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Safety Insurance Group, Inc. (SAFT)

Financial Services | Insurance - Property & Casualty | Boston, United States | NasdaqGS
103.64 USD -0.15 (-0.145%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 103.64

Short-term:★★★★⯪Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take | Aug. 22, 2026, 3:06 a.m. EDT

The immediate catalyst here is the definitive merger agreement with Mapfre for $1.54 billion, which has pushed the stock to its 52-week high and created a clear short-term ceiling at the $105 bid price. The market is pricing in a successful close, with options flow confirming bets on a move to that target. However, the recent news of an investigation into the proposed sale introduces a critical layer of uncertainty that could stall the deal or force a discount, creating a volatile environment where the 'invest' thesis clashes with the 'trade' reality. While the fundamentals are sound—solid cash flow, manageable debt, and a healthy payout ratio—the company is currently in a transition phase rather than a steady growth phase. The long-term outlook remains positive due to the strategic fit with Mapfre, but the path is fraught with regulatory and execution risks that prevent a top-tier buy rating at this specific juncture. Investors should view this as a high-conviction trade on the deal closing, rather than a passive accumulation opportunity until the dust settles.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.218194
AutoARIMA0.219432
AutoETS0.219448
AutoTheta0.219463

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 39%
H-stat 62.44
Ljung-Box p 0.000
Jarque-Bera p 0.026
Excess Kurtosis -1.85
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-31
Last Dividend Date 2026-05-31
Debt to Equity Ratio 6.818
Revenue per Share 88.097
Market Cap 1,521,485,184
Trailing P/E 22.34
Forward P/E 16.58
Beta 0.18
Profit Margins 5.33%
Website https://www.safetyinsurance.com

As of Aug. 22, 2026, 3:06 a.m. EDT: Speculators are positioning for a continued rally toward the $105 strike, evidenced by heavy open interest in both calls and puts at that level, suggesting a consensus target price. However, the deep out-of-the-money put wall at $90-$95 indicates significant downside protection is being bought, reflecting a fear that the post-merger premium may not hold or that regulatory hurdles could derail the deal.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.33% 5.01% 4.71% 4.56%
Dividend History
Date Dividend Yield %
2026-06-01 0.92 1.329672
2026-03-02 0.92 1.193410
2025-12-01 0.92 1.222104
2025-09-02 0.92 1.267392
2025-06-02 0.90 1.099707
2025-03-03 0.90 1.176932
2024-12-02 0.90 1.052139
2024-09-03 0.90 1.046512
2024-06-03 0.90 1.180173
2024-02-29 0.90 1.095424
2023-11-30 0.90 1.169895
2023-08-31 0.90 1.306810
2023-05-31 0.90 1.235924
2023-02-28 0.90 1.115380
2022-11-30 0.90 0.981033
2022-08-31 0.90 0.999445
2022-05-31 0.90 0.969201
2022-02-28 0.90 1.078619
2021-11-30 0.90 1.164747
2021-08-31 0.90 1.106875
2021-05-28 0.90 1.057455
2021-03-04 0.90 1.101052
2020-11-30 0.90 1.263158
2020-08-31 0.90 1.243094
2020-05-29 0.90 1.180483
2020-02-28 0.90 1.143002
2019-11-29 0.90 0.921659
2019-08-30 0.90 0.933223
2019-05-31 0.80 0.877867
2019-02-28 0.80 0.895456
2018-11-30 0.80 0.910954
2018-08-31 0.80 0.827301
2018-05-31 0.80 0.930233
2018-02-28 0.80 1.121233
2017-11-30 0.80 0.971463
2017-08-30 0.80 1.131542
2017-05-30 0.70 1.059002
2017-02-27 0.70 0.976290
2016-11-29 0.70 0.989399
2016-08-30 0.70 1.054693
2016-05-27 0.70 1.180837
2016-02-26 0.70 1.254930
2015-11-27 0.70 1.246217
2015-08-28 0.70 1.333333
2015-05-28 0.70 1.238719
2015-02-26 0.70 1.188657
2014-11-26 0.70 1.161248
2014-08-28 0.70 1.269956
2014-05-29 0.60 1.153846
2014-02-27 0.60 1.081471
2013-11-27 0.60 1.066288
2013-08-29 0.60 1.177625
2013-05-30 0.60 1.140684
2013-02-27 0.60 1.274156
2012-11-29 0.60 1.341982
2012-08-30 0.60 1.322168
2012-05-30 0.50 1.254076
2012-02-28 0.50 1.149954
2011-11-29 0.50 1.257545
2011-08-30 0.50 1.270648
2011-05-27 0.50 1.109632
2011-02-25 0.50 1.037344
2010-11-29 0.50 1.064509
2010-08-30 0.50 1.246572
2010-05-27 0.40 1.088732
2010-02-25 0.40 1.084305
2009-11-27 0.40 1.146132
2009-08-28 0.40 1.234949
2009-05-28 0.40 1.303781
2009-02-26 0.40 1.282051
2008-11-26 0.40 1.152406
2008-08-28 0.40 0.928074
2008-05-29 0.40 1.035733
2008-02-28 0.40 1.044932
2007-11-29 0.40 1.097996
2007-08-29 0.40 1.169933
2007-05-30 0.25 0.598372
2007-02-27 0.25 0.602991
2006-11-29 0.25 0.471787
2006-08-30 0.25 0.483653
2006-05-30 0.18 0.380872
2006-02-27 0.18 0.427046
2005-11-29 0.18 0.442152
2005-08-30 0.18 0.515464
2005-05-27 0.12 0.375822
2005-02-25 0.12 0.322754
2004-11-29 0.12 0.436522
2004-08-30 0.12 0.560748
2004-05-27 0.10 0.498753
2004-02-26 0.10 0.503018
2003-11-26 0.10 0.563698
2003-08-27 0.10 0.625000
2003-05-29 0.07 0.498221
2003-02-27 0.07 0.526712
Additional Data
dividendRate 3.68
dividendYield 3.55
exDividendDate 2026-09-01
trailingAnnualDividendRate 3.68
trailingAnnualDividendYield 0.03545621
lastDividendValue 0.92
lastDividendDate 2026-06-01
dividendDate 2026-09-15

Info Dump

Attribute Value
52 Week Change 0.42981124
Address1 20 Custom House Street
All Time High 103.96
All Time Low 12.0
Ask 132.83
Ask Size 2
Audit Risk 4
Average Daily Volume10 Day 146,880
Average Daily Volume3 Month 217,754
Average Volume 217,754
Average Volume10Days 146,880
Beta 0.175
Bid 74.52
Bid Size 2
Board Risk 4
Book Value 59.705
City Boston
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 103.64
Current Ratio 0.385
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 103.8
Day Low 103.64
Debt To Equity 6.818
Display Name Safety Insurance
Dividend Date 1,789,430,400
Dividend Rate 3.68
Dividend Yield 3.55
Earnings Growth 0.21
Earnings Quarterly Growth 0.193
Earnings Timestamp End 1,793,649,600
Earnings Timestamp Start 1,793,649,600
Ebitda 95,543,000
Ebitda Margins 0.07428
Enterprise To Ebitda 15.839
Enterprise To Revenue 1.176
Enterprise Value 1,513,340,160
Eps Forward 6.25
Eps Trailing Twelve Months 4.64
Esg Populated 0
Ex Dividend Date 1,788,220,800
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 617 603 4837
Fifty Day Average 88.8866
Fifty Day Average Change 14.753403
Fifty Day Average Change Percent 0.16598006
Fifty Two Week Change Percent 42.981125
Fifty Two Week High 103.8
Fifty Two Week High Change -0.16000366
Fifty Two Week High Change Percent -0.0015414611
Fifty Two Week Low 67.04
Fifty Two Week Low Change 36.6
Fifty Two Week Low Change Percent 0.54594266
Fifty Two Week Range 67.04 - 103.8
Financial Currency USD
First Trade Date Milliseconds 1,037,975,400,000
Five Year Avg Dividend Yield 4.56
Float Shares 14,345,033
Forward Eps 6.25
Forward P E 16.5824
Free Cashflow 160,487,248
Full Exchange Name NasdaqGS
Full Time Employees 568
Fullday Change -0.150002
Fullday Change Percent -0.144524
Fullday Price 103.64
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.07645
Gross Profits 98,340,000
Has Pre Post Market Data 1
Held Percent Insiders 0.02123
Held Percent Institutions 0.799
Implied Shares Outstanding 14,680,482
Industry Insurance - Property & Casualty
Industry Disp Insurance - Property & Casualty
Industry Key insurance-property-casualty
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,780,272,000
Last Dividend Value 0.92
Last Fiscal Year End 1,767,139,200
Long Business Summary Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, 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, and insure individual vehicles, as well as 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; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. 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.
Long Name Safety Insurance Group, Inc.
Market us_market
Market Cap 1,521,485,184
Market State CLOSED
Max Age 86,400
Message Board Id finmb_968928
Most Recent Quarter 1,782,777,600
Net Income To Common 69,201,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,523,540,421
Open 103.7
Operating Cashflow 180,296,000
Operating Margins 0.13685
Overall Risk 3
Payout Ratio 0.7914
Peg Ratio 0.95
Phone 617 951 0600
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 103.64
Post Market Time 1,787,959,805
Previous Close 103.79
Price Hint 2
Price To Book 1.735868
Price To Sales Trailing12 Months 1.1828321
Profit Margins 0.053340003
Quick Ratio 0.266
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.150002
Regular Market Change Percent -0.144524
Regular Market Day High 103.8
Regular Market Day Low 103.64
Regular Market Day Range 103.64 - 103.8
Regular Market Open 103.7
Regular Market Previous Close 103.79
Regular Market Price 103.64
Regular Market Time 1,787,947,200
Regular Market Volume 75,834
Return On Assets 0.0231
Return On Equity 0.07842
Revenue Growth 0.03
Revenue Per Share 88.097
Sand P52 Week Change 0.20504117
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 4
Shares Outstanding 14,680,482
Shares Percent Shares Out 0.0298
Shares Short 438,018
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 308,126
Short Name Safety Insurance Group, Inc.
Short Percent Of Float 0.050100002
Short Ratio 1.29
Source Interval 15
State MA
Symbol SAFT
Total Cash 67,918,000
Total Cash Per Share 4.626
Total Debt 59,773,000
Total Revenue 1,286,306,944
Tradeable 0
Trailing Annual Dividend Rate 3.68
Trailing Annual Dividend Yield 0.03545621
Trailing Eps 4.64
Trailing P E 22.336208
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 78.6339
Two Hundred Day Average Change 25.006096
Two Hundred Day Average Change Percent 0.31800655
Type Disp Equity
Volume 75,834
Website https://www.safetyinsurance.com
Zip 2,110