ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Safety Insurance Group, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 9.97%
2
The company has declared Positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 159.73 MM
- ROCE(HY) Highest at 10.08%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 8.58%, it has a expensive valuation with a 1.67 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -10.87%, its profits have risen by 42.9% ; the PEG ratio of the company is 0.5
- At the current price, the company has a high dividend yield of 375.4
4
High Institutional Holdings at 86%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -10.87% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Safety Insurance Group, Inc. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Safety Insurance Group, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Safety Insurance Group, Inc.
-11.79%
0.01
20.92%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.06%
EBIT Growth (5y)
20.55%
EBIT to Interest (avg)
3.64
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.95%
Dividend Payout Ratio
75.24%
Pledged Shares
0
Institutional Holding
86.00%
ROCE (avg)
0.46%
ROE (avg)
9.97%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.67
EV to EBIT
NA
EV to EBITDA
146.74
EV to Capital Employed
1.73
EV to Sales
1.17
PEG Ratio
0.46
Dividend Yield
375.40%
ROCE (Latest)
ROE (Latest)
8.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 159.73 MM
ROCE(HY)
Highest at 10.08%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at USD 315.89 MM
OPERATING PROFIT(Q)
Highest at USD 36.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 11.66 %
PRE-TAX PROFIT(Q)
Highest at USD 36.76 MM
NET PROFIT(Q)
Highest at USD 28.89 MM
EPS(Q)
Highest at USD 1.95
-8What is not working for the Company
INTEREST(HY)
At USD 0.55 MM has Grown at 109.2%
INTEREST COVERAGE RATIO(Q)
Lowest at 446.38
Here's what is working for Safety Insurance Group, Inc.
Operating Cash Flow
Highest at USD 159.73 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 315.89 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 36.82 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 11.66 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 36.76 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 36.76 MM has Grown at 72.81%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 28.89 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 28.89 MM has Grown at 73.33%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.95
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Safety Insurance Group, Inc.
Interest
At USD 0.55 MM has Grown at 109.2%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 446.38
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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