Is Safety Insurance Stock a Good Investment?
Safety Insurance Investment Advice | SAFT |
- Examine Safety Insurance's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Safety Insurance's leadership team and their track record. Good management can help Safety Insurance navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Property & Casualty Insurance space and any emerging trends that could impact Safety Insurance's business and its evolving consumer preferences.
- Compare Safety Insurance's performance and market position to its competitors. Analyze how Safety Insurance is positioned in terms of product offerings, innovation, and market share.
- Check if Safety Insurance pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Safety Insurance's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Safety Insurance Group stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Safety Insurance Group is a good investment.
Sell | Buy |
Strong Hold
Market Performance | Very Weak | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Safety Insurance Stock
Researching Safety Insurance's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 85.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.4. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Safety Insurance has Price/Earnings To Growth (PEG) ratio of 1.31. The entity last dividend was issued on the 3rd of March 2025.
To determine if Safety Insurance is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Safety Insurance's research are outlined below:
| Safety Insurance generated a negative expected return over the last 90 days | |
| Safety Insurance Group currently holds 45.73 M in liabilities with Debt to Equity (D/E) ratio of 0.07, which may suggest the company is not taking enough advantage from borrowing. Safety Insurance has a current ratio of 0.36, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Note, when we think about Safety Insurance's use of debt, we should always consider it together with its cash and equity. | |
| Over 85.0% of Safety Insurance shares are owned by institutional investors | |
| On 14th of March 2025 Safety Insurance paid $ 0.9 per share dividend to its current shareholders | |
| Latest headline from news.google.com: Safety Insurance Group Inc Q4 2024 Earnings EPS at 0.55, Revenue Surpasses 292 Million - GuruFocus.com |
Safety Insurance uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Safety Insurance Group. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Safety Insurance's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 28th of February 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact Safety Insurance's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Safety Insurance's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2003-05-14 | 2003-03-31 | 0.25 | 0.22 | -0.03 | 12 | ||
2010-05-05 | 2010-03-31 | 0.76 | 0.85 | 0.09 | 11 | ||
2003-08-08 | 2003-06-30 | 0.34 | 0.43 | 0.09 | 26 | ||
2010-11-02 | 2010-09-30 | 0.93 | 1.03 | 0.1 | 10 | ||
2018-02-26 | 2017-12-31 | 0.8 | 0.69 | -0.11 | 13 | ||
2009-03-09 | 2008-12-31 | 0.85 | 0.74 | -0.11 | 12 | ||
2023-02-22 | 2022-12-31 | 1.1 | 0.98 | -0.12 | 10 | ||
2013-05-06 | 2013-03-31 | 0.79 | 0.91 | 0.12 | 15 |
Know Safety Insurance's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Safety Insurance is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Safety Insurance Group backward and forwards among themselves. Safety Insurance's institutional investor refers to the entity that pools money to purchase Safety Insurance's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2024-12-31 | 166.2 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 161.6 K | Adage Capital Partners Gp Llc | 2024-12-31 | 153 K | Renaissance Technologies Corp | 2024-12-31 | 136.4 K | Amvescap Plc. | 2024-12-31 | 98.1 K | Goldman Sachs Group Inc | 2024-12-31 | 92.3 K | Principal Financial Group Inc | 2024-12-31 | 72 K | American Century Companies Inc | 2024-12-31 | 67.5 K | Td Asset Management Inc | 2024-12-31 | 57 K | Blackrock Inc | 2024-12-31 | 2.3 M | Srb Corp | 2024-12-31 | 1.8 M |
Safety Insurance's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.16 B.Market Cap |
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Safety Insurance's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.03 | 0.05 | |
| Return On Capital Employed | 0.03 | 0.03 | |
| Return On Assets | 0.03 | 0.04 | |
| Return On Equity | 0.09 | 0.15 |
Determining Safety Insurance's profitability involves analyzing its financial statements and using various financial metrics to determine if Safety Insurance is a good buy. For example, gross profit margin measures Safety Insurance's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Safety Insurance's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Safety Insurance's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Safety Insurance Group. Check Safety Insurance's Beneish M Score to see the likelihood of Safety Insurance's management manipulating its earnings.
Evaluate Safety Insurance's management efficiency
Safety Insurance has return on total asset (ROA) of 0.0259 % which means that it generated a profit of $0.0259 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0867 %, meaning that it created $0.0867 on every $100 dollars invested by stockholders. Safety Insurance's management efficiency ratios could be used to measure how well Safety Insurance manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Safety Insurance's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.04 in 2025, whereas Return On Capital Employed is likely to drop 0.03 in 2025. At this time, Safety Insurance's Non Current Liabilities Total is comparatively stable compared to the past year. Change To Liabilities is likely to gain to about 16.3 M in 2025, whereas Liabilities And Stockholders Equity is likely to drop slightly above 1.7 B in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 56.39 | 69.07 | |
| Tangible Book Value Per Share | 54.70 | 56.99 | |
| Enterprise Value Over EBITDA | 19.47 | 20.44 | |
| Price Book Value Ratio | 1.46 | 0.91 | |
| Enterprise Value Multiple | 19.47 | 20.44 | |
| Price Fair Value | 1.46 | 0.91 | |
| Enterprise Value | 1.2 B | 657.9 M |
The strategic decisions made by Safety Insurance management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Basic technical analysis of Safety Stock
As of the 25th of March, Safety Insurance has the Coefficient Of Variation of (1,824), variance of 1.78, and Risk Adjusted Performance of (0.05). In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Safety Insurance, as well as the relationship between them.Safety Insurance's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Safety Insurance insiders, such as employees or executives, is commonly permitted as long as it does not rely on Safety Insurance's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Safety Insurance insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Safety Insurance's Outstanding Corporate Bonds
Safety Insurance issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Safety Insurance uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Safety bonds can be classified according to their maturity, which is the date when Safety Insurance Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 4875 Corp BondUS55336VAJ98 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| SAFE 28 15 JUN 31 Corp BondUS78646UAA79 | View | |
| SAFE 285 15 JAN 32 Corp BondUS78646UAB52 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand Safety Insurance's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Safety Insurance's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | (0.28) | |||
| Mean Deviation | 0.9079 | |||
| Coefficient Of Variation | (1,824) | |||
| Standard Deviation | 1.33 | |||
| Variance | 1.78 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.03) | |||
| Treynor Ratio | (0.29) | |||
| Maximum Drawdown | 8.6 | |||
| Value At Risk | (2.31) | |||
| Potential Upside | 1.73 | |||
| Skewness | (1.03) | |||
| Kurtosis | 3.94 |
| Risk Adjusted Performance | (0.05) | |||
| Market Risk Adjusted Performance | (0.28) | |||
| Mean Deviation | 0.9079 | |||
| Coefficient Of Variation | (1,824) | |||
| Standard Deviation | 1.33 | |||
| Variance | 1.78 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.07) | |||
| Total Risk Alpha | (0.03) | |||
| Treynor Ratio | (0.29) | |||
| Maximum Drawdown | 8.6 | |||
| Value At Risk | (2.31) | |||
| Potential Upside | 1.73 | |||
| Skewness | (1.03) | |||
| Kurtosis | 3.94 |
Consider Safety Insurance's intraday indicators
Safety Insurance intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Safety Insurance stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 1185.02 | |||
| Daily Balance Of Power | 0.0435 | |||
| Rate Of Daily Change | 1.0 | |||
| Day Median Price | 78.22 | |||
| Day Typical Price | 78.27 | |||
| Price Action Indicator | 0.17 | |||
| Period Momentum Indicator | 0.06 |
Safety Insurance Corporate Filings
F4 | 4th of March 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10K | 27th of February 2025 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | ViewVerify |
8K | 25th of February 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 5th of February 2025 Other Reports | ViewVerify |
Safety Stock media impact
Far too much social signal, news, headlines, and media speculation about Safety Insurance that are available to investors today. That information is available publicly through Safety media outlets and privately through word of mouth or via Safety internal channels. However, regardless of the origin, that massive amount of Safety data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Safety Insurance news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Safety Insurance relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Safety Insurance's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Safety Insurance alpha.
Safety Insurance Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Safety Insurance can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Safety Insurance Corporate Management
| Brian Lam | Vice Operations | Profile | |
| James CPCU | Vice Underwriting | Profile | |
| Glenn Hiltpold | Vice Services | Profile | |
| Mary McConnell | Vice Underwriting | Profile | |
| Christopher Whitford | CFO VP | Profile |
Additional Tools for Safety Stock Analysis
When running Safety Insurance's price analysis, check to measure Safety Insurance's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Safety Insurance is operating at the current time. Most of Safety Insurance's value examination focuses on studying past and present price action to predict the probability of Safety Insurance's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Safety Insurance's price. Additionally, you may evaluate how the addition of Safety Insurance to your portfolios can decrease your overall portfolio volatility.