Safety Insurance Group, Inc. (FRA:SFN)

Safety Insurance Group Statistics

Total Valuation

FRA:SFN has a market cap or net worth of EUR 964.48 million. The enterprise value is 952.77 million.

Market Cap	964.48M
Enterprise Value	952.77M

Important Dates

The last earnings date was Friday, November 7, 2025.

Earnings Date	Nov 7, 2025
Ex-Dividend Date	Dec 1, 2025

Share Statistics

Current Share Class	14.89M
Shares Outstanding	n/a
Shares Change (YoY)	+0.35%
Shares Change (QoQ)	-0.03%
Owned by Insiders (%)	2.37%
Owned by Institutions (%)	82.03%
Float	14.53M

Valuation Ratios

The trailing PE ratio is 13.03.

PE Ratio	13.03
Forward PE	n/a
PS Ratio	0.92
PB Ratio	1.26
P/TBV Ratio	1.29
P/FCF Ratio	6.62
P/OCF Ratio	6.60
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 8.93, with an EV/FCF ratio of 6.54.

EV / Earnings	12.87
EV / Sales	0.90
EV / EBITDA	8.93
EV / EBIT	9.85
EV / FCF	6.54

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	0.34
Debt / FCF	0.25
Interest Coverage	102.63

Financial Efficiency

Return on equity (ROE) is 9.97% and return on invested capital (ROIC) is 7.64%.

Return on Equity (ROE)	9.97%
Return on Assets (ROA)	2.98%
Return on Invested Capital (ROIC)	7.64%
Return on Capital Employed (ROCE)	11.95%
Revenue Per Employee	1.90M
Profits Per Employee	134,368
Employee Count	551
Asset Turnover	0.52
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:SFN has paid 20.55 million in taxes.

Income Tax	20.55M
Effective Tax Rate	21.65%

Stock Price Statistics

The stock price has decreased by -19.38% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-19.38%
50-Day Moving Average	61.23
200-Day Moving Average	65.14
Relative Strength Index (RSI)	56.03
Average Volume (20 Days)	2

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)	1.53

Income Statement

In the last 12 months, FRA:SFN had revenue of EUR 1.05 billion and earned 74.04 million in profits. Earnings per share was 5.01.

Revenue	1.05B
Gross Profit	102.99M
Operating Income	95.87M
Pretax Income	94.93M
Net Income	74.04M
EBITDA	102.56M
EBIT	95.87M
Earnings Per Share (EPS)	5.01

Balance Sheet

The company has 47.93 million in cash and 36.33 million in debt, giving a net cash position of 11.60 million.

Cash & Cash Equivalents	47.93M
Total Debt	36.33M
Net Cash	11.60M
Net Cash Per Share	n/a
Equity (Book Value)	766.69M
Book Value Per Share	51.48
Working Capital	-789.65M

Cash Flow

In the last 12 months, operating cash flow was 146.06 million and capital expenditures -473,027, giving a free cash flow of 145.58 million.

Operating Cash Flow	146.06M
Capital Expenditures	-473,027
Free Cash Flow	145.58M
FCF Per Share	n/a

Margins

Gross margin is 9.82%, with operating and profit margins of 9.14% and 7.09%.

Gross Margin	9.82%
Operating Margin	9.14%
Pretax Margin	9.05%
Profit Margin	7.09%
EBITDA Margin	9.77%
EBIT Margin	9.14%
FCF Margin	13.87%

Dividends & Yields

This stock pays an annual dividend of 3.24, which amounts to a dividend yield of 4.94%.

Dividend Per Share	3.24
Dividend Yield	4.94%
Dividend Growth (YoY)	-2.68%
Years of Dividend Growth	n/a
Payout Ratio	61.47%
Buyback Yield	-0.35%
Shareholder Yield	4.60%
Earnings Yield	7.68%
FCF Yield	15.09%

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