📊 SAFT Key Takeaways
Is Safety Insurance Group Inc. (SAFT) a Good Investment?
Safety Insurance Group is unprofitable and burning cash operationally despite extraordinary revenue growth (+1795% YoY), suggesting acquisition-driven scale without earnings quality. With negative operating cash flow (-17.0M), minimal cash reserves (54.8M), and continued losses, the company faces near-term financial pressure unless it rapidly achieves profitability.
Safety Insurance Group Inc. Key Strengths (SAFT)
- Low leverage with 0.06x debt-to-equity ratio provides financial flexibility
- Exceptional revenue growth of 1795% YoY indicates material business expansion or successful acquisition integration
- Slight net income improvement YoY (+0.5%) suggests early stabilization despite scale-up
SAFT Stock Risks: Safety Insurance Group Inc. Investment Risks
- Persistent unprofitability: net loss of 14.3M and negative operating income of -17.9M
- Negative operating cash flow (-17.0M) and negative free cash flow (-18.9M) indicating core business cash burn
- Minimal cash position (54.8M) relative to 2.4B asset base creates liquidity vulnerability
- Unexplained 1795% revenue growth lacks sustainability clarity; extraordinary growth without profitability suggests structural operational issues
- Negative interest coverage (-145.2x) indicates inability to service debt from operations
Key Metrics to Watch
- Combined loss ratio and underwriting profitability trend
- Operating cash flow return to positive and trajectory toward breakeven
- Cash burn rate and time-to-profitability at current revenue base
Safety Insurance Group Inc. (SAFT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SAFT Profit Margin, ROE & Profitability Analysis
SAFT vs Finance Sector: How Safety Insurance Group Inc. Compares
How Safety Insurance Group Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Safety Insurance Group Inc. Stock Overvalued? SAFT Valuation Analysis 2026
Based on fundamental analysis, Safety Insurance Group Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Safety Insurance Group Inc. Balance Sheet: SAFT Debt, Cash & Liquidity
SAFT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Safety Insurance Group Inc.'s revenue has grown significantly by 43% over the 5-year period, indicating strong business expansion. The most recent EPS of $1.28 reflects profitable operations.
SAFT Revenue Growth, EPS Growth & YoY Performance
SAFT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $301.4M | -$14.3M | $-0.99 |
| Q3 2025 | $295.3M | $16.6M | $1.73 |
| Q2 2025 | $269.8M | $16.6M | $1.13 |
| Q1 2025 | $268.2M | $20.1M | $1.36 |
| Q3 2024 | $229.4M | $1.9M | $0.13 |
| Q2 2024 | $229.4M | $4.7M | $0.31 |
| Q1 2024 | $213.8M | -$12.3M | $-0.84 |
| Q3 2023 | $192.3M | $1.9M | $0.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Safety Insurance Group Inc. Dividends, Buybacks & Capital Allocation
SAFT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Safety Insurance Group Inc. (CIK: 0001172052)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SAFT
What is the AI rating for SAFT?
Safety Insurance Group Inc. (SAFT) has an AI grade of C with 75% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SAFT's key strengths?
Claude: Low leverage with 0.06x debt-to-equity ratio provides financial flexibility. Exceptional revenue growth of 1795% YoY indicates material business expansion or successful acquisition integration.
What are the risks of investing in SAFT?
Claude: Persistent unprofitability: net loss of 14.3M and negative operating income of -17.9M. Negative operating cash flow (-17.0M) and negative free cash flow (-18.9M) indicating core business cash burn.
What is SAFT's revenue and growth?
Safety Insurance Group Inc. reported revenue of $314.7M.
Does SAFT pay dividends?
Safety Insurance Group Inc. pays dividends, with $13.6M distributed to shareholders in the trailing twelve months.
Where can I find SAFT SEC filings?
Official SEC filings for Safety Insurance Group Inc. (CIK: 0001172052) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SAFT's EPS?
Safety Insurance Group Inc. has a diluted EPS of $-0.99.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SAFT's fundamental grade?
Based on our AI fundamental analysis in May 2026, Safety Insurance Group Inc. has a C grade with 75% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SAFT stock overvalued or undervalued?
Valuation metrics for SAFT: ROE of -1.7% (sector avg: 12%), net margin of -4.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SAFT's AI grade for 2026?
Our dual AI analysis gives Safety Insurance Group Inc. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SAFT's free cash flow?
Safety Insurance Group Inc.'s operating cash flow is $-17.0M, with capital expenditures of $1.8M. FCF margin is -6.0%.
How does SAFT compare to other Finance stocks?
Vs Finance sector averages: Net margin -4.6% (avg: 25%), ROE -1.7% (avg: 12%), current ratio N/A (avg: 1.2).