases | — | — | $30.0M | $30.0M | $50.0M |
| Shareholders' equity | $927M | $812M | $804M | $828M | $892M |
| Returns and quality | |||||
| Return on equity | 14.4% | 5.4% | 2.3% | 8.7% | 11.5% |
| Return on tangible equity | 14.2% | 5.9% | 2.4% | 8.8% | 11.4% |
| Piotroski F-score | — | — | — | 6 | 5 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$139M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Safety Insurance Group Inc · SAFT
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $104.16 a share, the company is worth $1.5B: 22.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001172052). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.