profit from every $100 of sales.
$0$100
Safety Insurance Group
$104.47+0.12% today
+36.0% in 1 year
1-year low $68.201-year high $104.49
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $15.45 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Safety Insurance Group sold, what it kept, and what it did with the cash.
Sales went from $785 million in 2022 to $1.25 billion in 2025, with $99.3 million of profit last year.
SalesProfit
Safety Insurance Group handed back 38% of the cash it generated last year.
$54M
Free cash flow 2025$192M
Bought back its own shares$20M
Paid as dividends$54M
Cash vs. debt$74M vs. $62M
Safety Insurance Group vs. similar companies
Safety Insurance Group grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Safety Insurance Group | 15.5× · Fair price | ||
 Chubb | 13.9× · Cheap | ||
 The Progressive | 12.1× · Cheap | ||
 Tokio Marine Holdings | 15.9× · Fair price | ||
 The Travelers Companies | 13.1× · Cheap |
AI analysis
An AI analyst reads Safety Insurance Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 785 | 926 | 1,110 | 1,254 | |
| – | – | – | – | |
| – | – | – | – | |
| 67 | 32 | 100 | 135 | |
| 47 | 19 | 71 | 99 | |
| 3.15 | 1.28 | 4.78 | 6.70 | |
| – | – | – | – | |
| – | – | – | – | |
| 5.9% | 2.0% | 6.4% | 7.9% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,973 | 2,094 | 2,270 | 2,471 |
| Cash | 25 | 38 | 59 | 74 |
| Total debt | 58 | 50 | 46 | 62 |
| Total liabilities | 1,161 | 1,290 | 1,442 | 1,579 |
| 812 | 804 | 828 | 892 | |
| 15 | 15 | 15 | 15 | |
| 5.5% | 2.3% | 8.2% | 10.6% | |
| 5.7% | 2.3% | 8.5% | 11.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 44 | 52 | 129 | 194 | |
| 2 | 2 | 4 | 3 | |
| 42 | 50 | 124 | 192 | |
| Dividends paid | 53 | 53 | 53 | 54 |
| 15 | 5 | 0 | 20 | |
| 6 | 4 | 4 | 5 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 15.5×
- 15.5×
- 0.54
- 1.2×
- 1.2×
- 6.5%
- 5.3%
Profitability
- 7.9%
- 15.6%
- 7.9%
- 7.2%
- 2.6%
Growth
- +16.9%
- +28.6%
- +0.2%
- −0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 13%of 688
Bottom 22%of 540
Bottom 41%of 900
Top 26%of 908
Top 18%of 941
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 6, 2026 | -0.72 | 1.45 | −149.7% |
| Feb 25, 2026 | 1.51 | 1.28 | +18.0% |
| Nov 3, 2025 | 1.48 | 1.80 | −17.8% |
| Aug 6, 2025 | 1.45 | 1.60 | −9.4% |
| May 7, 2025 | 1.28 | 1.25 | +2.4% |
| Feb 25, 2025 | 0.94 | 1.17 | −19.7% |
| Nov 5, 2024 | 1.10 | 1.40 | −21.4% |
| Aug 7, 2024 | 1.18 | 1.30 | −9.2% |
5.3%of the share price, paid each year
On $1,000 invested$53a year at today's yield, before tax
+0.2%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$2.80 in 2015 → $3.64 in 2025
How safe it looks
54.3% of its profit
Room to growStretchedMore than it earns: 28.1%
News
Corporate Yield vs. Government Safety: Comparing Returns, Dividends, and Risk of VCLT and VGLTYahoo Finance · Nov 14, 2026Treasury Yields Creep Higher, But Nvidia Stock Slump Keeps Safety Bid in PlaceYahoo Finance · Nov 12, 2026Microsoft (MSFT) Signs Global AI Safety DeclarationYahoo Finance · Nov 10, 2026‘I have no financial safety net’: I’m 66, rely on Social Security and have just $500 in savings. What hope do I have?MarketWatch · Nov 8, 2026Have safety stocks already done all that they can do?Seeking Alpha · Nov 8, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
71Pass
Benjamin Graham
85Pass
Philip Fisher
68Pass
Peter Lynch
88Pass
Joel Greenblatt
47No pass
Charlie Munger
51No pass
Terry Smith
52No pass
Questions about Safety Insurance Group
Is Safety Insurance Group a good stock to buy?
A business with weak numbers at a fair price. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Safety Insurance Group AI analysis
What does Safety Insurance Group do?
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. It is in Insurance - Property & Casualty.
Does Safety Insurance Group pay a dividend?
Yes. At today's price the dividend is 5.3% a year, about 54% of its yearly profit. In 2025 it paid out $53.9 million in dividends.
Is Safety Insurance Group stock halal?
No. Safety Insurance Group does not pass our halal screen: its main business, conventional insurance, is not permitted. How we check
How has Safety Insurance Group stock done over the past year?
Up 36.0% over the past twelve months, to $104.47. It traded between $68.20 and $104.49, close to its high.
Who are Safety Insurance Group's competitors?
The largest listed companies in the same industry are Chubb, The Progressive, Tokio Marine Holdings and The Travelers Companies. The peers table on this page compares their profit, growth and price with Safety Insurance Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.