P/E 22.3 — expensive vs Financial Services peers (≈90th pctile)
ROE7.8%C+
ROE 7.8% — subdued returns on equity
P/B1.74B
P/B 1.74 — fair; a premium the market pays for returns
Yield3.5%B+
Yield 3.5% — healthy income
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 51.8 / 100
Profitability46.4
Value (P/B)56.9
Income55.5
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeNear 52-week high
0% off the 12-month high
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Safety Insurance’s 13% YoY revenue growth in its core Massachusetts private passenger auto and homeowner lines fuels a compounding earnings engine, while its ultra‑low debt‑to‑equity of 0.07 gives it financial slack to reinvest. A PEG of 0.95 shows the market is already pricing growth modestly, yet the 22.3 × PE still leaves upside as margins expand. The thesis rests on sustained regional market share gains that keep the growth trajectory alive.
Moat
SAFT’s moat comes from deep local distribution relationships and regulatory licensing that make it costly for customers to switch insurers for private passenger auto and homeowner policies in Massachusetts. This geographic concentration creates high switching costs and a cost advantage in underwriting, while the company’s ultra‑low beta of 0.17 reflects the stability of its niche market.
Risk
The bear case hinges on the thin 5.3% profit margin and modest 7.8% ROE, which could be squeezed if competitive pricing pressure intensifies in the state, and the 22.3 × PE suggests the stock may already be premium to peers. A slowdown in revenue growth below the current 13% would trigger margin compression and validate a lower valuation, breaking the bull thesis.
Horizon
1-3 yr $119.36 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $174.75 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $259.23 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · SAFT
Not enough history yet — the model records SAFT's score after each daily run, and the chart appears once a few days have accumulated.
SAFT at a glance
Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.
Analyst estimate revisions
30-day change
+0.0%
90-day change
+0.0%
Forward EPS estimate
$6.25
Over the last 90 days, what analysts expect SAFT to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Position sizing · SAFT
$
%
%
Shares to buy
19
Position size
$1,972
3.9% of portfolio
Stop price
$77.84
25% below $103.79
$ at risk if stopped
$493.00
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Safety Insurance Group, Inc. (SAFT): score, valuation & FAQ
Safety Insurance Group, Inc. (SAFT) is a Insurance - Property & Casualty company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are Rev (B+) and Yield (B+).
Is SAFT a good stock to buy?
Bull Rankings grades SAFT on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by Rev (B+) and Yield (B+). A score is a quantitative screen of Safety Insurance Group, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade SAFT?
As a bank, insurer or REIT, SAFT isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on Rev (B+) and Yield (B+).
Is SAFT overvalued or undervalued?
We don't compute a reliable discounted-cash-flow value for SAFT — typically because it is not yet consistently profitable or free-cash-flow positive — so its valuation rests on growth and price-to-sales rather than on earnings-based intrinsic value. Judge it on the trajectory of the business, not a single multiple.
What are the main risks of investing in SAFT?
The bear case hinges on the thin 5.3% profit margin and modest 7.8% ROE, which could be squeezed if competitive pricing pressure intensifies in the state, and the 22.3 × PE suggests the stock may already be premium to peers. A slowdown in revenue growth below the current 13% would trigger margin compression and validate a lower valuation, breaking the bull thesis.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.