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Upturn AI SWOT - About
SAFT 
Safety Insurance Group Inc (SAFT)
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Upturn Advisory Summary
06/30/2025: SAFT (1-star) is a SELL. SELL since 4 days. Profits (-3.66%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $70
1 Year Target Price $70
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -38.29% | Avg. Invested days 24 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
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 |
Analyst Ratings
Rating - | Target Price 70 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Safety Insurance Group Inc
Company Overview
History and Background
Safety Insurance Group, Inc. was founded in 1979. It has grown from a regional Massachusetts insurer to a multi-state provider of personal and commercial lines insurance.
Core Business Areas
- Personal Lines Insurance: Provides auto, homeowners, dwelling fire, and personal umbrella insurance.
- Commercial Lines Insurance: Offers commercial auto, commercial package, workers' compensation, and commercial umbrella insurance.
Leadership and Structure
The company is led by its executive team and governed by a board of directors. Its organizational structure includes underwriting, claims, and other support functions.
Top Products and Market Share
Key Offerings
- Personal Auto Insurance: Offers coverage for bodily injury liability, property damage liability, collision, and comprehensive. Market share data is regional and varies. Competitors include GEICO, Progressive, and Allstate.
- Homeowners Insurance: Provides coverage for damage to the home and personal property, as well as liability protection. Market share data is regional and varies. Competitors include State Farm, Liberty Mutual, and Travelers.
Market Dynamics
Industry Overview
The property and casualty insurance industry is highly competitive and affected by factors like economic conditions, regulatory changes, and natural disasters.
Positioning
Safety Insurance is a regional carrier known for its strong agency relationships and customer service. Its competitive advantages include local expertise and personalized attention.
Total Addressable Market (TAM)
The US P&C Insurance market is valued at hundreds of billions. Safety Insurance has a small percentage of this TAM, focusing on select regions and markets.
Upturn SWOT Analysis
Strengths
- Strong agency relationships
- Regional expertise
- Solid financial performance
- Good customer service reputation
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national players
- Exposure to regional weather events
Opportunities
- Expansion into new geographic markets
- Development of new insurance products
- Leveraging technology to improve efficiency
- Capitalizing on market consolidation
Threats
- Increased competition from national carriers
- Rising claims costs due to inflation and severe weather
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- TRV
- ALL
- PGR
- HIG
Competitive Landscape
Safety Insurance has the advantage of personal customer service and works with local agencies, however, it has a limited product offering with respect to their top competitors and could lose out to new product offerings and new coverage that competitors can provide.
Growth Trajectory and Initiatives
Historical Growth: Historical growth information would be inserted here.
Future Projections: Future projections based on analyst estimates would be inserted here.
Recent Initiatives: Recent initiatives would be listed here.
Summary
Safety Insurance is a financially stable regional insurance company with strong agency relationships and local market expertise. Its limited geographic diversification and smaller scale present challenges in competing with national players. Opportunities lie in expanding into new markets and leveraging technology. The company must navigate rising claims costs and competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary.
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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