Safety Insurance Group, Inc.
SAFTSafety Insurance Group, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it.
Biggest watch item: the P/BV sits at the 100th percentile of its own range — the multiple has already done part of the work.
The price is between stages while the P/BV sits at the 100th percentile of its own 1-year range. Underneath, the last four quarters read deteriorating — profit −150.0% year on year, with the the net margin at −3.2%. What settles it: the next one or two quarters of delivery.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Safety Insurance Group, Inc. trades at $103, between stages. That is +36.3% against its own 200-day average. It sits at 100% of a 52-week range of $69 to $103. On relative strength it has been ahead of the S&P 500 on a trailing-13-week view for 3 straight weeks.
Today the stock is between stages. At $103 it trades +36.3% versus its 200-day average and sits at 100% of its 52-week range ($69–$103).
Against the market, two honest reads. Cumulative: over the last 1.1 years the stock moved +43% while the S&P 500 moved +24% — ahead of the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 3 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Safety Insurance Group, Inc. trades at 1.8× P/BV, about the priciest it has ever traded. Its long-run median P/BV is 1.3×, measured across 1.1 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 1.8× is about the priciest it has ever traded, against a long-run median of 1.3× measured over 1.1 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
The honest context for that discount: a bank earning about 7% on its equity is worth less per dollar of book, and the market has priced that in rather than overlooked it. The discount closes only if the returns themselves improve.
Why the multiple sits where it does: over the past year book value grew while the price moved +49.0% — the price ran ahead of the book, pushing the multiple up its own range.
Put together: the multiple is full against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Mixed Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Safety Insurance Group, Inc. reads as mixed on its fundamental arc. Mixed — no clean majority across the growth curves, ROE holding at 8.1% — the per-curve reads carry the story. The read is built from 12 quarters across 4 curves, on full evidence.
Why it matters: when the curves disagree, the per-curve reads above matter more than any single verdict.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +12.5% | +16.3% | — | — |
| Profit | +42.9% | +26.0% | — | — |
| EPS | +40.2% | +28.6% | — | — |
| Stock price | +49.0% | — | — | — |
4-Factor Sector Score
42.0/100 — rank 19 of 30 in Insurance - Property & Casualty · 58% evidence confidence
Safety Insurance Group, Inc. scores 42.0 out of 100 against the 30 companies it is compared with in Insurance - Property & Casualty, ranking 19. Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
The four contributions add to the total exactly: 10 + 5.8 + 9.8 + 16.4 = 42. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
Safety Insurance Group, Inc. reported $0.3 B of income in the Mar 26 quarter, +3.3% year on year. That is the 12th straight quarter of year-on-year growth. Over 4 years it has compounded at 9.4% a year. The last full year, FY25, came in at $1.3 B. The last four reported quarters add to $1.3 B.
FY25 revenue came in at $1.3 B (+12.5% on the year), capping 4 years at 9.4% compound. The latest quarter (Mar 26) printed $0.3 B, +3.3% year on year — the 12th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +10.5% growth against the decade's 9.4% — the current year is running faster than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +10.3% over the last 4 quarters against +13.7%/yr over the last 8 — rolling over; TTM profit −12.5% vs +18.3%/yr — rolling over.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
Safety Insurance Group, Inc.'s net margin is −3.2% in the Mar 26 quarter, −9.9 percentage points against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 2.2% to 14.8%. The current quarter is running below every full year in that window.
The latest quarter's net margin is −3.2%, −9.9 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged 2.2%–14.8%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Safety Insurance Group, Inc. posted a net loss of $0.01 B in the Mar 26 quarter. Full-year FY25 profit was $0.1 B. The 4-year compound rate is −6.3%. That loss is 3.2% of the quarter's revenue. The same quarter a year earlier earned $0.0 B. 1 of the last 12 reported quarters were loss-making.
Mar 26 profit was $−0.0 B, −150.0% year on year. On the full year, FY25 printed $0.1 B (+42.9%), and the 4-year compound rate is −6.3%.
🚨 Why profit moved: revenue contributed +3.3% and the margin −9.9 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit +0.0% vs revenue +10.5%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Safety Insurance Group, Inc., so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Safety Insurance Group, Inc.'s revenue grew +12.5% in FY25 to $1.3 B, so the book is growing. The latest quarter ran +3.3% year on year. The net margin on that income is −3.2%, −9.9 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $1.3 B, +12.5% on the year, and the latest quarter ran +3.3% year on year. The net margin on that revenue is −3.2% this quarter (−9.9 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Safety Insurance Group, Inc. earns a return on equity of 11% in FY25. Its trough over the ladder below was 3% in FY23. On the asset side every $100 of the balance sheet earned about $2.19, which is the return before leverage is applied.
FY25 ROE came in at 11%, recovered from a FY23 trough of 3%. On assets, the latest reading is about 2.19% — every $100 the bank deploys earns roughly $2.19 a year. That return is below the bar a bank must clear to compound book value quickly — which is also the honest reason the stock trades where it does.
Why ROE moved: profit compounded −6.3% a year over 4 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.
Dividend A dividend is cash paid out per share. Dividend per share is the declared amount for the period; the trailing twelve-month total is the four most recent quarters added together.
Safety Insurance Group, Inc. paid $3.66 per share over the last four reported quarters, up 2.2% on a year ago. The most recent declaration was $0.92 for Mar 26. Against the current price of $103 that is a trailing yield of 3.54%, measured on dividends already paid rather than on a forecast.
Safety Insurance Group, Inc. paid $3.66 per share across the last four reported quarters, most recently $0.92 for Mar 26. That is up 2.2% against the same quarter a year earlier. Against the current price of $103 the trailing twelve months work out to 3.54% — trailing dividends measured against today's price, not a forward estimate.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
2.1% of Safety Insurance Group, Inc.'s tradable float is currently sold short — some money is positioned against it. At typical trading volumes those positions would take about 2.2 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 2.1% of the float is sold short, and at typical trading volumes it would take about 2.2 days to buy those positions back. Some money is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Safety Insurance Group, Inc.: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1The Allstate CorporationALL | 69.3/100Favorable setup76% evidence | BREAKING OUT | 24.5/35 Income 4.4% · PAT 100% 71% evidence | 15.6/25 ROA 2.1% · ROE 9.2% · GNPA — 68% evidence | 12.2/20 P/BV 1.69× · P/BV÷ROE 0.18 70% evidence | 17.0/20 RS sector 8.8% · RS bench 10.4% · 1Y 27%6 of 12 weeks ahead 100% evidence |
| Exact sum: 24.5 + 15.6 + 12.2 + 17 = 69.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 2Slide Insurance Holdings, Inc.SLDE | 68.5/100Thin evidence · provisional54% evidence | TURNING | 20.5/35 Income — · PAT — 26% evidence | 20.0/25 ROA 4.2% · ROE 13.1% · GNPA — 68% evidence | 13.5/20 P/BV 1.87× · P/BV÷ROE 0.14 70% evidence | 14.5/20 RS sector 5.5% · RS bench 7.2% · 1Y 20.5%3 of 12 weeks ahead 70% evidence |
| Exact sum: 20.5 + 20 + 13.5 + 14.5 = 68.5 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 3The Travelers Companies, Inc.TRV | 60.2/100Mixed-positive evidence60% evidence | BREAKING OUT | 20.1/35 Income — · PAT — 26% evidence | 14.5/25 ROA 1.6% · ROE 7% · GNPA — 68% evidence | 7.5/20 P/BV 2.08× · P/BV÷ROE 0.3 70% evidence | 18.1/20 RS sector 12.1% · RS bench 13.8% · 1Y 42.4%4 of 12 weeks ahead 100% evidence |
| Exact sum: 20.1 + 14.5 + 7.5 + 18.1 = 60.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4Mercury General CorporationMCY | 57.8/100Mixed-positive evidence67% evidence | FADING | 22.2/35 Income 9.7% · PAT 100% 45% evidence | 15.1/25 ROA 2.1% · ROE 8.6% · GNPA — 68% evidence | 9.8/20 P/BV 1.89× · P/BV÷ROE 0.22 70% evidence | 10.7/20 RS sector 3% · RS bench 4.7% · 1Y 50.5%7 of 12 weeks ahead 100% evidence |
| Exact sum: 22.2 + 15.1 + 9.8 + 10.7 = 57.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Skyward Specialty Insurance Group, Inc.SKWD | 57.0/100Mixed-positive evidence76% evidence | BREAKING OUT | 19.9/35 Income 28.9% · PAT 43.5% 71% evidence | 11.7/25 ROA 1.1% · ROE 4.8% · GNPA — 68% evidence | 6.6/20 P/BV 1.59× · P/BV÷ROE 0.33 70% evidence | 18.8/20 RS sector 12.2% · RS bench 13.7% · 1Y 26.4%8 of 12 weeks ahead 100% evidence |
| Exact sum: 19.9 + 11.7 + 6.6 + 18.8 = 57 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6United Fire Group, Inc.UFCS | 56.8/100Mixed-positive evidence70% evidence | LEADER | 22.9/35 Income 10.6% · PAT 97% 71% evidence | 9.3/25 ROA 0.9% · ROE 3.4% · GNPA — 68% evidence | 7.9/20 P/BV 1× · P/BV÷ROE 0.29 70% evidence | 16.7/20 RS sector 21.9% · RS bench 24.1% · 1Y 84.7%11 of 12 weeks ahead 70% evidence |
| Exact sum: 22.9 + 9.3 + 7.9 + 16.7 = 56.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7HCI Group, Inc.HCI | 55.2/100Mixed-positive evidence62% evidence | BREAKING OUT | 22.5/35 Income 22.1% · PAT 100% 55% evidence | 13.9/25 ROA — · ROE 9.9% · GNPA — 34% evidence | 11.7/20 P/BV 1.83× · P/BV÷ROE 0.18 70% evidence | 7.1/20 RS sector -7.7% · RS bench -6.5% · 1Y 27.4%6 of 12 weeks ahead 100% evidence |
| Exact sum: 22.5 + 13.9 + 11.7 + 7.1 = 55.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 8Cincinnati Financial CorporationCINF | 54.8/100Mixed-positive evidence60% evidence | BREAKING OUT | 21.3/35 Income — · PAT — 26% evidence | 16.4/25 ROA 3.1% · ROE 8.1% · GNPA — 68% evidence | 10.7/20 P/BV 1.7× · P/BV÷ROE 0.21 70% evidence | 6.4/20 RS sector -3.4% · RS bench -1.9% · 1Y 19.5%4 of 12 weeks ahead 100% evidence |
| Exact sum: 21.3 + 16.4 + 10.7 + 6.4 = 54.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 9The Hanover Insurance Group, Inc.THG | 53.7/100Mixed-positive evidence60% evidence | BREAKING OUT | 18.0/35 Income — · PAT — 26% evidence | 13.5/25 ROA 1.6% · ROE 5.6% · GNPA — 68% evidence | 5.9/20 P/BV 2.03× · P/BV÷ROE 0.36 70% evidence | 16.3/20 RS sector 9.2% · RS bench 10.9% · 1Y 35%7 of 12 weeks ahead 100% evidence |
| Exact sum: 18 + 13.5 + 5.9 + 16.3 = 53.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10RLI Corp.RLI | 52.9/100Mixed-positive evidence60% evidence | TURNING | 20.7/35 Income — · PAT — 26% evidence | 17.5/25 ROA 2.7% · ROE 9.6% · GNPA — 68% evidence | 6.5/20 P/BV 3.09× · P/BV÷ROE 0.32 70% evidence | 8.2/20 RS sector -9.3% · RS bench -8.2% · 1Y -7.1%3 of 12 weeks ahead 100% evidence |
| Exact sum: 20.7 + 17.5 + 6.5 + 8.2 = 52.9 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 11W. R. Berkley CorporationWRB | 52.3/100Mixed-positive evidence60% evidence | TURNING | 21.6/35 Income — · PAT — 26% evidence | 17.9/25 ROA 2.2% · ROE 9.7% · GNPA — 68% evidence | 8.3/20 P/BV 2.54× · P/BV÷ROE 0.26 70% evidence | 4.5/20 RS sector -9.6% · RS bench -8.4% · 1Y 2.1%3 of 12 weeks ahead 100% evidence |
| Exact sum: 21.6 + 17.9 + 8.3 + 4.5 = 52.3 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 12Assurant, Inc.AIZ | 52.0/100Mixed-positive evidence76% evidence | BREAKING OUT | 22.1/35 Income 9% · PAT 49% 71% evidence | 10.8/25 ROA 0.8% · ROE 4.9% · GNPA — 68% evidence | 5.7/20 P/BV 1.84× · P/BV÷ROE 0.38 70% evidence | 13.4/20 RS sector 6.2% · RS bench 7.9% · 1Y 38.4%11 of 12 weeks ahead 100% evidence |
| Exact sum: 22.1 + 10.8 + 5.7 + 13.4 = 52 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 13Palomar Holdings, Inc.PLMR | 48.7/100Mixed-negative evidence62% evidence | TURNING | 21.8/35 Income 60.4% · PAT 47% 55% evidence | 11.9/25 ROA — · ROE 4.9% · GNPA — 34% evidence | 3.3/20 P/BV 3.3× · P/BV÷ROE 0.67 70% evidence | 11.7/20 RS sector -2.2% · RS bench -0.9% · 1Y 13.1%3 of 12 weeks ahead 100% evidence |
| Exact sum: 21.8 + 11.9 + 3.3 + 11.7 = 48.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14Kinsale Capital Group, Inc.KNSL | 48.1/100Mixed-negative evidence60% evidence | TURNING | 18.8/35 Income — · PAT — 26% evidence | 18.1/25 ROA 3% · ROE 9.4% · GNPA — 68% evidence | 4.8/20 P/BV 3.69× · P/BV÷ROE 0.39 70% evidence | 6.4/20 RS sector -15.2% · RS bench -14.2% · 1Y -17.3%2 of 12 weeks ahead 100% evidence |
| Exact sum: 18.8 + 18.1 + 4.8 + 6.4 = 48.1 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 15Selective Insurance Group, Inc.SIGI | 46.0/100Mixed-negative evidence60% evidence | BREAKING OUT | 18.3/35 Income — · PAT — 26% evidence | 10.3/25 ROA 0.9% · ROE 3.7% · GNPA — 68% evidence | 5.1/20 P/BV 1.58× · P/BV÷ROE 0.43 70% evidence | 12.3/20 RS sector 2.1% · RS bench 3.7% · 1Y 23.6%9 of 12 weeks ahead 100% evidence |
| Exact sum: 18.3 + 10.3 + 5.1 + 12.3 = 46 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16Markel Group Inc.MKL | 45.5/100Mixed-negative evidence60% evidence | BASING | 20.5/35 Income — · PAT — 26% evidence | 14.6/25 ROA 1.8% · ROE 6.3% · GNPA — 68% evidence | 8.6/20 P/BV 1.28× · P/BV÷ROE 0.2 70% evidence | 1.8/20 RS sector -15.2% · RS bench -14% · 1Y -1.2%0 of 12 weeks ahead 100% evidence |
| Exact sum: 20.5 + 14.6 + 8.6 + 1.8 = 45.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 17Old Republic International CorporationORI | 44.8/100Mixed-negative evidence60% evidence | TURNING | 20.2/35 Income — · PAT — 26% evidence | 11.8/25 ROA 1.1% · ROE 5.3% · GNPA — 68% evidence | 7.3/20 P/BV 1.64× · P/BV÷ROE 0.31 70% evidence | 5.5/20 RS sector -7.1% · RS bench -5.9% · 1Y 16.2%2 of 12 weeks ahead 100% evidence |
| Exact sum: 20.2 + 11.8 + 7.3 + 5.5 = 44.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 18The Progressive CorporationPGR | 43.6/100Mixed-negative evidence60% evidence | FADING | 14.9/35 Income — · PAT — 26% evidence | 18.1/25 ROA 2.8% · ROE 9.9% · GNPA — 68% evidence | 5.3/20 P/BV 3.61× · P/BV÷ROE 0.36 70% evidence | 5.3/20 RS sector -14.1% · RS bench -13% · 1Y -14.5%2 of 12 weeks ahead 100% evidence |
| Exact sum: 14.9 + 18.1 + 5.3 + 5.3 = 43.6 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 19Safety Insurance Group, Inc.this pageSAFT | 42.0/100Thin evidence · provisional58% evidence | TURNING | 10.0/35 Income 10.8% · PAT -13.7% 71% evidence | 5.8/25 ROA -0.6% · ROE -1.7% · GNPA — 68% evidence | 9.8/20 P/BV 1.25× · P/BV÷ROE — 10% evidence | 16.4/20 RS sector 20.4% · RS bench 22.1% · 1Y 45.5%3 of 12 weeks ahead 70% evidence |
| Exact sum: 10 + 5.8 + 9.8 + 16.4 = 42 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 20Horace Mann Educators CorporationHMN | 41.6/100Mixed-negative evidence76% evidence | BREAKING OUT | 17.4/35 Income 5.5% · PAT 43.9% 71% evidence | 7.5/25 ROA 0.3% · ROE 2.9% · GNPA — 68% evidence | 5.3/20 P/BV 1.17× · P/BV÷ROE 0.4 70% evidence | 11.4/20 RS sector 0.1% · RS bench 1.6% · 1Y 17.8%7 of 12 weeks ahead 100% evidence |
| Exact sum: 17.4 + 7.5 + 5.3 + 11.4 = 41.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 21White Mountains Insurance Group, Ltd.WTM | 40.1/100Mixed-negative evidence64% evidence | ASLEEP | 21.4/35 Income 69.3% · PAT 100% 71% evidence | 5.8/25 ROA 0% · ROE -0.5% · GNPA — 68% evidence | 9.8/20 P/BV 1.01× · P/BV÷ROE — 10% evidence | 3.1/20 RS sector -8.7% · RS bench -7.2% · 1Y 20.9%0 of 12 weeks ahead 100% evidence |
| Exact sum: 21.4 + 5.8 + 9.8 + 3.1 = 40.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 22Chubb LimitedCB | 38.8/100Mixed-negative evidence60% evidence | TURNING | 14.8/35 Income — · PAT — 26% evidence | 11.7/25 ROA 1.1% · ROE 3.7% · GNPA — 68% evidence | 4.6/20 P/BV 1.75× · P/BV÷ROE 0.47 70% evidence | 7.7/20 RS sector -1.4% · RS bench 0.2% · 1Y 28.4%1 of 12 weeks ahead 100% evidence |
| Exact sum: 14.8 + 11.7 + 4.6 + 7.7 = 38.8 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 23CNA Financial CorporationCNA | 38.6/100Mixed-negative evidence76% evidence | TURNING | 14.0/35 Income 4% · PAT 35.8% 71% evidence | 7.7/25 ROA 0.3% · ROE 2% · GNPA — 68% evidence | 4.2/20 P/BV 1.14× · P/BV÷ROE 0.57 70% evidence | 12.7/20 RS sector -0.8% · RS bench 0.6% · 1Y 12.7%3 of 12 weeks ahead 100% evidence |
| Exact sum: 14 + 7.7 + 4.2 + 12.7 = 38.6 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 24Stewart Information Services CorporationSTC | 36.7/100Mixed-negative evidence60% evidence | ASLEEP | 17.3/35 Income — · PAT — 26% evidence | 12.6/25 ROA 1.6% · ROE 2.7% · GNPA — 68% evidence | 4.8/20 P/BV 1.21× · P/BV÷ROE 0.45 70% evidence | 2.0/20 RS sector -12.4% · RS bench -11.2% · 1Y 1.8%0 of 12 weeks ahead 100% evidence |
| Exact sum: 17.3 + 12.6 + 4.8 + 2 = 36.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 25Loews CorporationL | 32.9/100Adverse evidence76% evidence | TURNING | 14.5/35 Income 4.2% · PAT 23.8% 71% evidence | 7.9/25 ROA 0.5% · ROE 1.9% · GNPA — 68% evidence | 4.0/20 P/BV 1.17× · P/BV÷ROE 0.62 70% evidence | 6.5/20 RS sector -3.2% · RS bench -1.7% · 1Y 23.7%1 of 12 weeks ahead 100% evidence |
| Exact sum: 14.5 + 7.9 + 4 + 6.5 = 32.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 26Hagerty, Inc.HGTY | 32.2/100Adverse evidence64% evidence | TURNING | 13.1/35 Income 15.4% · PAT 12.4% 71% evidence | 4.9/25 ROA -0.6% · ROE -2.2% · GNPA — 68% evidence | 9.1/20 P/BV 4.87× · P/BV÷ROE — 10% evidence | 5.1/20 RS sector -11.6% · RS bench -10.4% · 1Y 10%4 of 12 weeks ahead 100% evidence |
| Exact sum: 13.1 + 4.9 + 9.1 + 5.1 = 32.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 27American Financial Group, Inc.AFG | 29.7/100Adverse evidence76% evidence | TURNING | 11.9/35 Income -1.2% · PAT 10% 71% evidence | 9.8/25 ROA 0.6% · ROE 4.2% · GNPA — 68% evidence | 4.1/20 P/BV 2.27× · P/BV÷ROE 0.54 70% evidence | 3.9/20 RS sector -7.9% · RS bench -6.6% · 1Y 8.7%1 of 12 weeks ahead 100% evidence |
| Exact sum: 11.9 + 9.8 + 4.1 + 3.9 = 29.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 28Kemper CorporationKMPR | 24.7/100Thin evidence · provisional58% evidence | BASING | 6.2/35 Income 0.3% · PAT -90.6% 71% evidence | 5.7/25 ROA 0% · ROE -0.2% · GNPA — 68% evidence | 9.8/20 P/BV 0.68× · P/BV÷ROE — 10% evidence | 3.0/20 RS sector -30.2% · RS bench -29.5% · 1Y -41.5%0 of 12 weeks ahead 70% evidence |
| Exact sum: 6.2 + 5.7 + 9.8 + 3 = 24.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 29Porch Group, Inc.PRCH | 47.6/100Thin evidence · provisional48% evidence | BREAKING OUT | 13.2/35 Income — · PAT — 26% evidence | 4.6/25 ROA -0.5% · ROE -164.7% · GNPA — 68% evidence | 9.8/20 P/BV -143.74× · P/BV÷ROE — 10% evidence | 20.0/20 RS sector 28.2% · RS bench 29.5% · 1Y 16.3%12 of 12 weeks ahead 100% evidence |
| Exact sum: 13.2 + 4.6 + 9.8 + 20 = 47.6 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 30Lemonade, Inc.LMND | 30.7/100Thin evidence · provisional48% evidence | ASLEEP | 17.3/35 Income — · PAT — 26% evidence | 4.1/25 ROA -2.2% · ROE -8.5% · GNPA — 68% evidence | 9.0/20 P/BV 10× · P/BV÷ROE — 10% evidence | 0.3/20 RS sector -24% · RS bench -23% · 1Y 10.5%1 of 12 weeks ahead 100% evidence |
| Exact sum: 17.3 + 4.1 + 9 + 0.3 = 30.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Safety Insurance Group, Inc.'s stock price today?
Safety Insurance Group, Inc. trades at $103, +49.0% over the past year. The company is valued at $2.0 B. The stock sits at 100% of its 52-week range of $69–$103, +36.3% versus its 200-day average. Against the S&P 500 it has been ahead on a trailing-13-week view for 3 weeks. — as of 5 August 2026.
What were Safety Insurance Group, Inc.'s latest quarterly results?
Safety Insurance Group, Inc. reported total income of $0.3 B and a net loss of $0.0 B for the Mar 26 quarter. Income rose 3.3% and profit fell 150.0% year on year. Earnings per share were $−0.99. The net margin was −3.2%, 9.9 pp lower than a year earlier. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s revenue?
Safety Insurance Group, Inc. reported revenue of $0.3 B in the Mar 26 quarter, +3.3% year on year. For the full FY25 fiscal year, revenue was $1.3 B (+12.5%). Over the last 4 years revenue compounded at 9.4% a year. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s profit?
Safety Insurance Group, Inc. earned $−0.0 B of net profit in the Mar 26 quarter, −150.0% year on year. Full-year FY25 profit was $0.1 B. The net margin ran −3.2% in the latest quarter. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s market cap?
Safety Insurance Group, Inc.'s market capitalisation is $2.0 B at a stock price of $103. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s P/BV ratio?
Safety Insurance Group, Inc. trades at a P/BV of 1.8×, at the 100th percentile of its own 1-year range, against a long-run median of 1.3×. This is a comparison with the stock's own history, not a value call — as of 5 August 2026.
Does Safety Insurance Group, Inc. pay a dividend?
Yes — Safety Insurance Group, Inc. declared $0.92 per share for Mar 26, and $3.66 per share across the last four reported quarters. The latest quarter is up 2.2% on the same quarter a year earlier. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s dividend per share?
Safety Insurance Group, Inc.'s most recently declared dividend is $0.92 per share for Mar 26, giving $3.66 per share over the trailing twelve months. Each figure is the amount declared for that quarter as reported, added across four quarters for the trailing total. — as of 5 August 2026.
What is Safety Insurance Group, Inc.'s dividend yield?
Safety Insurance Group, Inc.'s trailing dividend yield is 3.54%: $3.66 declared per share across the last four reported quarters, against a share price of $103. Each quarter’s figure is the amount declared for that quarter as reported, added across four quarters and divided by the latest close. — as of 5 August 2026.
Is Safety Insurance Group, Inc. overvalued?
On its own history, Safety Insurance Group, Inc. looks expensive against its own history: its P/BV of 1.8× sits at the 100th percentile of its 1-year range (long-run median 1.3×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 5 August 2026.
Is Safety Insurance Group, Inc. growing?
Not right now — Safety Insurance Group, Inc.'s latest numbers are shrinking: latest-quarter revenue +3.3% year on year, profit −150.0%, and the the net margin −9.9 pp at −3.2%. The 4-year compound rates are 9.4% (revenue) and −6.3% (profit). The earnings engine currently reads: deteriorating — as of 5 August 2026.
How is Safety Insurance Group, Inc. performing?
Safety Insurance Group, Inc.'s latest readings are below. Its latest quarter's income rose 3.3% and profit fell 150.0% year on year. Against the S&P 500 it has been ahead on a trailing-13-week view for 3 weeks. This describes what the data did, not a rating. — as of 5 August 2026.
What stage is Safety Insurance Group, Inc. in?
Mixed — no clean majority across the growth curves, ROE holding at 8.1% — the per-curve reads carry the story. The read comes from the last 12 quarters of growth (revenue growth +10.3% latest, profit growth −12.5% latest, eps growth −13.5% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 5 August 2026.
Is Safety Insurance Group, Inc. beating the market?
On recent form, yes — Safety Insurance Group, Inc. has been ahead of the S&P 500 on a trailing-13-week view for 3 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 1.1 years the stock moved +43% against the S&P 500's +24% — ahead of the index over the full window. — as of 5 August 2026.
Will Safety Insurance Group, Inc.'s stock price go up?
This page publishes no price forecast for Safety Insurance Group, Inc. What it measures instead: the stock price is $103. Its P/BV of 1.8× sits at the 100th percentile of its own 1-year range. Direction is not something this site claims to know. — as of 5 August 2026.
Is the market betting against Safety Insurance Group, Inc.?
Somewhat — short interest is 2.1% of Safety Insurance Group, Inc.'s tradable float, about 2.2 days to cover at typical volumes. A moderate reading: some money is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 5 August 2026.
Is Safety Insurance Group, Inc.'s loan book healthy?
We do not hold quarterly loan-book quality numbers for Safety Insurance Group, Inc., so this page says that plainly. The cleanest available reads are revenue growth (+12.5% in FY25) and the net margin on it (−3.2%) — as of 5 August 2026.
Where is Safety Insurance Group, Inc. in its business cycle?
Safety Insurance Group, Inc.'s FY25 net margin was 7.9%, against a 5-year band of 2.2%–14.8%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran −3.2%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 5 August 2026.
What could break the Safety Insurance Group, Inc. story?
Biggest watch item: the P/BV sits at the 100th percentile of its own range — the multiple has already done part of the work. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 5 August 2026.
Is Safety Insurance Group, Inc. a stock worth studying right now?
This is not investment advice. The machine read: Safety Insurance Group, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it. The sharpest open question: the next one or two quarters of delivery. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 5 August 2026.