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
3Y+339.0%
5Y+78.0%
10Y+97.0%
3Y+529.0%
5Y+254.0%
10Y+49.0%
3Y-14.0%
5Y-17.0%
10Y+28.0%
SAFT

Safety Insurance Group, Inc. Cash Conversion Engine

SAFT ยท NASDAQ
Net Income99.25M
Depreciation & Amortization-1.57M
Stock-Based Compensation4.83M
Change in Working Capital103.90M
Others-9.99M
Capital Expenditures-2.51M
Free Cash Flow191.99M

Cash Flow Quality Analysis

FCF Conversion Rate

193.4%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

1.3%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+54.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$103.90M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Safety Insurance Group, Inc. Cash Flow Statement

SAFT โ€ข NASDAQ

Safety Insurance Group, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
99.3M
70.7M
18.9M
46.6M
130.7M
138.2M
99.6M
83.2M
62.4M
64.6M
-13.9M
59.4M
61.4M
58.1M
13.7M
56.3M
54.2M
70.3M
87.4M
111.9M
-1.6M
9.5M
6.9M
6.6M
6.9M
7.5M
5.5M
5.5M
5M
14.1M
12.6M
13.1M
12.3M
14.3M
13.6M
12.5M
12M
11.3M
10M
8.5M
-1.9M
380K
1.7M
-8.4M
5.3M
5.2M
4.8M
-5.6M
2.1M
1.7M
552K
-602K
1.9M
1M
-693K
3M
-3M
315K
1.1M
792K
4.8M
4.5M
4.3M
6M
6.3M
7.5M
6M
6.6M
5.2M
4.3M
3.7M
4.6M
4.5M
4.4M
0.0
0.0
0.0
0.0
0.0
0.0
-10M
-18.5M
-13.2M
28.5M
-41M
-5.7M
-19.5M
17.9M
-900K
798K
796K
-1.1M
-1.7M
1M
-4.4M
-872K
167K
-678K
3.6M
-23K
(0.0)
(16.5M)
(6.1M)
(19.1M)
(29.2M)
(31.1M)
(26.8M)
(20.1M)
(23.7M)
(9.8M)
(89K)
(23.7M)
(18.9M)
(19.7M)
(4.3M)
(28.3M)
(14.1M)
(32.4M)
(0.0)
(0.0)
103.9M
62.2M
33.5M
-34.9M
33.2M
-43.2M
16.1M
20.1M
8.3M
26.4M
24.7M
26.8M
37M
32.9M
17.7M
-19.9M
725K
-8.3M
14.6M
-19.6M
194.5M
128.7M
52.1M
44.3M
141.4M
109.5M
112.5M
127.7M
82M
98.8M
22.9M
97.6M
110.9M
104.3M
39.9M
51.1M
64.1M
72.8M
116.8M
101.2M
INVESTING ACTIVITIES
-2.5M
-4.4M
-1.8M
-2.1M
-8.2M
-9.9M
-9.6M
-11.2M
-6M
-4.9M
-4M
-1.8M
-4.9M
-4.2M
-4.4M
-2.4M
-335K
-113.9M
-8M
-1M
(0.0)
-2.1M
-2.1M
-17.6M
-1.5M
-23.7M
(14.8M)
(5M)
-18.5M
(49.3M)
-54.5M
(19.1M)
(0.0)
-5.1M
-25.7M
(0.0)
-18.5M
(21.1M)
(67.1M)
(0.0)
-122.1M
-356.7M
-161.6M
-287.5M
-447.7M
-278.9M
-263.3M
-378.1M
-240.2M
-330.5M
-258.8M
-266.8M
-275.3M
-343M
-358.1M
-360.9M
-206.1M
-89M
-288.7M
-357.8M
20M
308.6M
189.8M
287.2M
389.9M
253.3M
219.9M
306.3M
231.2M
251.2M
286.7M
220.1M
228.9M
272.8M
349.6M
308.8M
222.9M
174M
221.9M
128.3M
-21.1M
0.0
0.0
0.0
1.5M
23.7M
-14.8M
-5M
18.5M
-49.3M
54.5M
-19.1M
3K
5.1M
25.7M
9K
18.5M
-21.1M
-67.1M
23K
-125.7M
-54.5M
(24.3M)
-20M
-66M
-35.5M
-53M
-83M
-14.9M
-84.3M
(23.8M)
-48.5M
-51.3M
-74.4M
-12.9M
-54.4M
(16.5M)
-28.9M
-74.8M
-230.4M
FINANCING ACTIVITIES
-20M
0.0
-5.2M
-14.6M
-11.6M
-40M
0.0
0.0
0.0
0.0
0.0
-23.5M
-4.8M
0.0
-43K
-5.8M
-42.2M
-5.9M
-1.6M
6.2M
20M
0.0
-5M
5M
0.0
30M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-53.9M
-53.3M
-53.3M
-53M
-54M
-54.6M
-52.7M
-48.8M
-45.5M
-42.3M
-42M
-39.3M
-36.9M
-33.6M
-30.3M
-27.1M
-24.8M
-26M
-21M
-13.7M
-20M
(0.0)
-5.2M
-14.6M
-11.6M
-40M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-23.5M
-4.8M
(0.0)
-43K
-5.8M
-42.2M
-5.9M
-1.6M
(0.0)
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
251K
279K
300K
2.6M
1.2M
900K
57K
486K
0.0
0.0
0.0
-53.9M
-53.3M
-63.5M
-62.6M
-65.6M
-64.6M
-52.7M
-48.8M
-45.5M
-42M
-41.7M
-62.5M
-39.1M
-32.4M
-29.5M
-30.9M
-66.6M
-29.8M
-22M
-7.6M
CASH FLOW SUMMARY
14.9M
20.8M
12.9M
-38.3M
9.8M
9.4M
6.8M
-4.1M
21.7M
-27.4M
5M
-13.4M
20.5M
-2.5M
-2.4M
-34.2M
14M
14.1M
20M
-136.7M
59M
38.2M
25.3M
63.6M
53.8M
44.4M
37.6M
41.7M
20.1M
47.5M
42.5M
55.9M
35.4M
37.9M
40.3M
74.5M
60.5M
46.3M
26.3M
163M
73.9M
59M
38.2M
25.3M
63.6M
53.8M
44.4M
37.6M
41.7M
20.1M
47.5M
42.5M
55.9M
35.4M
37.9M
40.3M
74.5M
60.5M
46.3M
26.3M
192M
124.3M
50.3M
42.2M
133.2M
99.5M
102.9M
116.5M
76.1M
93.9M
18.9M
95.8M
105.9M
100.1M
35.6M
48.7M
63.7M
-41.1M
108.8M
100.2M

SEC Filings

SAFT - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 14, 2026
May 13, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 06, 2026
May 06, 2026
2026
DEF 14A

DEF 14A 2025

N/A

March 31, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 25, 2026
February 25, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

November 03, 2025
November 03, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 08, 2025
June 30, 2025
2025
8-K

8-K 2025

N/A

August 06, 2025
August 06, 2025
2025
Showing 1 to 10 of 268 filings