tradmap

SAFT Financials SAFETY INSURANCE GROUP INC

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Revenue has grown 8.4% per year over the past 5 years.
  • Net income has grown slower than revenue (-6.4% vs 8.4% per year).
  • Free cash flow has grown 14.0% per year over the past 5 years.

Financial health

  • The company holds more cash ($74M) than total debt ($50M).
  • Total debt has grown faster than revenue (29.1% vs 8.4% per year).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 54.3% of earnings and 28.1% of free cash flow.
  • The dividend has declined 0.3% per year over the past 5 years.
Revenue & net income
-$14M $625M $1B $0 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
-2% 7% 16% 0% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $96M $192M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $37M $74M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$126M $34M $194M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
2025 $1.3B $99M 0.0% 0.0% $192M $50M $74M
2024 $1.1B $71M 0.0% 0.0% $124M — $59M
2023 $931M $19M 0.0% 0.0% $50M $30M $38M
2022 $798M $47M 0.0% 0.0% $42M — $25M
2021 $885M $131M 0.0% 0.0% $133M — $64M
2020 $846M $138M 0.0% 0.0% $100M — $54M
2019 $878M $100M 0.0% 0.0% $103M — $44M
2018 $836M $83M 0.0% 0.0% $117M — $38M
2017 $839M $62M 0.0% 0.0% $76M — $42M
2016 $820M $65M 0.0% 0.0% $94M — $20M
2015 $798M -$14M 0.0% 0.0% $19M — $47M
2014 $779M — 0.0% 0.0% — — $42M
2013 $745M — 0.0% 0.0% — — $56M
2012 $704M $58M 0.0% 0.0% $100M — $35M
2011 $660M $14M 0.0% 0.0% $35M — $38M

Valuation over time

How the market has priced SAFT against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 34.4 68.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 0.7 1.4 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 2.6 5.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
Dividend yield %

Frequently asked questions

Is SAFT growing its revenue and profit?

Over the past 5 years, SAFETY INSURANCE GROUP INC's revenue has grown 8.4% per year, and net income declined 6.4% per year. These are computed facts, not advice.

How much debt does SAFT have?

As of FY2025, SAFETY INSURANCE GROUP INC reported $50M of total debt against $74M of cash.

What is SAFT's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin 7.9%.

What is SAFT's P/E ratio?

As of Jun '26, SAFETY INSURANCE GROUP INC traded at a price-to-earnings ratio of about 10.7× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.