Safety Insurance Group, Inc.

NasdaqGS:SAFT 주식 리포트

시가총액: US$1.1b

Safety Insurance Group 향후 성장

Future 기준 점검 0/6

현재 Safety Insurance Group 의 성장과 수익을 예측할 만큼 분석가의 범위가 충분하지 않습니다.

핵심 정보

n/a

이익 성장률

n/a

EPS 성장률

Insurance 이익 성장2.0%
매출 성장률n/a
향후 자기자본이익률n/a
애널리스트 커버리지

None

마지막 업데이트n/a

최근 향후 성장 업데이트

업데이트 없음

Recent updates

Seeking Alpha • Mar 16

Safety Insurance: Improving Combined Ratio Makes Story Appealing Again (Rating Upgrade)

Summary Safety Insurance Group delivered strong 2025 results, with net income of $99.3M and EPS of $6.72, driven by robust premium growth and investment income. SAFT improved its combined ratio to 99% from 101.1% in 2024, signaling strengthening underwriting discipline and enhanced earnings potential. The dividend is well covered by earnings, with a current annualized payout of $3.68 and a low payout ratio supporting tangible book value growth. SAFT's investment portfolio yields 4.2%, with a significant allocation to RMBS, CMBS, and corporate bonds, positioning it to benefit from higher reinvestment rates. Read the full article on Seeking Alpha
분석 기사 • Jan 07

Safety Insurance Group, Inc.'s (NASDAQ:SAFT) Shares Not Telling The Full Story

When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") above 20x, you may...
분석 기사 • Jul 08

Earnings Working Against Safety Insurance Group, Inc.'s (NASDAQ:SAFT) Share Price

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) price-to-earnings (or "P/E") ratio of 15.6x might make it look like a...
분석 기사 • May 11

Safety Insurance Group (NASDAQ:SAFT) Is Paying Out A Dividend Of $0.90

Safety Insurance Group, Inc. ( NASDAQ:SAFT ) will pay a dividend of $0.90 on the 13th of June. The dividend yield will...
분석 기사 • May 08

This Is Why Shareholders Will Hold Back On A Pay Rise For Safety Insurance Group, Inc.'s (NASDAQ:SAFT) CEO This Year

Key Insights Safety Insurance Group will host its Annual General Meeting on 14th of May Total pay for CEO George Murphy...
분석 기사 • Feb 23

Safety Insurance Group (NASDAQ:SAFT) Has Affirmed Its Dividend Of $0.90

Safety Insurance Group, Inc. ( NASDAQ:SAFT ) will pay a dividend of $0.90 on the 14th of March. Based on this payment...
Seeking Alpha • Jan 21

Safety Insurance Vs. Mercury General: A Tale Of Two Insurers

Summary Safety Insurance shows improvement but still struggles with underwriting losses; maintaining a "HOLD" rating due to ongoing challenges and valuation concerns. Mercury General has turned a corner with better underwriting results, but California wildfires pose significant risks to its recovery. Safety Insurance's dividend remains secure, supported by investment income, but the focus should be on improving underwriting margins. Both insurers face uncertainties; Safety's valuation seems high given its struggles, while Mercury may rebound post-wildfire impact. Read the full article on Seeking Alpha
분석 기사 • Nov 09

Safety Insurance Group (NASDAQ:SAFT) Is Paying Out A Dividend Of $0.90

Safety Insurance Group, Inc. ( NASDAQ:SAFT ) has announced that it will pay a dividend of $0.90 per share on the 13th...
분석 기사 • Oct 17

Earnings Not Telling The Story For Safety Insurance Group, Inc. (NASDAQ:SAFT)

With a price-to-earnings (or "P/E") ratio of 24.5x Safety Insurance Group, Inc. ( NASDAQ:SAFT ) may be sending bearish...
Seeking Alpha • Aug 15

Comparing Safety Insurance And Mercury General: Q2 2024 Results Highlight Diverging Paths

Summary Safety Insurance struggled with underwriting losses in the first half of 2024 despite improvements in Q2, highlighting ongoing challenges in its portfolio. Mercury General has shown signs of recovery, achieving a combined ratio below 100% in the first half of 2024, positioning itself more favorably compared to Safety Insurance. Although Safety Insurance’s dividend remains covered due to higher investment income, the company’s elevated valuation may face pressure if portfolio remediation efforts don’t succeed. Read the full article on Seeking Alpha
분석 기사 • Aug 11

Safety Insurance Group (NASDAQ:SAFT) Is Paying Out A Dividend Of $0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of $0.90 per share on 13th of...
분석 기사 • May 12

Safety Insurance Group (NASDAQ:SAFT) Is Due To Pay A Dividend Of $0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of $0.90 per share on 14th of...
분석 기사 • Mar 16

Some Confidence Is Lacking In Safety Insurance Group, Inc.'s (NASDAQ:SAFT) P/E

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) price-to-earnings (or "P/E") ratio of 64.9x might make it look like a...
분석 기사 • Nov 05

Safety Insurance Group (NASDAQ:SAFT) Is Paying Out A Dividend Of $0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of $0.90 per share on 15th of...
분석 기사 • Aug 28

Safety Insurance Group (NASDAQ:SAFT) Has Affirmed Its Dividend Of $0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of $0.90 per share on 15th of...
분석 기사 • Aug 06

Safety Insurance Group's (NASDAQ:SAFT) Dividend Will Be $0.90

The board of Safety Insurance Group, Inc. ( NASDAQ:SAFT ) has announced that it will pay a dividend on the 15th of...
분석 기사 • May 22

Safety Insurance Group (NASDAQ:SAFT) Is Due To Pay A Dividend Of $0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of $0.90 per share on 15th of...
분석 기사 • May 07

Safety Insurance Group (NASDAQ:SAFT) Has Announced A Dividend Of $0.90

The board of Safety Insurance Group, Inc. ( NASDAQ:SAFT ) has announced that it will pay a dividend on the 15th of...
분석 기사 • Nov 22

Safety Insurance Group (NASDAQ:SAFT) Has Announced A Dividend Of $0.90

Safety Insurance Group, Inc. ( NASDAQ:SAFT ) has announced that it will pay a dividend of $0.90 per share on the 15th...
Seeking Alpha • Aug 26

Safety Insurance: Sound Despite Inflationary Headwinds

Summary Safety Insurance Group, Inc. faces headwinds as inflation affects its demand and investment portfolio. Its financial and market positioning remains solid and flexible. Dividends are stable and well-covered. The stock price is now in an uptrend after its recent pullback. Safety Insurance Group, Inc. (SAFT) is a Boston-based company that provides automobile, home, and private passenger insurance in the US. It covers physical injuries and property damages of insured vehicles and houses. It employs independent agents to sell its insurance products. It has a market capitalization of $1.37 billion, making it a part of the S&P 600. It remains a popular insurance provider in Massachusetts. But, it faces more challenges that hammer its core operations. Its growth has gone into a lull with lower revenues and margins. Even so, its strong positioning allows it to endure the blow of macroeconomic pressures. It also has an adequate financial capacity to cover its borrowings and dividends. Meanwhile, investors see a solid stock price rebound but must watch out for potential overvaluation. Company Performance Safety Insurance Group, Inc. was not an exemption from the pandemic disruptions in 2020. It could be attributed to the restrictions that limited business transactions. It was a horrible year for the auto industry. It was the most sluggish year since the Global Financial Crisis. So, it was not a surprise to see its spillovers on the auto insurance industry. But, its strong rebound in the latter part came as a surprise and extended to auto insurance providers. SAFT had the same trend, allowing it to bounce back to pre-pandemic levels. However, 2022 is another challenging year for Safety Insurance Group, Inc. As the economy bounces back and reopens, the demand across industries skyrockets. It leads to increased market activity where demand appears to exceed the supply. It is more evident in the house and auto industries, leading to high-flying prices. Although the demand is still high, sales are starting to cool down. But, inflation has an impact on the affordability of its products. Inflationary pressures pose more headwinds as its growth slows down. That is why the demand for premiums and renewal counts are lower than in the comparative quarter. Premiums earned amount to $188 million, a 4% year-over-year decrease. It is due to the decrease in policy counts both from lower purchases and renewals. It is more evident in the auto insurance segment. Amidst the slow-moving core operations, auto insurance in Massachusetts, including SAFT is raising rates to offset the lower demand. Inflationary pressures are also downgrading its investment portfolio. In fact, the headwinds are more evident in its investment securities. These are mortgage and equity-based securities, but the impact is more visible in the latter. In general, these securities become less appealing during interest rate hikes. It decreases their fair value, leading to lower yields. The same goes for SAFT as its investment securities amount to $1.42 billion vs $1.57 billion in 2Q 2021. So, the unrealized valuation of its equity securities turns out to be a loss of -$28.9 billion vs $8.7 billion. The operating revenue of the company amounts to $182 million vs $220 million. Operating Revenue and Claims and Reserves (MarketWatch) Despite the gloomy core operations and higher claims, the company exudes better expense management. Its underwriting discipline and efficient asset management help lower its operating expenses. But, its enhanced efficiency cannot offset the substantial decrease in revenues. The operating margin is only 4.8% vs 20.4% in 2Q 2021. The good thing about it is that it remains viable, better than in 1Q 2022. It shows that it now has a better grasp of its operations in a high-inflation environment. Its rebound may not be easy, but its fundamentals remain solid and intact. It may also improve and regain its footing once the macroeconomic indicators stabilize. Operating Margin (MarketWatch) Why Safety Insurance Group, Inc. May Still Bounce Back Inflationary pressures are causing massive headwinds in the insurance industry. But, its impressive expense management and maintained viability show resilience. SAFT remains enduring despite the interest rate hike that lowers policy counts and investment security valuation. Despite the decrease in cash inflows, cash levels and borrowings remain stable. It maintains a solid liquidity position with cash and investments comprising 74% of the total assets. So, it may have more yields once the interest and mortgage rates become more stable. Their combined value is higher than the combined value of borrowings and insurance liabilities. So, it can make a single payment to all its lenders and policyholders. Even so, their differences narrow, leading to a lower book value. Cash and Cash Equivalents and Borrowings and Insurance Liabilities (MarketWatch) Another thing to consider is its competitive advantage. With the increased house and auto demand and prices, home and auto insurance go with the same trend. The cool down and house and auto sales and the decrease in affordability of home and auto insurance lower its demand. This factor provides SAFT with a competitive advantage. Its home and auto insurance prices are $1,153 and $824, respectively. Both segments have lower prices than the state and national average. Its auto insurance price is less than half of the national average. So, SAFT has more flexibility to adjust its prices and offset the lower policy counts. Its demand may improve faster than its peers. Home Insurance and Auto Insurance Prices (Bankrate) Aside from its prices, the preference for private cars may help maintain its market positioning. Although auto prices and sales are higher, the demand may remain high. The restrictions and pandemic fear make driving a private vehicle more convenient. Note that many businesses are either requiring employees to return to the office or implementing hybrid work setups. These increase the number of passengers in the US. In a survey, 76% choose cars, 11% use public transportation, while 13% use bicycles, and other options. Many auto owners in the US may treat auto insurance as a staple.
분석 기사 • Aug 08

Safety Insurance Group (NASDAQ:SAFT) Is Due To Pay A Dividend Of $0.90

Safety Insurance Group, Inc. ( NASDAQ:SAFT ) will pay a dividend of $0.90 on the 15th of September. The dividend yield...
Seeking Alpha • Aug 03

Safety Insurance GAAP EPS of $0.53, revenue of $11.63M

Safety Insurance press release (NASDAQ:SAFT): Q2 GAAP EPS of $0.53. Net investment income of $11.63M (+19.0% Y/Y).
분석 기사 • May 08

Safety Insurance Group (NASDAQ:SAFT) Will Pay A Dividend Of US$0.90

The board of Safety Insurance Group, Inc. ( NASDAQ:SAFT ) has announced that it will pay a dividend on the 15th of...
분석 기사 • Feb 19

Safety Insurance Group (NASDAQ:SAFT) Will Pay A Dividend Of US$0.90

Safety Insurance Group, Inc.'s ( NASDAQ:SAFT ) investors are due to receive a payment of US$0.90 per share on 15th of...

이 섹션에서는 일반적으로 전문 애널리스트들의 컨센서스 추정치를 기반으로 매출 및 이익 성장 전망을 제시하여 투자자들이 회사의 수익 창출 능력을 이해하도록 돕습니다. 그러나 Safety Insurance Group는 과거 데이터가 충분하지 않고 애널리스트 예측도 없어, 과거 데이터를 단순히 외삽하거나 애널리스트 전망을 사용하여 향후 이익을 신뢰할 수 있게 계산할 수 없습니다.

Simply Wall St가 다루는 기업 중 97%는 과거 재무 데이터를 보유하고 있기 때문에, 이는 상당히 드문 상황입니다.

이익 및 매출 성장 예측

NasdaqGS:SAFT - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
3/31/20261,27764170174N/A
12/31/20251,264100192194N/A
9/30/20251,23187171171N/A
6/30/20251,20084159160N/A
3/31/20251,15373151153N/A
12/31/20241,12071124129N/A
9/30/20241,09275109113N/A
6/30/20241,026516570N/A
3/31/2024985514044N/A
12/31/2023931195052N/A
9/30/2023899313638N/A
6/30/2023862352931N/A
3/31/2023816264547N/A
12/31/2022798464244N/A
9/30/2022797555154N/A
6/30/2022819737579N/A
3/31/2022858103108114N/A
12/31/2021885131133141N/A
9/30/2021894152135144N/A
6/30/2021902172137147N/A
3/31/2021887177141150N/A
12/31/2020846139100109N/A
9/30/2020835113108119N/A
6/30/202082884112124N/A
3/31/2020836678192N/A
12/31/201987899N/A112N/A
9/30/201985789N/A107N/A
6/30/2019857103N/A117N/A
3/31/2019849103N/A122N/A
12/31/201883683N/A128N/A
9/30/201884776N/A122N/A
6/30/201884465N/A89N/A
3/31/201884459N/A79N/A
12/31/201783962N/A82N/A
9/30/201783363N/A73N/A
6/30/201783063N/A86N/A
3/31/201782564N/A98N/A
12/31/201682064N/A99N/A
9/30/201681463N/A109N/A
6/30/201680556N/A88N/A
3/31/201680034N/A35N/A
12/31/2015798-14N/A23N/A
9/30/2015796-14N/A21N/A
6/30/2015790-11N/A38N/A

애널리스트 향후 성장 전망

수입 대 저축률: SAFT 의 예상 수익 증가율이 절약률(3.5%)보다 높은지 판단하기에는 데이터가 부족합니다.

수익 vs 시장: SAFT 의 수익이 US 시장보다 빠르게 성장할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.

고성장 수익: SAFT 의 수익이 향후 3년 동안 상당히 증가할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.

수익 대 시장: SAFT 의 수익이 US 시장보다 빠르게 증가할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.

고성장 매출: SAFT 의 수익이 연간 20%보다 빠르게 증가할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: SAFT의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/21 04:44
종가2026/05/21 00:00
수익2026/03/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.

분석가 소스

Safety Insurance Group, Inc.는 3명의 분석가가 다루고 있습니다. 이 중 0명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Kenneth BillingsleyCompass Point Research & Trading, LLC
Vincent DeAugustinoKeefe, Bruyette, & Woods
Clifford GallantNomura Securities Co. Ltd.