Safety Insurance Group Inc (SAFT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Safety Insurance Group Inc stock (SAFT) is currently trading at $72.82. Safety Insurance Group Inc PE ratio is 10.67. Safety Insurance Group Inc PS ratio (Price-to-Sales) is 0.84. Analyst consensus price target for SAFT is $70.00. WallStSmart rates SAFT as Moderate Buy.
- SAFT PE ratio analysis and historical PE chart
- SAFT PS ratio (Price-to-Sales) history and trend
- SAFT intrinsic value — DCF, Graham Number, EPV models
- SAFT stock price prediction 2025 2026 2027 2028 2029 2030
- SAFT fair value vs current price
- SAFT insider transactions and insider buying
- Is SAFT undervalued or overvalued?
- Safety Insurance Group Inc financial analysis — revenue, earnings, cash flow
- SAFT Piotroski F-Score and Altman Z-Score
- SAFT analyst price target and Smart Rating
Safety Insurance Group Inc
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SAFT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Safety Insurance Group Inc (SAFT)
SAFT trades at a significant discount to its Graham intrinsic value of $313.56, offering a 75% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Safety Insurance Group Inc (SAFT) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
Safety Insurance Group Inc (SAFT) Key Strengths (5)
Growing significantly faster than its price suggests
Paying less than $1 for every $1 of annual revenue
Earnings per share surging 153.20% year-over-year
86.42% of shares held by major funds and institutions
Trading at 1.17x book value, attractively priced
Supporting Valuation Data
Safety Insurance Group Inc (SAFT) Areas to Watch (5)
Very thin margins with limited operational efficiency
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Solid revenue growth at 11.40% per year
Supporting Valuation Data
Safety Insurance Group Inc (SAFT) Detailed Analysis Report
Overall Assessment
This company scores 71/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on PEG Ratio, Price/Sales, EPS Growth. Valuation metrics including PEG Ratio (0.95), Price/Sales (0.84), Price/Book (1.17) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 153.20%.
The Bear Case
The primary concerns are Operating Margin, Profit Margin, Market Cap. Growth concerns include Revenue Growth at 11.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.50%, Operating Margin at 8.13%, Profit Margin at 7.85%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Price/Sales makes a compelling case at current levels. The key risk is Operating Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SAFT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SAFT's Price-to-Sales ratio of 0.84x trades 25% below its historical average of 1.13x (12th percentile). The current valuation is 54% below its historical high of 1.83x set in Sep 2019, and 20% above its historical low of 0.7x in Jun 2009.
Compare SAFT with Competitors
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Data-driven financial summary for Safety Insurance Group Inc (SAFT) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Safety Insurance Group Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.3B with 11% growth year-over-year. Profit margins are thin at 7.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 1150.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 71M in free cash flow and 74M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Safety Insurance Group Inc push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 5.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Safety Insurance Group Inc.
Bottom Line
Safety Insurance Group Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Safety Insurance Group Inc(SAFT)
NASDAQ
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Safety Insurance Group, Inc. offers private passenger and commercial auto and homeowners insurance in the United States. The company is headquartered in Boston, Massachusetts.