Obermatt
See Similar Stocks →

Safety Insurance

NSQ:SAFT · US78648T1007
InsuranceSmall

360

35
Medium confidence — indicative
Profit price16
Owner Earnings Yield57
Dividend Yield1
Price/Sales84
EV / Gross Profit9
Price/Book70
Returns on capital30
Profit margins23
Cash Conversion83
Accruals66
Owner Earnings Margin27
Sales growth45
Profit Growth6
Long-Term EPS Growth23
Owner Earnings Growth9
Reinvestment24
Price momentum37
Debt load83
Debt serviceability17
Liquidity82
Analyst ratings16
Expectations trend50
Market mood33
Value Creation8/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Safety Insurance clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryInsurance
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2001
Employees426
Websitesafetyinsurance.com
ISINUS78648T1007
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Auto InsuranceAutomotiveFinanceInsurance

Description

Safety Insurance Group, Inc. (‘Safety’) provides private passenger automobile, commercial automobile, and homeowners insurance in Massachusetts. In addition to these coverages, the company offers a portfolio of other insurance products, including dw…

Analysis

Middle-of-the-road

Safety Insurance Group, Inc. sits in the middle of our grid: average quality, average price, no obvious signal in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 16.1×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 8/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
17
2023202420252026

All-time high

41

Jan 2023

All-time low

17

Jun 2026

Average rank

28

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
84
56
41
48
Price/Earnings
15
50
32
28
Price/Book
70
74
65
58
Dividend Yield
1
98
98
98
Value (overall)
39
63
70
64

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare Safety Insurance with its peers
Mercury General
NYQ:MCY
99
CountryUSA
IndustryInsurance
SizeMedium
Full Stock Analysis →
Kingstone Companies
NAQ:KINS
94
CountryUSA
IndustryInsurance
SizeSmall
Full Stock Analysis →
Old Republic
NYQ:ORI
39
CountryUSA
IndustryInsurance
SizeMedium
Full Stock Analysis →
NI
NAQ:NODK
24
CountryUSA
IndustryInsurance
SizeSmall
Full Stock Analysis →
Donegal
NSQ:DGICA
43
CountryUSA
IndustryInsurance
SizeSmall
Full Stock Analysis →
AFG
NYQ:AFG
13
CountryUSA
IndustryInsurance
SizeLarge
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →