← SAFETY INSURANCE GROUP INC SAFT
Market Price
$103.37
Market Cap
$1.52B
P/E Ratio
15.43
Revenue (FY 2025)
↑12.8% YoY
$1.26B
3-Yr CAGR: 16.6%
Net Income
↑40.3% YoY
$99.25M
Net Margin: 7.9%
Free Cash Flow
↑54.4% YoY
$191.99M
FCF Yield: 12.62%
EPS (Diluted)
↑40.2% YoY
$6.70
Basic: $6.72
Return on Equity
Efficiency
11.1%
ROA: 4.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (SAFT)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $819.8M | — | $326.3M | $64.6M | — | $4.27 | — | $98.8M | $93.9M | — |
| FY 2017 | $839.1M | +2.4% | $335.1M | $62.4M | -3.4% | $4.10 | -4.0% | $82.0M | $76.1M | -19.0% |
| FY 2018 | $836.5M | -0.3% | $350.9M | $83.2M | +33.4% | $5.43 | +32.4% | $127.7M | $116.5M | +53.1% |
| FY 2019 | $877.8M | +4.9% | $367.8M | $99.6M | +19.7% | $6.46 | +19.0% | $112.5M | $102.9M | -11.7% |
| FY 2020 | $846.2M | -3.6% | $441.3M | $138.2M | +38.8% | $9.18 | +42.1% | $109.5M | $99.5M | -3.3% |
| FY 2021 | $884.9M | +4.6% | $422.7M | $130.7M | -5.4% | $8.80 | -4.1% | $141.4M | $133.2M | +33.8% |
| FY 2022 | $797.6M | -9.9% | $305.1M | $46.6M | -64.4% | $3.15 | -64.2% | $44.3M | $42.2M | -68.3% |
| FY 2023 | $931.0M | +16.7% | $287.8M | $18.9M | -59.5% | $1.28 | -59.4% | $52.1M | $50.3M | +19.2% |
| FY 2024 | $1,120.0M | +20.3% | $402.9M | $70.7M | +274.7% | $4.78 | +273.4% | $128.7M | $124.3M | +147.0% |
| FY 2025 | $1,263.7M | +12.8% | $465.0M | $99.3M | +40.3% | $6.70 | +40.2% | $194.5M | $192.0M | +54.4% |
Valuation
Market Price
$103.37
Market Cap
$1.52B
Enterprise Value
$1.50B
P/E Ratio
15.43
P/B Ratio
1.70
FCF Yield
12.62%
Dividend Yield
6.50%
Shares Outstanding
Profitability & Margins
Gross Margin
36.80%
Operating Margin
10.02%
Net Margin
7.85%
Return on Equity (ROE)
11.12%
Return on Assets (ROA)
4.02%
Asset Turnover
0.51x
Revenue 3-Yr CAGR
16.58%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.056
Debt / Assets
0.020
Cash & Equivalents
$73.90M
Total Debt
$50.00M
Book Value / Share
$60.77
Cash Flow Efficiency
Operating Cash Flow
$194.50M
Capital Expenditures (CapEx)
$2.51M
Free Cash Flow
$191.99M
OCF / Revenue
15.39%
FCF / Revenue
15.19%
FCF 3-Yr CAGR
65.66%
Per Share Metrics
EPS (Diluted)
$6.70
EPS (Basic)
$6.72
Dividends / Share
$6.72
Book Value / Share
$60.77
EPS YoY Growth
40.17%
Balance Sheet (FY 2025)
Total Assets
$2.47B
Total Liabilities
$1.58B
Stockholders' Equity
$892.31M
Current Assets
N/A
Current Liabilities
N/A