Stocks · Financial Services · Insurance - Property & Casualty
Safety Insurance Group, Inc. SAFT
$103.92 +0.11% Close, Oct 2, 2026 · NASDAQ · Market cap $1.53B
Strong trend
Next earnings report: Nov 2, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 50 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $1.47B, up 23.8% from a year earlier, accelerating from 11.1% a quarter earlier.
- Diluted EPS over the last four quarters was $4.64, down 18.7% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- EPS growth (TTM, YoY)Bottom 19%
- FCF growth (TTM, YoY)Bottom 43%
- Revenue growth, 3-year CAGRTop 42%
- Revenue growth accelerationTop 8%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 22%
- Gross marginBottom 16%
- Operating marginBottom 15%
- Cash conversion (OCF / net income)Top 14%
- Accruals (lower is better)Top 17%
- Net debt / EBITDA (lower is better)Top 27%
- Interest coverTop 5%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 38%
- Free-cash-flow yieldTop 28%
- EBITDA / enterprise valueBottom 49%
- Sales / enterprise valueTop 11%
- P/E vs own 5-year history (lower is better)Bottom 45%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 9%
- 6-month returnTop 5%
- 1-year return vs S&P 500Top 7%
- Distance from 52-week highTop 2%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 10%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 7%
- Maximum drawdown, 3 yearsTop 34%
- Beta vs S&P 500 (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Top 27%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 11.1% | 23.8% | ↑ |
| EPS growth (YoY) | -13.5% | -18.7% | ↓ |
| Gross margin | 36.2% | 42.0% | ↑ |
| Operating margin | 9.1% | 5.9% | ↓ |
| FCF margin | 13.3% | 11.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 23.8% | 11.1% | ↑ | Top 19% |
| EPS growth (TTM, YoY) | -18.7% | -13.5% | ↓ | Bottom 19% |
| Gross margin | 42.0% | 36.2% | ↑ | Bottom 16% |
| Operating margin | 5.9% | 9.1% | ↓ | Bottom 15% |
| Net margin | 4.7% | 7.1% | ↓ | — |
| Free-cash-flow margin | 11.9% | 13.3% | ↓ | — |
| Return on invested capital | 7.4% | — | Top 22% | |
| Revenue growth, 3-year CAGR | 16.9% | — | Top 42% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.63×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -4.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -58.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.08×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 36.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.54%
- Net buyback yield (TTM)
- 1.31%
- Shareholder yield
- 4.85%
- Share count change, 1 year
- -1.5%
- Share count change, 3-year CAGR
- -0.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -37.0%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +1.5% | +0.2% | +0.1% | -0.1% | — |
| May 6, 2026 | -149.7% | -0.1% | -5.4% | -8.3% | +39.0% |
| Feb 25, 2026 | +18.0% | +1.3% | -2.2% | -5.2% | -5.9% |
| Nov 3, 2025 | -17.8% | -0.7% | +8.6% | +9.5% | +12.3% |
| Aug 6, 2025 | -9.4% | +0.3% | +4.4% | +2.6% | -4.1% |
| May 7, 2025 | +2.4% | -0.6% | +4.9% | +2.9% | -10.6% |
| Feb 25, 2025 | -19.7% | +1.7% | -2.4% | -0.0% | +6.3% |
| Nov 5, 2024 | -21.4% | +1.9% | +11.4% | +8.4% | +0.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $2.03 | $2.00 | +1.5% | $341.8M |
| May 6, 2026 | -$0.72 | $1.45 | -149.7% | $299.8M |
| Feb 25, 2026 | $1.51 | $1.28 | +18.0% | $299.6M |
| Nov 3, 2025 | $1.48 | $1.80 | -17.8% | $323.2M |
| Aug 6, 2025 | $1.45 | $1.60 | -9.4% | $316.3M |
| May 7, 2025 | $1.28 | $1.25 | +2.4% | $301.4M |
| Feb 25, 2025 | $0.94 | $1.17 | -19.7% | $21.2M |
| Nov 5, 2024 | $1.10 | $1.40 | -21.4% | $291.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 22.4× | 17.1× | 62th | Bottom 38% |
| P/E (forward) | 25.0× | — | — | — |
| EV / EBITDA | 15.4× | — | — | Bottom 49% |
| EV / Sales | 1.03× | — | — | Top 11% |
| Free-cash-flow yield | 11.52% | — | — | Top 28% |
| Earnings yield | 4.46% | — | — | Bottom 38% |
P/E over the past five years
Range 7.0× – 67.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +48.0%
- Earnings per share growth (TTM)
- -18.7%
- Change in P/E multiple
- +79.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 51
- Days above the 200-day average
- 50
- 50-day average slope (20 days)
- +12.4%
- 200-day average slope (20 days)
- +3.4%
- Distance from 50-day average
- +0.5%
- Distance from 200-day average
- +26.7%
- RSI (14)
- 75.3
- Relative volume
- 0.98×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 71.7%
- Volatility vs own 5-year history
- 96th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.24
- Correlation with S&P 500
- 0.11
- Current drawdown from 1-year high
- +0.0%
- Maximum drawdown, 3 years
- -24.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 1, 2022 | Sep 8, 2023 | -33.8% | 298 days | 720 days (Jul 24, 2026) |
| May 10, 2021 | Jul 22, 2021 | -14.2% | 51 days | 139 days (Feb 8, 2022) |
| Dec 16, 2020 | Feb 1, 2021 | -11.6% | 30 days | 23 days (Mar 5, 2021) |
| Apr 1, 2022 | May 13, 2022 | -10.3% | 29 days | 9 days (May 26, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.53B
- P/E (TTM)
- 22.4
- EPS, diluted (TTM)
- $4.64
- Revenue (TTM)
- $1.47B
- Dividend yield
- 3.54%
- 52-week range
- $67.04 – $104.01
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $864.7M | $785.1M | $925.9M | $1.11B | $1.25B |
| Gross profit | $403.0M | $293.1M | $283.6M | $393.1M | $456.9M |
| Operating income | $164.3M | $59.6M | $24.4M | $89.9M | $126.7M |
| Net income | $130.7M | $46.6M | $18.9M | $70.7M | $99.3M |
| EPS (diluted) | $8.80 | $3.15 | $1.28 | $4.78 | $6.70 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $291.1M | $284.7M | $299.6M | $315.9M | $323.2M | $315.3M | $315.0M | $520.8M |
| Net income | $25.9M | $8.1M | $21.9M | $28.9M | $28.3M | $20.1M | -$14.3M | $34.5M |
| EPS (diluted) | $1.73 | $0.55 | $1.48 | $1.95 | $1.90 | $1.37 | -$0.99 | $2.36 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $141.4M | $44.3M | $52.1M | $128.7M | $194.5M |
| Capital expenditure | -$8.2M | -$2.1M | -$1.8M | -$4.4M | -$2.5M |
| Free cash flow | $133.2M | $42.2M | $50.3M | $124.3M | $192.0M |
| Dividends paid | -$54.0M | -$53.0M | -$53.3M | -$53.3M | -$53.9M |
| Net share buybacks | -$11.6M | -$14.6M | -$5.2M | $0 | -$20.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.60B
- Total assets
- $2.50B
- Total liabilities
- $1.63B
- Total debt
- $59.8M
- Net debt
- -$8.1M
- Shareholders’ equity
- $876.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.92 | Sep 15, 2026 |
| Jun 1, 2026 | $0.92 | Jun 12, 2026 |
| Mar 2, 2026 | $0.92 | Mar 13, 2026 |
| Dec 1, 2025 | $0.92 | Dec 15, 2025 |
| Sep 2, 2025 | $0.92 | Sep 15, 2025 |
| Jun 2, 2025 | $0.90 | Jun 13, 2025 |
| Mar 3, 2025 | $0.90 | Mar 14, 2025 |
| Dec 2, 2024 | $0.90 | Dec 13, 2024 |
Short interest
- Shares sold short
- 439,510
- Days to cover
- 3.70
- Change vs previous report
- +2.2%
FINRA short interest, settlement date Sep 15, 2026.