Safety Insurance Group, Inc. (FRA:SFN)

Safety Insurance Group Statistics

Total Valuation

FRA:SFN has a market cap or net worth of EUR 893.70 million. The enterprise value is 888.75 million.

Market Cap	893.70M
Enterprise Value	888.75M

Important Dates

The next estimated earnings date is Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

Current Share Class	14.89M
Shares Outstanding	n/a
Shares Change (YoY)	+0.34%
Shares Change (QoQ)	+0.25%
Owned by Insiders (%)	2.37%
Owned by Institutions (%)	83.49%
Float	14.54M

Valuation Ratios

The trailing PE ratio is 12.43.

PE Ratio	12.43
Forward PE	n/a
PS Ratio	0.87
PB Ratio	1.20
P/TBV Ratio	1.24
P/FCF Ratio	6.62
P/OCF Ratio	6.57
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.50, with an EV/FCF ratio of 6.58.

EV / Earnings	12.36
EV / Sales	0.86
EV / EBITDA	8.50
EV / EBIT	9.48
EV / FCF	6.58

Financial Position

The company has a current ratio of 0.39, with a Debt / Equity ratio of 0.05.

Current Ratio	0.39
Quick Ratio	0.27
Debt / Equity	0.05
Debt / EBITDA	0.36
Debt / FCF	0.28
Interest Coverage	137.12

Financial Efficiency

Return on equity (ROE) is 10.08% and return on invested capital (ROIC) is 7.67%.

Return on Equity (ROE)	10.08%
Return on Assets (ROA)	3.01%
Return on Invested Capital (ROIC)	7.67%
Return on Capital Employed (ROCE)	11.90%
Revenue Per Employee	1.85M
Profits Per Employee	130,534
Employee Count	551
Asset Turnover	0.53
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:SFN has paid 19.78 million in taxes.

Income Tax	19.78M
Effective Tax Rate	21.49%

Stock Price Statistics

The stock price has decreased by -21.71% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-21.71%
50-Day Moving Average	60.78
200-Day Moving Average	66.85
Relative Strength Index (RSI)	46.20
Average Volume (20 Days)	12

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	0.95

Income Statement

In the last 12 months, FRA:SFN had revenue of EUR 1.02 billion and earned 71.92 million in profits. Earnings per share was 4.88.

Revenue	1.02B
Gross Profit	99.68M
Operating Income	92.71M
Pretax Income	92.03M
Net Income	71.92M
EBITDA	100.17M
EBIT	92.71M
Earnings Per Share (EPS)	4.88

Balance Sheet

The company has 42.07 million in cash and 37.17 million in debt, giving a net cash position of 4.90 million.

Cash & Cash Equivalents	42.07M
Total Debt	37.17M
Net Cash	4.90M
Net Cash Per Share	n/a
Equity (Book Value)	743.58M
Book Value Per Share	49.93
Working Capital	-752.33M

Cash Flow

In the last 12 months, operating cash flow was 136.01 million and capital expenditures -986,037, giving a free cash flow of 135.02 million.

Operating Cash Flow	136.01M
Capital Expenditures	-986,037
Free Cash Flow	135.02M
FCF Per Share	n/a

Margins

Gross margin is 9.76%, with operating and profit margins of 9.07% and 7.07%.

Gross Margin	9.76%
Operating Margin	9.07%
Pretax Margin	9.01%
Profit Margin	7.07%
EBITDA Margin	9.81%
EBIT Margin	9.07%
FCF Margin	13.22%

Dividends & Yields

This stock pays an annual dividend of 3.30, which amounts to a dividend yield of 5.54%.

Dividend Per Share	3.30
Dividend Yield	5.54%
Dividend Growth (YoY)	0.08%
Years of Dividend Growth	n/a
Payout Ratio	62.84%
Buyback Yield	-0.34%
Shareholder Yield	5.20%
Earnings Yield	8.05%
FCF Yield	15.11%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5