Safety Insurance Group, Inc.

Safety Insurance Group, Inc.

SAFTยทNASDAQ

$68.19

-1.6%
Financial ServicesInsurance - Property & Casualty

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.

At a Glance

Live Snapshot
Market Cap$1.00B
EPS6.7200
P/E Ratio10.15
Earnings Date08/05/2026
Safety Insurance Group, Inc.

Safety Insurance Group, Inc. Fair Value Envelope

SAFT ยท NASDAQ

Our analysis suggests that SAFT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $68.195, this represents a potential HIDDEN relative to our calculated worth for Safety Insurance Group, Inc..

Intrinsic Value
Current Price: $68.195

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$140.3B
+ Cash & Equivalents$73.9M
Firm Value$140.3B
- Debt$61.9M
Equity Value$140.3B
/ Shares Outstanding14,894,200B
DCF Value$9.4K
UNDERVALUED BY 13710%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$300.4M
$463.8M
$716.3M
$1.1B
$1.7B
$2.6B
$4.1B
$6.3B
$9.7B
$15.0B
Maintenance CapEx
-$774.6K
-$1.2M
-$1.8M
-$2.9M
-$4.4M
-$6.8M
-$10.5M
-$16.2M
-$25.1M
-$38.7M
Owner Earnings
$299.6M
$462.7M
$714.5M
$1.1B
$1.7B
$2.6B
$4.1B
$6.3B
$9.7B
$15.0B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$277.4M
$396.6M
$567.2M
$811.0M
$1.2B
$1.7B
$2.4B
$3.4B
$4.8B
$6.9B
Terminal Value represents 84.0% of Enterprise Value