Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company's private passenger automobile policies offer 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, insure individual vehicles, and 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; and commercial umbrella and business owner policies, as well as underwrites dwelling fire insurance for non-owner-occupied residences. 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.

	Dec '13	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23
asset turnover	0.46 -	0.46 1.25%	0.47 0.58%	0.46 0.53%	0.46 0.28%	0.45 3.50%	0.43 3.11%	0.41 5.52%	0.41 0.17%	0.40 2.55%	0.47 17.74%
cash per share	75.60 -	77.97 3.13%	75.95 2.59%	78.57 3.45%	80.86 2.91%	79.54 1.63%	83.71 5.24%	87.37 4.38%	86.45 1.06%	73.62 14.83%	4.72 93.59%
company equity multiplier	2.34 -	2.37 1.19%	2.64 11.74%	2.62 0.84%	2.58 1.65%	2.58 0.19%	2.50 3.13%	2.32 7.19%	2.28 1.65%	2.43 6.37%	2.44 0.58%
days of inventory outstanding
days of payables outstanding
days of sales outstanding	115.71 -	114.04 1.45%	139.27 22.13%	137.67 1.15%	131.17 4.72%	137.80 5.05%	137.47 0.24%	130.50 5.06%	122.67 6.00%	139.39 13.63%	151.88 8.97%
dividend yield	0.04 -	0.04 4.70%	0.05 23.22%	0.04 23.39%	0.04 1.83%	0.04 5.04%	0.04 5.36%	0.05 24.71%	0.04 8.27%	0.04 0.60%	0.05 10.98%
ebit per revenue	0.12 -	0.11 8.97%	-0.04 133.62%	0.11 417.25%	0.10 9.23%	0.13 21.30%	0.14 12.28%	0.21 47.26%	0.19 8.65%	0.08 59.59%	0.01 92.28%
ebt per ebit	1 -	1 0%	1 0%	1 0%	1.00 0.10%	1.00 0.02%	1 0.09%	1 0%	1 0%	0.99 1.14%	3.46 250.10%
effective tax rate	0.30 -	0.29 4.24%	0.52 79.54%	0.31 40.43%	0.28 8.84%	0.20 27.98%	0.19 3.60%	0.21 7.44%	0.20 2.34%	0.22 6.96%	0.29 34.40%
enterprise value multiple	8.08 -	9.58 18.58%	-49.55 617.31%	10.07 120.31%	12.69 26.06%	10.89 14.15%	10.81 0.77%	6.45 40.32%	7.33 13.61%	20.40 178.33%	79.79 291.17%
fixed asset turnover	69.89 -	93.89 34.35%	94.51 0.65%	91.29 3.41%	84.83 7.07%	53.23 37.25%	25.76 51.61%	27.11 5.24%	31.89 17.64%	33.64 5.49%	29.26 13.04%
free cash flow per share	6.90 -	6.34 8.08%	1.27 80.01%	6.28 395.56%	5.07 19.33%	7.73 52.43%	6.77 12.41%	6.63 1.98%	8.98 35.39%	2.89 67.81%	3.43 18.71%
gross profit margin	1 -	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%	1 0%
interest coverage	985.26 -	925.76 6.04%	-318.28 134.38%	1.04K 425.65%	964.33 6.96%	1.16K 20.22%	1.37K 18.54%	397.20 71.10%	314.69 20.77%	115.02 63.45%	6.67 94.20%
inventory turnover
long term debt to capitalization							0.04 -	0.06 59.83%	0.06 10.04%	0.07 15.51%	0.04 46.35%
net income per ebt	0.70 -	0.71 1.82%	0.48 32.11%	0.69 43.17%	0.72 3.93%	0.80 10.90%	0.81 0.91%	0.79 1.80%	0.80 0.62%	0.78 1.79%	1.00 27.93%
net profit margin	0.08 -	0.08 7.31%	-0.02 122.82%	0.08 554.19%	0.07 5.76%	0.10 34.55%	0.11 13.40%	0.16 44.61%	0.15 8.09%	0.06 60.76%	0.02 65.44%
operating cash flow per share	7.22 -	6.46 10.55%	1.54 76.16%	6.61 329.41%	5.47 17.34%	8.47 54.93%	7.40 12.63%	7.30 1.38%	9.54 30.69%	3.03 68.18%	3.55 17.12%
operating profit margin	0.12 -	0.11 8.97%	-0.04 133.62%	0.11 417.25%	0.10 9.23%	0.13 21.30%	0.14 12.28%	0.21 47.26%	0.19 8.65%	0.08 59.59%	0.01 92.28%
payables turnover
pretax profit margin	0.12 -	0.11 8.97%	-0.04 133.62%	0.11 417.25%	0.10 9.32%	0.13 21.32%	0.14 12.37%	0.21 47.26%	0.19 8.65%	0.08 60.05%	0.02 72.99%
price fair value	1.24 -	1.37 9.80%	1.30 4.75%	1.64 26.28%	1.72 4.83%	1.72 0.28%	1.74 1.35%	1.32 24.07%	1.36 2.94%	1.52 11.46%	1.39 8.60%
receivables turnover	3.15 -	3.20 1.47%	2.62 18.12%	2.65 1.16%	2.78 4.96%	2.65 4.81%	2.66 0.24%	2.80 5.33%	2.98 6.39%	2.62 11.99%	2.40 8.23%
return on assets	0.04 -	0.04 6.16%	-0.01 122.95%	0.04 551.80%	0.03 6.02%	0.04 29.84%	0.05 9.87%	0.07 36.63%	0.06 8.25%	0.02 61.76%	0.01 59.31%
return on capital employed	0.06 -	0.05 8.13%	-0.02 133.60%	0.06 417.42%	0.05 9.91%	0.06 18.06%	0.06 8.78%	0.09 41.18%	0.08 9.06%	0.03 62.29%	0.00 87.97%
return on equity	0.09 -	0.08 5.04%	-0.02 125.65%	0.10 547.99%	0.09 7.58%	0.12 30.08%	0.12 6.43%	0.16 26.80%	0.14 9.76%	0.06 59.33%	0.02 59.07%
total debt to capitalization							0.08 -	0.09 20.21%	0.09 7.91%	0.09 6.41%	0.04 54.87%

NASDAQ:SAFT

Safety Insurance Group, Inc.

Last Close

80.97

17/05 20:00

Market Cap

1.24B

Beta: 0.30

Volume Today

30.44K

Avg: 83.17K

PE Ratio

38.97

PFCF: 221.24

Dividend Yield

4.33%

Payout:128.25%