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Upturn AI SWOT - About
SAFT 
Safety Insurance Group Inc (SAFT)
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Upturn Advisory Summary
10/15/2025: SAFT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -36.96% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 16.09 | 1Y Target Price 70 |
Price to earnings Ratio 16.09 | 1Y Target Price 70 | ||
Volume (30-day avg) - | Beta 0.26 | 52 Weeks Range 69.94 - 87.31 | Updated Date 06/29/2025 |
52 Weeks Range 69.94 - 87.31 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.57% | Basic EPS (TTM) 4.9 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.29% | Operating Margin (TTM) 9.4% |
Management Effectiveness
Return on Assets (TTM) 2.65% | Return on Equity (TTM) 8.75% |
Valuation
Trailing PE 16.09 | Forward PE - | Enterprise Value 1154172639 | Price to Sales(TTM) 1.02 |
Enterprise Value 1154172639 | Price to Sales(TTM) 1.02 | ||
Enterprise Value to Revenue 1.01 | Enterprise Value to EBITDA - | Shares Outstanding 14893600 | Shares Floating 14538490 |
Shares Outstanding 14893600 | Shares Floating 14538490 | ||
Percent Insiders 1.91 | Percent Institutions 85.12 |
Upturn AI SWOT
Safety Insurance Group Inc
Company Overview
History and Background
Safety Insurance Group, Inc. was founded in 1979 and is based in Boston, Massachusetts. It started as a workers' compensation insurer and expanded into other personal and commercial lines. It has grown to become a leading property and casualty insurance provider in Massachusetts.
Core Business Areas
- Personal Lines: Provides insurance coverage for individuals, including auto, homeowners, dwelling fire, umbrella, and personal articles policies.
- Commercial Lines: Offers insurance products for businesses, such as commercial auto, commercial package, workers' compensation, and other business-related coverage.
Leadership and Structure
The company is led by a Board of Directors and an executive management team. The organizational structure includes underwriting, claims, sales, and support functions. John E. Sweeney is currently President and CEO.
Top Products and Market Share
Key Offerings
- Personal Auto Insurance: Provides coverage for vehicle damage, liability, and medical payments. Market share data for Safety in Massachusetts is significant, competing with larger national players. Competitors: Progressive, GEICO, Liberty Mutual.
- Homeowners Insurance: Covers damage to homes and personal property, as well as liability. Safety maintains a solid market position in its operating regions. Competitors: Allstate, Travelers, Chubb.
- Commercial Auto Insurance: Coverage for vehicle damage for business related vehicles. Safety has been competing for years in the market, competitors include Progressive, the Hartford, Liberty Mutual.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and heavily regulated. Trends include increasing claims costs, changing customer expectations, and the adoption of new technologies.
Positioning
Safety Insurance Group is positioned as a regional carrier with a focus on strong relationships with independent agents. It emphasizes local market expertise and customer service.
Total Addressable Market (TAM)
The TAM for P&C insurance in Safety's operating states is estimated to be in the tens of billions of dollars annually. Safety holds a smaller market share with significant room to grow.
Upturn SWOT Analysis
Strengths
- Strong relationships with independent agents
- Local market expertise
- Solid financial performance
- Experienced management team
- Brand recognition in Massachusetts
Weaknesses
- Geographic concentration
- Limited scale compared to national competitors
- Susceptibility to regional weather events
- Dependence on independent agent channel
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Leveraging technology to improve efficiency
- Strategic partnerships and acquisitions
- Capitalizing on market dislocation
Threats
- Increased competition
- Rising claims costs
- Changes in regulatory environment
- Economic downturn
- Catastrophic events
Competitors and Market Share
Key Competitors
- PGR
- GEICO
- ALL
- TRV
- CB
Competitive Landscape
Safety faces competition from larger national carriers with greater financial resources. Safety's advantages include its strong relationships with independent agents and its local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Discuss Safety Insurance Group's historical growth in terms of revenue, policies in force, and profitability.
Future Projections: Based on analyst estimates, Safety Insurance Group's future growth is projected to be moderate, driven by organic growth and strategic initiatives.
Recent Initiatives: Recent initiatives could include technology investments, product expansions, and geographic diversification efforts.
Summary
Safety Insurance Group is a well-established regional carrier with a strong presence in Massachusetts. It benefits from its independent agent network and local expertise. Key challenges include competition from larger players and susceptibility to regional weather events. Growth opportunities lie in geographic expansion and product diversification.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, industry publications.
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Data may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Safety Insurance Group Inc
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2002-11-22 | President, CEO & Chairperson of the Board Mr. George Michael Murphy C.P.C.U. | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 551 | Website https://www.safetyinsurance.com |
Full time employees 551 | Website https://www.safetyinsurance.com | ||
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, insure individual vehicles, and commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; and commercial umbrella, which offers an excess liability product to clients, as well as underwrites dwelling fire insurance for non-owner-occupied residences. Additionally, the company offers inland marine coverage for homeowners and business owner policies, and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.
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