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Safety Insurance Group, Inc. (SAFT) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Safety Insurance Group, Inc.

SAFTMarket cap $1.53BPrice $103.9

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells auto, home, and business insurance mostly across Massachusetts, where it's one of the top private passenger auto insurers. Keeps a tight regional focus instead of chasing nationwide growth, betting that local expertise beats broad scale.

In Bastion Portfolios?

52W Return+53%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+17%8

Revenue Forecast

Rev CAGR (1y)+8%5

Rev CAGR (3y)+4%3

Rev CAGR (5y)+3%3

Earnings Forecast

EPS Growth Y+1-7%3

EPS Growth Y+2+4%5

EPS Growth Y+3+2%4

Quality

Margins

EBIT Margin7%3

Net Income Margin5%4

Free Cash Flow Margin14%7

Debt

Net Debt/EBITDA-0.110

Efficiency

ROE8%4

ROA3%4

Earnings Stability44

GEAR+AVERAGE43

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)165

P/E Ratio (Forward 3y)164

P/BV1.77

EV Multiples

EV/EBITDA Fwd05

EV/EBIT Fwd05

Yield

Free Cash Flow Yield0.0%5

Dividend Yield3.5%8

Momentum

Short term

1 month return+0%8

3 month return+35%10

YTD return+38%9

Mid term

Price vs 52wHigh100%10

1 year return+56%9

Long term

3 year return+71%7

5 year return+59%6

Risk Shield

Price Risk

Beta0.29

Volatility39%5

Free Cash Flow

Free Cash Flow Margin14%7

Free Cash Flow Yield0.0%5

Quality

ROCE10%4

Earnings Stability44

Net Debt/EBITDA-0.110

02Growth

Is it actually growing, and how fast?

SAFTSafety Insurance Group

Revenue FY25$1.3B

GROWTH RATING↗

WEAK29 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%8

Revenue, next 1Y+8%5

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+4%5

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 17%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

Revenue is set to grow 4%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 17%/yr over the last 3 years; forecasts see it cooling to 4%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 4%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

Growth is the weak spot here, trailing 71% of companies worldwide.

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Modest Grower

Growth is a weak point here: a business that is slowing. The one thing to watch: the five-year outlook is thin.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG93 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return+35%10

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high100%10

1-year return+56%9

3-year return+71%7

5-year return+59%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +71% over three years and +59% over five, ahead of 60% of the market.

It's up 56% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+35%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Safety Insurance Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

SAFTSafety Insurance Group

Revenue FY25$1.3B

GROWTH RATING↗

WEAK29 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+17%8

Revenue, next 1Y+8%5

Revenue, next 3Y, CAGR+4%3

Revenue, next 5Y, CAGR+3%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+4%5

EPS growth, FY28E+2%4

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 17%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

Revenue is set to grow 4%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 17%/yr over the last 3 years; forecasts see it cooling to 4%/yr.

Earnings are set to grow in step with sales (EPS about 2%/yr vs revenue 4%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

Growth is the weak spot here, trailing 71% of companies worldwide.

Over five years revenue is set to grow 3%/yr, behind 70% of companies worldwide.3/10

BOTTOM LINE

Modest Grower

Growth is a weak point here: a business that is slowing. The one thing to watch: the five-year outlook is thin.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG93 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+0%8

3-month return+35%10

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high100%10

1-year return+56%9

3-year return+71%7

5-year return+59%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +71% over three years and +59% over five, ahead of 60% of the market.

It's up 56% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+35%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Safety Insurance Group, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community