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Safety Insurance Group

(NASDAQ) SAFT

Current Price$74.35
Market Cap$1.07BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2002)+1,352%
5 Year+21%
1 Year+8%
1 Month+5%
Safety Insurance Group last closing stock price
MetricPriceDate
Last closeUSD 74.432026-07-16
Safety Insurance Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.98%USD 75.932026-07-09
1 month+5.02%USD 70.872026-06-16
3 month-1.66%USD 75.682026-04-17
Year to date-2.04%USD 75.982025-12-31
1 year+7.95%USD 68.952025-07-16
3 year+27.54%USD 58.362023-07-17
5 year+20.89%USD 61.572021-07-16
Since inception+1,352.07%USD 5.032002-11-22

Safety Insurance Group Financials at a Glance

Market Cap

$1.07BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.27B

Net Income (TTM)

$63.04M

EPS (TTM)

$4.24

P/E Ratio

17.25

Dividend

$3.68

Beta (Volatility)

0.30 (Low)

Price

$74.35

Volume

85,338.744

Open

$73.36

Previous Close

$74.43

Daily Range

$73.36 - $74.96

52-Week Range

$67.04 - $81.49

Estimated Earnings Date

Aug 5, 2026

SAFT News

big fish small fish

Warren Buffett Can't Buy This Stock, But You Can

James BrumleyOct 15, 2021
Money falling2

Here's Why Markel, Aflac, and Safety Insurance Group Stock Soared on Friday

Matt Frankel, CFP®Mar 15, 2020
Risk Danger Dial

Why Safety Insurance Group Stock Just Dropped 5%

Rich SmithOct 31, 2019
Car accident

Safety Insurance Group's Profits Declined, but the News Isn't All Bad

Matt Frankel, CFP®Aug 1, 2019
GettyImages-1126006991

3 Dividend Stocks Ideal for Retirees

Keith NoonanMay 6, 2019
Driving

Safety Insurance Group's Solid Underwriting Profit Boosts Earnings

Matt Frankel, CFP®May 2, 2019
safety insurance

Solid Underwriting Results Help Safety Insurance Book a Profit in the Fourth Quarter

Jordan WathenFeb 27, 2019
safety insurance earnings

Safety Insurance Group's Q3 Earnings Soar on Lower Insurance Losses and Taxes

Jordan WathenNov 5, 2018
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About Safety Insurance Group

Safety helps people protect their cars and homes from unexpected accidents. The company sells these insurance policies through a network of local independent agents. This helps families and business owners manage the costs of repairs or legal issues.

Protecting Cars, Homes, and Businesses

  • Private passenger auto: Covers bodily injury and car damage for individual drivers; accounted for 54.9% of 2025 direct written premiums.
  • Homeowners insurance: Protects dwellings and belongings from various perils like fire or theft; represented 25.2% of 2025 direct written premiums.
  • Commercial automobile: Provides liability and damage coverage for business-owned vehicles and fleets; comprised 15.2% of 2025 direct written premiums.
  • Business owner policies: Bundles property and liability coverage for small to medium-sized companies; made up 2.5% of 2025 direct written premiums.

Reaching Beyond Massachusetts

  • Expanded operations into New Hampshire in 2008 and Maine in 2016 to reach more customers.
  • Secured a reappointment from Commonwealth Automobile Reinsurers for a five-year term starting January 2027 to handle commercial policies.
  • Participated in the FAIR Plan restructuring in April 2024, which turned the shared pool into a stand-alone entity.

Why the Agents Stay

Safety maintains deep roots in its primary markets through 797 independent agencies. It uses custom technology like Safety Express to help these agents issue policies for their customers instantly.

The Latest Financial Results

  • Revenue reached $315.3 million in Q4 2025, up 10.7% from Q4 2024.
  • Net income hit $20.1 million in Q4 2025, up 147.3% year-over-year.
  • Operating cash flow was $73.5 million in Q4 2025, up 45.9% from the previous year.
  • Gross profit rose to $107.6 million in Q4 2025, up 17.4% year-over-year.

The Final Word

Safety has evolved from a local Massachusetts insurer into a regional provider with diversified property and casualty products. Its steady growth relies on specialized market knowledge and strong agent partnerships.

AI Generated • May 1, 2026

Industry

Insurance

Sector

Financials

Employees

568

CEO

George M. Murphy

Website

www.safetyinsurance.com

Headquarters

Boston, MA 02110, US

SAFT Financials

Key Financial Metrics (TTM)

Gross Margin

32.70%

Operating Margin

6.35%

Net Income Margin

4.97%

Return on Equity

7.16%

Return on Capital

13.28%

Return on Assets

2.59%

Earnings Yield

5.80%

Dividend Yield

5.03%

Payout Ratio

85.49%

Stock Overview

Market Cap

$1.07BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

14.68M

Volume

85.34K

Avg. Volume

110.80K

Financials (TTM)

Gross Profit

$415.07M

Operating Income

$80.59M

EBITDA

$93.41M

Operating Cash Flow

$174.29M

Capital Expenditure

-$4.02M

Free Cash Flow

$170.27M

Cash & ST Invst.

$753.35M

Total Debt

$61.10M

Safety Insurance Group Performance Analysis

Safety Insurance Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 795,241,000-8.0%
20232023-12-31USD 920,858,00015.8%
20242024-12-31USD 1,106,161,00020.1%
20252025-12-31USD 1,252,368,00013.2%
Safety Insurance Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-305.4%
Q32025-09-302.3%
Q42025-12-31-2.4%
Q12026-03-31-0.1%
Safety Insurance Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.17-64.0%
20232023-12-31USD 1.28-59.6%
20242024-12-31USD 4.78274.6%
20252025-12-31USD 6.7040.0%
Safety Insurance Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3031.8%
Q32025-09-30-2.6%
Q42025-12-31-27.9%
Q12026-03-31-172.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$315.01M

+5.1%

Gross Profit

$67.52M

-38.2%

Gross Margin

21.44%

N/A

Market Cap

$1.07BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.89M

N/A

Employees

568

N/A

Net Income

-$14.32M

-165.4%

EBITDA

-$15.87M

-152.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$753.35M

+23.0%

Total Debt

$61.10M

+36.8%

Accounts Receivable

$497.15M

+2.2%

Inventory

$0.00

N/A

Long Term Debt

$11.10M

-24.3%

Short Term Debt

$50.00M

+66.7%

Return on Assets

2.59%

N/A

Return on Invested Capital

9.30%

N/A

Free Cash Flow

-$18.88M

-764.4%

Operating Cash Flow

-$17.03M

-636.8%

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Questions About SAFT

What is the current price of Safety Insurance Group?

Safety Insurance Group is trading at $74.43 per share.

What is the 52-week range for Safety Insurance Group?

Over the past 52 weeks, Safety Insurance Group has traded between $67.04 and $81.49.

How much debt does Safety Insurance Group have?

As of the most recent reporting period, Safety Insurance Group reported total debt of $61.10M.

How much cash does Safety Insurance Group have on hand?

Safety Insurance Group reported $54.83M in cash and cash equivalents in its most recent financial results.

What is Safety Insurance Group’s dividend yield?

Safety Insurance Group currently has a dividend yield of 5.03%.

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