Safety Insurance Group, Inc. Logo

Safety Insurance Group, Inc.

SAFT

(2.0)
Stock Price

82,10 USD

1.54% ROA

2.38% ROE

35.03x PER

Market Cap.

1.105.250.768,00 USD

9.25% DER

4.82% Yield

2.04% NPM

Safety Insurance Group, Inc. Stock Analysis

Safety Insurance Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Safety Insurance Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (9%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

3 ROE

ROE in an average range (3.93%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.54%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.45x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (1.579) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Safety Insurance Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Safety Insurance Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Safety Insurance Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Safety Insurance Group, Inc. Revenue
Year Revenue Growth
1998 287.292.000
1999 341.146.000 15.79%
2000 417.570.000 18.3%
2001 103.796.000 -302.3%
2002 529.289.000 80.39%
2003 591.794.000 10.56%
2004 636.440.000 7.01%
2005 671.457.000 5.22%
2006 680.712.000 1.36%
2007 670.080.000 -1.59%
2008 641.000.000 -4.54%
2009 591.954.000 -8.29%
2010 612.719.000 3.39%
2011 660.158.000 7.19%
2012 703.867.000 6.21%
2013 745.284.000 5.56%
2014 777.919.000 4.2%
2015 795.566.000 2.22%
2016 816.637.000 2.58%
2017 837.031.000 2.44%
2018 829.582.000 -0.9%
2019 875.816.000 5.28%
2020 840.401.000 -4.21%
2021 864.719.000 2.81%
2022 785.061.000 -10.15%
2023 906.112.000 13.36%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Safety Insurance Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Safety Insurance Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Safety Insurance Group, Inc. EBITDA
Year EBITDA Growth
1998 16.128.000
1999 17.716.000 8.96%
2000 30.486.000 41.89%
2001 113.464.000 73.13%
2002 23.753.000 -377.68%
2003 47.668.000 50.17%
2004 74.345.000 35.88%
2005 147.507.000 49.6%
2006 173.079.000 14.77%
2007 134.967.000 -28.24%
2008 109.444.000 -23.32%
2009 86.578.000 -26.41%
2010 91.581.000 5.46%
2011 27.915.000 -228.07%
2012 95.834.000 70.87%
2013 100.103.000 4.26%
2014 96.531.000 -3.7%
2015 -15.958.000 704.91%
2016 107.445.000 114.85%
2017 91.827.000 -17.01%
2018 109.808.000 16.37%
2019 129.166.000 14.99%
2020 182.297.000 29.15%
2021 171.166.000 -6.5%
2022 61.962.000 -176.24%
2023 9.904.000 -525.63%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Safety Insurance Group, Inc. Gross Profit
Year Gross Profit Growth
1998 287.292.000
1999 341.146.000 15.79%
2000 417.570.000 18.3%
2001 103.796.000 -302.3%
2002 529.289.000 80.39%
2003 591.794.000 10.56%
2004 636.440.000 7.01%
2005 671.457.000 5.22%
2006 680.712.000 1.36%
2007 670.080.000 -1.59%
2008 641.000.000 -4.54%
2009 591.954.000 -8.29%
2010 612.719.000 3.39%
2011 660.158.000 7.19%
2012 703.867.000 6.21%
2013 745.284.000 5.56%
2014 777.919.000 4.2%
2015 795.566.000 2.22%
2016 816.637.000 2.58%
2017 837.031.000 2.44%
2018 829.582.000 -0.9%
2019 875.816.000 5.28%
2020 840.401.000 -4.21%
2021 864.719.000 2.81%
2022 785.061.000 -10.15%
2023 906.112.000 13.36%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Safety Insurance Group, Inc. Net Profit
Year Net Profit Growth
1998 14.412.000
1999 16.298.000 11.57%
2000 19.274.000 15.44%
2001 111.641.000 82.74%
2002 10.461.000 -967.21%
2003 28.482.000 63.27%
2004 44.990.000 36.69%
2005 95.182.000 52.73%
2006 111.941.000 14.97%
2007 87.413.000 -28.06%
2008 70.258.000 -24.42%
2009 54.152.000 -29.74%
2010 56.342.000 3.89%
2011 13.702.000 -311.2%
2012 58.070.000 76.4%
2013 61.351.000 5.35%
2014 59.354.000 -3.36%
2015 -13.853.000 528.46%
2016 64.585.000 121.45%
2017 62.387.000 -3.52%
2018 83.195.000 25.01%
2019 99.601.000 16.47%
2020 138.211.000 27.94%
2021 130.710.000 -5.74%
2022 46.561.000 -180.73%
2023 7.796.000 -497.24%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Safety Insurance Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 18
1999 20 5.26%
2000 23 13.64%
2001 20 -10%
2002 1 -1900%
2003 2 0%
2004 3 50%
2005 6 66.67%
2006 7 14.29%
2007 5 -40%
2008 4 -25%
2009 3 -33.33%
2010 4 0%
2011 1 0%
2012 4 100%
2013 4 25%
2014 4 -33.33%
2015 -1 0%
2016 4 100%
2017 4 0%
2018 6 20%
2019 7 16.67%
2020 9 33.33%
2021 9 -12.5%
2022 3 -166.67%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Safety Insurance Group, Inc. Free Cashflow
Year Free Cashflow Growth
2000 45.565.000
2002 84.663.000 46.18%
2003 84.187.000 -0.57%
2004 125.744.000 33.05%
2005 115.651.000 -8.73%
2006 100.223.000 -15.39%
2007 108.794.000 7.88%
2008 -41.121.000 364.57%
2009 63.734.000 164.52%
2010 48.712.000 -30.84%
2011 35.566.000 -36.96%
2012 100.143.000 64.48%
2013 105.941.000 5.47%
2014 95.809.000 -10.58%
2015 18.850.000 -408.27%
2016 93.914.000 79.93%
2017 76.082.000 -23.44%
2018 116.508.000 34.7%
2019 102.862.000 -13.27%
2020 99.514.000 -3.36%
2021 133.169.000 25.27%
2022 42.234.000 -215.31%
2023 -842.000 5115.91%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Safety Insurance Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2000 47.778.000
2002 85.379.000 44.04%
2003 85.185.000 -0.23%
2004 126.176.000 32.49%
2005 116.417.000 -8.38%
2006 101.227.000 -15.01%
2007 116.828.000 13.35%
2008 72.815.000 -60.44%
2009 64.069.000 -13.65%
2010 51.106.000 -25.36%
2011 39.943.000 -27.95%
2012 104.348.000 61.72%
2013 110.861.000 5.87%
2014 97.569.000 -13.62%
2015 22.891.000 -326.23%
2016 98.824.000 76.84%
2017 82.040.000 -20.46%
2018 127.691.000 35.75%
2019 112.456.000 -13.55%
2020 109.460.000 -2.74%
2021 141.394.000 22.59%
2022 44.326.000 -218.99%
2023 -842.000 5364.37%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Safety Insurance Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2000 2.213.000
2002 716.000 -209.08%
2003 998.000 28.26%
2004 432.000 -131.02%
2005 766.000 43.6%
2006 1.004.000 23.71%
2007 8.034.000 87.5%
2008 113.936.000 92.95%
2009 335.000 -33910.75%
2010 2.394.000 86.01%
2011 4.377.000 45.31%
2012 4.205.000 -4.09%
2013 4.920.000 14.53%
2014 1.760.000 -179.55%
2015 4.041.000 56.45%
2016 4.910.000 17.7%
2017 5.958.000 17.59%
2018 11.183.000 46.72%
2019 9.594.000 -16.56%
2020 9.946.000 3.54%
2021 8.225.000 -20.92%
2022 2.092.000 -293.16%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Safety Insurance Group, Inc. Equity
Year Equity Growth
1998 171.148.000
1999 175.105.000 2.26%
2000 212.951.000 17.77%
2001 108.982.000 -95.4%
2002 245.252.000 55.56%
2003 268.020.000 8.49%
2004 305.334.000 12.22%
2005 387.949.000 21.3%
2006 496.348.000 21.84%
2007 570.000.000 12.92%
2008 603.371.000 5.53%
2009 620.435.000 2.75%
2010 653.476.000 5.06%
2011 656.313.000 0.43%
2012 694.359.000 5.48%
2013 695.187.000 0.12%
2014 708.283.000 1.85%
2015 644.499.000 -9.9%
2016 670.726.000 3.91%
2017 701.016.000 4.32%
2018 718.644.000 2.45%
2019 808.406.000 11.1%
2020 884.679.000 8.62%
2021 927.173.000 4.58%
2022 811.999.000 -14.18%
2023 769.749.000 -5.49%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Safety Insurance Group, Inc. Assets
Year Assets Growth
1998 734.647.000
1999 770.010.000 4.59%
2000 833.339.000 7.6%
2001 836.494.000 0.38%
2002 978.596.000 14.52%
2003 1.076.296.000 9.08%
2004 1.206.445.000 10.79%
2005 1.257.675.000 4.07%
2006 1.355.748.000 7.23%
2007 1.446.992.000 6.31%
2008 1.437.817.000 -0.64%
2009 1.427.837.000 -0.7%
2010 1.439.452.000 0.81%
2011 1.472.566.000 2.25%
2012 1.574.346.000 6.46%
2013 1.625.457.000 3.14%
2014 1.675.719.000 3%
2015 1.703.869.000 1.65%
2016 1.758.246.000 3.09%
2017 1.807.279.000 2.71%
2018 1.856.240.000 2.64%
2019 2.022.669.000 8.23%
2020 2.054.273.000 1.54%
2021 2.117.391.000 2.98%
2022 1.972.569.000 -7.34%
2023 2.052.105.000 3.88%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Safety Insurance Group, Inc. Liabilities
Year Liabilities Growth
1998 563.499.000
1999 594.905.000 5.28%
2000 620.388.000 4.11%
2001 727.512.000 14.72%
2002 733.344.000 0.8%
2003 808.276.000 9.27%
2004 901.111.000 10.3%
2005 869.726.000 -3.61%
2006 859.400.000 -1.2%
2007 876.992.000 2.01%
2008 834.446.000 -5.1%
2009 807.402.000 -3.35%
2010 785.976.000 -2.73%
2011 816.253.000 3.71%
2012 879.987.000 7.24%
2013 930.270.000 5.41%
2014 967.436.000 3.84%
2015 1.059.370.000 8.68%
2016 1.087.520.000 2.59%
2017 1.106.263.000 1.69%
2018 1.137.596.000 2.75%
2019 1.214.263.000 6.31%
2020 1.169.594.000 -3.82%
2021 1.190.218.000 1.73%
2022 1.160.570.000 -2.55%
2023 1.282.356.000 9.5%

Safety Insurance Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
60.87
Net Income per Share
2.13
Price to Earning Ratio
35.03x
Price To Sales Ratio
1.24x
POCF Ratio
163.82
PFCF Ratio
198.86
Price to Book Ratio
1.42
EV to Sales
1.26
EV Over EBITDA
29.88
EV to Operating CashFlow
168.4
EV to FreeCashFlow
202.4
Earnings Yield
0.03
FreeCashFlow Yield
0.01
Market Cap
1,11 Bil.
Enterprise Value
1,12 Bil.
Graham Number
50.23
Graham NetNet
3.83

Income Statement Metrics

Net Income per Share
2.13
Income Quality
0.23
ROE
0.04
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.79
EBT Per Ebit
3.2
Ebit per Revenue
0.01
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.01
Pretax Profit Margin
0.03
Net Profit Margin
0.02

Dividends

Dividend Yield
0.05
Dividend Yield %
4.82
Payout Ratio
1.28
Dividend Per Share
3.6

Operating Metrics

Operating Cashflow per Share
0.46
Free CashFlow per Share
0.38
Capex to Operating CashFlow
-0.17
Capex to Revenue
-0
Capex to Depreciation
-0.23
Return on Invested Capital
0.04
Return on Tangible Assets
0.02
Days Sales Outstanding
165.04
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
2.21
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.08

Balance Sheet

Cash per Share
70,74
Book Value per Share
52,56
Tangible Book Value per Share
50.9
Shareholders Equity per Share
52.56
Interest Debt per Share
4.92
Debt to Equity
0.09
Debt to Assets
0.03
Net Debt to EBITDA
0.52
Current Ratio
14.05
Tangible Asset Value
0,75 Bil.
Net Current Asset Value
-0,99 Bil.
Invested Capital
0.09
Working Capital
0,27 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,38 Bil.
Average Payables
0,08 Bil.
Average Inventory
0
Debt to Market Cap
0.06

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Safety Insurance Group, Inc. Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 100%
2008 2 0%
2009 2 0%
2010 2 0%
2011 2 50%
2012 2 0%
2013 2 0%
2014 3 0%
2015 3 0%
2016 3 0%
2017 3 33.33%
2018 3 0%
2019 3 0%
2020 4 0%
2021 4 0%
2022 4 0%
2023 4 0%

Safety Insurance Group, Inc. Profile

About Safety Insurance Group, Inc.

Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company's private passenger automobile policies offer 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, insure individual vehicles, and 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; and commercial umbrella and business owner policies, as well as underwrites dwelling fire insurance for non-owner-occupied residences. 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.

CEO
Mr. George Michael Murphy C.P.
Employee
539
Address
20 Custom House Street
Boston, 02110

Safety Insurance Group, Inc. Executives & BODs

Safety Insurance Group, Inc. Executives & BODs
# Name Age
1 Mr. George Michael Murphy C.P.C.U.
President, Chief Executive Officer & Chairperson of the Board
70
2 Mr. James David Berry C.P.C.U.
Vice President of Underwriting
70
3 Mr. Christopher Thomas Whitford CPA
Vice President, Chief Financial Officer & Secretary
70
4 Mr. John Patrick Drago
Vice President of Marketing
70
5 Mr. Glenn Robert Hiltpold
Vice President of Actuarial Services
70

Safety Insurance Group, Inc. Competitors