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Company price
104.27 USD -0.09 ( 0.09%)
Last update at 2026-11-06T21:00:00Z
VOLUME
77526
Market Cap
1519.58M
P/E
22.21

Momentum Score

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Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide 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, and insure individual vehicles, as well as 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; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. 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.

Source: TradingView
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Day Price Range
104.25
Low
104.38
High
52 Week Price Range
64.01
Low
103.54
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Safety Insurance Group, Inc. is a regional property-and-casualty insurer focused on private-passenger automobile and homeowners lines in Massachusetts and nearby New England markets through direct and agent channels. Long-term growth may be supported by disciplined underwriting, rate adequacy and modest product or geographic expansion that could sustain returns.
Material risks include exposure to rising auto-claims severity and catastrophe losses, regulatory and rate approval constraints in core states and competitive pressure that could compress underwriting margins.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
104.36
Dividend Yield
3.56%
Revenue TTM
1286.31M
Revenue Per Share
88.10
Gross Profit TTM
98.34M
Debt / Equity
0.07
ROE
7.84%
Net Debt
-12.04M
ROCE
14.18%
Diluted EPS TTM
4.66

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 126.68M 89.87M 24.42M 59.58M 164.27M
Net income 99.25M 70.73M 18.88M 46.56M 130.71M
Gross profit 456.89M 393.10M 283.64M 785.06M 864.72M
Reconciled depreciation 6.78M 9.46M 6.72M 6.61M 6.90M
Ebit 128.21M 90.38M 25.24M 60.27M 164.27M
Ebitda 134.99M 99.84M 32.19M 61.96M 171.17M
Depreciation and amortization 6.78M 9.46M 6.95M 1.69M 6.90M
Operating income 126.68M 89.87M 24.42M 60.27M 164.27M
Other operating expenses 1127.39M 1019.87M 901.53M 725.48M 700.45M
Interest expense 1.53M 0.51M 0.82M 0.52M 0.52M
Tax provision 27.43M 19.13M 9.20M 13.02M 33.56M
Interest income 88.30M 78.22M 55.13M 47.69M 42.60M
Net interest income -1.53M -0.51M -0.83M -0.52M -0.52M
Income tax expense 27.43M 19.13M 5.54M 13.02M 33.56M
Total revenue 1254.07M 1109.74M 925.95M 785.06M 864.72M
Total operating expenses 330.21M 303.23M 259.22M 245.15M -700.45M
Cost of revenue 797.18M 716.64M 642.30M - -
Total other income expense net - 14.42M 10.24M -0.69M -0.52M
Net income from continuing ops 99.25M 70.73M 31.24M 46.56M 130.71M
Net income applicable to common shares - - - 46.36M 130.71M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2471.11M 2270.09M 1965.08M 1972.57M 2117.39M
Intangible assets 118.57M 7.73M 7.55M 7.86M -
Other current assets 39.67M -1076.57M 369.14M 114.59M 116.30M
Total liab 1578.80M 1441.63M 1160.81M 1160.57M 1190.22M
Total stockholder equity 892.31M 828.46M 804.27M 812.00M 927.17M
Deferred long term liab - - - - 15.24M
Other current liab 766.49M -127.36M 414.96M -83.59M -115.79M
Common stock 0.18M 0.18M 0.18M 0.18M 0.18M
Capital stock 0.18M 0.18M 0.18M 0.18M 0.18M
Retained earnings 844.06M 798.76M 781.19M 815.31M 821.74M
Other liab - - - 30.85M 46.70M
Good will 17.09M 17.09M 17.09M 17.09M -
Other assets 2041.28M 2270.09M - 282.21M -965.45M
Cash 73.90M 58.97M 38.15M 25.30M 63.60M
Total current liabilities 1566.94M 46.74M 499.73M 25.07M 115.79M
Current deferred revenue 654.80M - - - -
Net debt -12.04M -13.24M 11.60M 33.04M -6.49M
Short term debt 50.00M 30.00M 4.60M 23.34M 30.00M
Short long term debt 50.00M 30.00M 30.00M 35.00M 30.00M
Short long term debt total 61.86M 45.73M 49.76M 58.34M 57.12M
Other stockholder equity 65.20M 80.57M 76.09M 77.05M 80.67M
Property plant equipment - - - 41.46M 27.11M
Total current assets 1309.10M 365.44M 369.14M 1621.00M 1572.50M
Long term investments 1540.70M 1360.36M 1459.36M 1290.31M 1483.22M
Net tangible assets - - - 787.05M 927.17M
Short term investments 700.02M 553.39M 31.05M 1050.15M 1218.28M
Net receivables 495.50M 464.21M 383.19M 299.80M 290.62M
Long term debt - - - 35.00M 30.00M
Inventory - - -900.81M - -
Accounts payable 95.64M 96.35M 80.18M 85.32M 85.79M
Accumulated other comprehensive income -17.13M -51.05M -53.19M -80.54M 24.58M
Common stock total equity - - - - 0.18M
Retained earnings total equity - - - - 821.74M
Non currrent assets other 11.59M -1405.45M -59.56M -1290.31M -1510.34M
Non current assets total 1162.01M 40.56M 1595.94M 69.36M 1510.34M
Capital lease obligations 11.86M 15.73M 19.76M 23.34M 27.11M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -123.20M -54.54M 17.73M -19.99M -57.76M
Change to liabilities - - - 17.21M -11.29M
Total cashflows from investing activities -125.71M -54.54M - -19.99M -65.99M
Net borrowings 20.00M 0.00M - 5.00M 5.00M
Total cash from financing activities -53.87M -53.33M -63.53M -62.64M -65.57M
Change to operating activities - - - -33.80M 37.54M
Net income 99.25M 70.73M 18.79M 46.56M 130.71M
Change in cash 14.93M 20.82M 12.85M -38.30M 9.83M
Begin period cash flow 58.97M 38.15M 25.30M 63.60M 53.77M
End period cash flow 73.90M 58.97M 38.15M 25.30M 63.60M
Total cash from operating activities 194.50M 128.69M 52.11M 44.33M 141.39M
Depreciation -1.57M 9.46M 8.66M 6.61M 6.90M
Other cashflows from investing activities -21.12M 308.63M - - -32.57M
Dividends paid 53.87M 53.33M 53.29M 53.04M 54.01M
Change to inventory - - 124.31M - 17.33M
Change to account receivables -13.72M -81.20M -83.52M -19.07M 19.04M
Sale purchase of stock -20.00M 0.00M -5.24M -14.60M -11.56M
Other cashflows from financing activities - - 24.27M 5.00M -65.99M
Change to netincome - - - 26.10M -29.43M
Capital expenditures 2.51M 4.37M 1.78M 2.09M 8.22M
Change receivables - - - - 18.29M
Cash flows other operating - - - - -16.06M
Cash and cash equivalents changes - - - - 9.83M
Change in working capital 103.90M 62.17M 33.55M -34.94M 33.21M
Stock based compensation 4.83M 4.48M 4.33M 5.98M 6.29M
Other non cash items -9.99M -18.55M -14.87M 28.49M -41.04M
Free cash flow 191.99M 124.32M 50.33M 42.23M 133.17M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SAFT
Safety Insurance Group Inc
-0.09
0.09%
104.27 22.21 17.12 1.18 1.73 1.19
CB
Chubb Ltd
-6.61
1.78%
365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp
-5.41
2.32%
227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.
-
-%
3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc
-0.14
3.59%
3.63 28.73 12.25 0.01 1.87 1.61

Profile*

Safety Insurance Group Inc

Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide 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, and insure individual vehicles, as well as 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; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. 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.

20 Custom House Street, Boston, MA, United States, 02110

617 951 0600

568

Name Title Year Born
Mr. George Michael Murphy CPCU Pres, CEO & Director 1967
Mr. Christopher Thomas Whitford VP, CFO & Sec. 1983
Mr. James David Berry CPCU VP of Underwriting 1960
Mr. John Patrick Drago VP of Marketing 1967
Mr. Glenn Robert Hiltpold VP of Actuarial Services 1971
Mr. George Michael Murphy C.P.C.U. President, CEO & Chairperson of the Board 1967
Mr. Christopher Thomas Whitford CPA VP, CFO & Secretary 1983
Mr. James David Berry C.P.C.U. Vice President of Underwriting 1960
Mr. John Patrick Drago Vice President of Marketing 1967
Mr. Glenn Robert Hiltpold Vice President of Actuarial Services 1972

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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