SAFT
Safety Insurance Group, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Buy
+37/100
Last price
103.94
▲ 0.05 (0.05%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
103.88
Prev close
103.89
Day high
103.94
Day low
103.81
Volume
107.60K
Market cap
$1.53B
P/E (TTM)
22.30
52W range
67.04 – 104.01
Day trading desk
Gap from prior close
-0.01%
Prior close 103.89
VWAP
103.90
+0.03% from price
Relative volume
0.78×
Normal
Session range
0.13%
103.81 – 103.94
Position in range
100%
Near session high
ATR (14D)
0.22
0.21% of price
Prior day high
104.01
PDH
Prior day low
103.79
PDL
Bid / ask spread
—
Quote not published
Session volume
161.92K
Avg 207.72K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.30%
-1.6%
1M
+0.77%
-0.4%
3M
+34.32%
+29.8%
6M
+40.52%
+22.3%
YTD
+33.41%
+19.2%
1Y
+46.58%
+30.2%
3Y
+52.43%
-29.8%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on SAFT open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
311.67K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 27, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.24M | $127.84M | Indirect |
| Jul 24, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 38.84K | $4.00M | Indirect |
| Jul 17, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 5.16K | $392.25K | Indirect |
| Jul 13, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 34.27K | $2.61M | Indirect |
| Jul 9, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 2.65K | $202.75K | Indirect |
| Mar 20, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 14.15K | $1.01M | Indirect |
| Mar 17, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.20K | $87.60K | Indirect |
| Mar 2, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 11.51K | $880.33K | Indirect |
| Feb 26, 26 | SRB CORP Beneficial Owner of more than 10% of a Class of Security |
SELL | 13.63K | $1.07M | Indirect |
| Feb 25, 26 | MURPHY GEORGE M Chief Executive Officer |
STOCK | 13.58K | $0 | Direct |
| Feb 25, 26 | MEEHAN THALIA M Director |
STOCK | 1.08K | $0 | Direct |
| Feb 25, 26 | MORAN MARY COFFEY Director |
STOCK | 1.08K | $0 | Direct |
| Feb 25, 26 | NARCISO PAUL J Officer |
STOCK | 4.63K | $0 | Direct |
| Feb 25, 26 | VARGA STEPHEN ALBERT Officer |
STOCK | 5.55K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BROPHY CHARLES JOSEPH III |
Director | 12.08K | Stock Award(Grant) |
DRAGO JOHN PATRICK |
Officer | 32.16K | Stock Award(Grant) |
HILTPOLD GLENN R. |
Officer | 14.96K | Stock Award(Grant) |
MCCONNELL MARY FRANCES |
Officer | 9.47K | Stock Award(Grant) |
MEEHAN THALIA M |
Director | 10.08K | Stock Award(Grant) |
MURPHY GEORGE M |
Chief Executive Officer | 117.41K | Stock Award(Grant) |
NARCISO PAUL J |
Officer | 40.35K | Stock Award(Grant) |
SRB CORP |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
VARGA STEPHEN ALBERT |
Officer | 31.50K | Stock Award(Grant) |
WHITFORD CHRISTOPHER THOMAS |
Chief Financial Officer | 23.16K | Stock Award(Grant) |
Fundamentals
Market cap$1.53B
Enterprise value$1.52B
Revenue (TTM)$1.29B
Gross profit$98.34M
EBITDA$95.54M
Net income$69.20M
EPS (TTM)$4.66
Free cash flow$160.49M
Total cash$67.92M
Total debt$59.77M
Book value / share$59.71
Shares outstanding14.68M
Float13.60M
Short % of float5.03%
Dividend yield3.54%
Beta (5Y)0.17
Valuation & profitability ratios
Trailing P/E22.30
Forward P/E16.63
PEG ratio0.95
Price / sales—
Price / book1.74
EV / revenue1.18
EV / EBITDA15.89
Gross margin7.65%
Operating margin13.69%
Profit margin5.33%
Return on equity7.84%
Return on assets2.31%
Debt / equity6.82
Current ratio0.39
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.25B | $1.11B | $925.95M | $785.06M | +13.0% |
| Operating revenue | $1.25B | $1.11B | $925.95M | $785.06M | +13.0% |
| Net interest income | -$1.53M | -$509.00K | -$818.00K | -$524.00K | -200.6% |
| Pre-tax income | $126.68M | $89.87M | $24.42M | $59.58M | +41.0% |
| Tax provision | $27.43M | $19.13M | $5.54M | $13.02M | +43.4% |
| Net income | $99.25M | $70.73M | $18.88M | $46.56M | +40.3% |
| Net income to common | $98.80M | $70.42M | $18.79M | $46.36M | +40.3% |
| Basic EPS | 6.72 | 4.79 | 1.28 | 3.17 | +40.3% |
| Diluted EPS | 6.70 | 4.78 | 1.28 | 3.15 | +40.2% |
| EBIT | $128.21M | $90.38M | $25.24M | $60.10M | +41.9% |
| Basic shares | 14.71M | 14.69M | 14.66M | 14.61M | +0.1% |
| Diluted shares | 14.75M | 14.72M | 14.71M | 14.71M | +0.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $73.90M | $58.97M | $38.15M | $25.30M | +25.3% |
| Cash & short-term investments | $773.93M | $1.19B | $1.09B | $1.08B | -35.2% |
| Accounts receivable | $479.06M | $463.64M | $382.44M | $298.92M | +3.3% |
| Property, plant & equipment | $18.94M | $20.27M | $31.48M | $41.46M | -6.6% |
| Goodwill & intangibles | $23.88M | $24.82M | $24.64M | $24.95M | -3.8% |
| Total assets | $2.47B | $2.27B | $2.09B | $1.97B | +8.9% |
| Current debt | $50.00M | $30.00M | $30.00M | $35.00M | +66.7% |
| Total debt | $61.86M | $45.73M | $49.76M | $58.34M | +35.3% |
| Total liabilities | $1.58B | $1.44B | $1.29B | $1.16B | +9.5% |
| Retained earnings | $844.06M | $798.76M | $781.19M | $815.31M | +5.7% |
| Shareholder equity | $892.31M | $828.46M | $804.27M | $812.00M | +7.7% |
| Net tangible assets | $868.43M | $803.64M | $779.62M | $787.05M | +8.1% |
| Shares issued | 18.05M | 18.00M | 17.95M | 17.88M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $99.25M | $70.73M | $18.88M | $46.56M | +40.3% |
| Depreciation & amortisation | $6.78M | $9.46M | $6.95M | $6.61M | -28.4% |
| Stock-based compensation | $4.83M | $4.48M | $4.33M | $5.98M | +7.7% |
| Change in working capital | $103.90M | $62.17M | $33.55M | -$34.94M | +67.1% |
| Operating cash flow | $194.50M | $128.69M | $52.11M | $44.33M | +51.1% |
| Capital expenditure | -$2.51M | -$4.37M | -$1.78M | -$2.09M | +42.6% |
| Investing cash flow | -$125.71M | -$54.54M | $24.27M | -$19.99M | -130.5% |
| Share buybacks | -$20.00M | $0 | -$5.24M | -$14.60M | — |
| Dividends paid | -$53.87M | -$53.33M | -$53.29M | -$53.04M | -1.0% |
| Financing cash flow | -$53.87M | -$53.33M | -$63.53M | -$62.64M | -1.0% |
| Free cash flow | $191.99M | $124.32M | $50.33M | $42.23M | +54.4% |
| End cash position | $73.90M | $58.97M | $38.15M | $25.30M | +25.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $322.36M | $311.11M | $315.30M | $323.21M | $315.93M | +3.6% |
| Operating revenue | $322.36M | $311.11M | $315.30M | $323.21M | $315.93M | +3.6% |
| Net interest income | -$814.00K | -$618.00K | -$558.00K | -$426.00K | -$442.00K | -31.7% |
| Pre-tax income | $43.76M | -$17.86M | $25.42M | $36.21M | $36.83M | +345.0% |
| Tax provision | $9.24M | -$3.54M | $5.30M | $7.90M | $7.89M | +361.2% |
| Net income | $34.52M | -$14.32M | $20.11M | $28.31M | $28.94M | +341.0% |
| Net income to common | $34.34M | -$14.32M | $20.02M | $28.18M | $28.80M | +339.8% |
| Basic EPS | 2.36 | -0.99 | 1.37 | 1.91 | 1.95 | +338.4% |
| Diluted EPS | 2.36 | -0.99 | 1.36 | 1.91 | 1.95 | +338.4% |
| EBIT | $44.57M | -$17.24M | $25.97M | $36.64M | $37.27M | +358.5% |
| Basic shares | 14.52M | 14.50M | 14.64M | 14.75M | 14.74M | +0.2% |
| Diluted shares | 14.56M | 14.50M | 14.67M | 14.78M | 14.78M | +0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $67.92M | $54.83M | $73.90M | $56.23M | $49.41M | +23.9% |
| Cash & short-term investments | $771.34M | $753.35M | $773.93M | $657.93M | $610.67M | +2.4% |
| Accounts receivable | $508.26M | $477.38M | $479.06M | $505.85M | $500.87M | +6.5% |
| Property, plant & equipment | $9.77M | $11.10M | $18.94M | $12.63M | $13.66M | -12.0% |
| Goodwill & intangibles | $23.40M | $23.64M | $23.88M | $24.11M | $24.35M | -1.0% |
| Total assets | $2.50B | $2.43B | $2.47B | $2.45B | $2.36B | +2.8% |
| Current debt | $50.00M | $50.00M | $50.00M | $30.00M | $30.00M | 0.0% |
| Total debt | $59.77M | $61.10M | $61.86M | $42.63M | $43.66M | -2.2% |
| Total liabilities | $1.63B | $1.58B | $1.58B | $1.55B | $1.49B | +3.0% |
| Retained earnings | $837.30M | $816.27M | $844.06M | $837.51M | $822.84M | +2.6% |
| Shareholder equity | $876.65M | $855.75M | $892.31M | $899.55M | $873.26M | +2.4% |
| Net tangible assets | $853.25M | $832.11M | $868.43M | $875.44M | $848.91M | +2.5% |
| Shares issued | 14.68M | 18.10M | 18.05M | 18.05M | 18.05M | -18.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $34.52M | -$14.32M | $20.11M | $28.31M | $28.94M | — | +341.0% |
| Depreciation & amortisation | $1.37M | $1.37M | $1.38M | $1.49M | $1.97M | — | +0.1% |
| Stock-based compensation | $1.31M | $1.44M | $1.15M | $1.16M | $1.13M | — | -9.0% |
| Change in working capital | $9.11M | -$8.47M | $49.62M | $60.18M | $10.41M | — | +207.7% |
| Operating cash flow | $38.33M | -$17.03M | $73.55M | $85.45M | $32.32M | — | +325.0% |
| Capital expenditure | -$627.00K | -$1.84M | -$2.11M | — | -$68.00K | -$332.00K | +66.0% |
| Investing cash flow | -$11.88M | $11.56M | -$42.43M | -$65.06M | -$34.35M | — | -202.8% |
| Dividends paid | -$13.36M | -$13.59M | -$13.45M | -$13.57M | -$13.28M | — | +1.7% |
| Financing cash flow | -$13.36M | -$13.59M | -$13.45M | -$13.57M | -$13.28M | — | +1.7% |
| Free cash flow | $37.70M | -$18.88M | $71.44M | $85.45M | $32.26M | — | +299.7% |
| End cash position | $67.92M | $54.83M | $73.90M | $56.23M | $49.41M | — | +23.9% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
105.00
+1.0% from spot
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
105.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Dec 2017 | 0.80 | 0.72 | -10.0% |
| Sep 2017 | 1.09 | 1.18 | +8.3% |
| Jun 2017 | 1.37 | 1.39 | +1.5% |
| Mar 2017 | 0.78 | 0.79 | +1.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders2.12%
Held by institutions85.29%
Institutions holding304
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
103.69
+0.24% from price
SMA 20
103.58
+0.34% from price
SMA 50
103.48
+0.44% from price
SMA 100
88.73
+17.14% from price
SMA 200
82.27
+26.34% from price
EMA 12
103.71
+0.22% from price
EMA 26
103.06
+0.85% from price
EMA 50
99.81
+4.14% from price
RSI (14)
74.9
Overbought
MACD (12,26,9)
0.65
Hist -0.20
ATR (14)
0.22
0.21% of price
Realised vol 30D
2.2%
Annualised
Bollinger upper
103.94
20, 2σ
Bollinger lower
103.23
20, 2σ
50 / 200 cross
Golden
103.48 vs 82.27
Trend bias
Above 200
+26.34%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.16
Less volatile than market
Correlation to SPY
-0.05
Largely independent
Realised vol 30D
2.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-15.2%
Peak to trough
Max drawdown 5Y
-33.8%
Peak to trough
ATR 14
0.22
0.21% of price
Beta (reported)
0.17
5Y monthly, from filing
Short interest
Shares short
439.51K
Prior 438.02K
Change vs prior
+0.3%
Shorts adding
% of float
5.03%
Normal
% of shares out
2.99%
Against total outstanding
Days to cover
3.4
Liquid
Float
13.60M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Mar 8, 18 | Compass Point | UPGRADE | Sell | Neutral |
| Oct 16, 17 | Compass Point | DOWNGRADE | Neutral | Sell |
| Nov 5, 14 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Nov 5, 14 | Compass Point | DOWNGRADE | Buy | Neutral |
| Aug 28, 14 | Compass Point | INITIATED | — | Buy |
Dividends & splits
Forward rate$3.68 / yr
Forward yield3.54%
5-year avg yield4.50%
Payout ratio78.97%
Ex-dividend dateSep 1, 2026
Next pay dateSep 15, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-15
Proxy Statements
DEFM14A · 2026-09-14
Proxy Statements
PREM14A · 2026-09-03
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-08-05
Proxy Statements
DEFA14A · 2026-07-24
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-06-15
Headlines
Safety Insurance: Q2 Earnings Snapshot
Associated Press · 62d ago
Safety Insurance Group, Inc. Announces Second Quarter 2026 Results and Declares Third Quarter 2026 Dividend
Business Wire · 62d ago
AM Best Comments on Credit Ratings of MAPFRE S.A.’s Rated Operating Subsidiaries Following Announced Acquisition of Safety Insurance Group, Inc.
Business Wire · 71d ago
AM Best Places Credit Ratings of Safety Insurance Group, Inc. and Its Key Subsidiaries Under Review With Developing Implications
Business Wire · 71d ago
47-year-old insurance stock shocks market with jaw-dropping move
TheStreet · 72d ago
Update: Safety Insurance Agrees to $1.54 Billion Acquisition by Mapfre; Shares Surge
MT Newswires · 74d ago
Top Midday Gainers
MT Newswires · 75d ago
Biggest Mover Friday: Safety Insurance Stock Soars 40% after $1.54B buyout deal
GuruFocus.com · 75d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.