ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Safety Insurance Group, Inc. ?
1
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -6.27% 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 sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Safety Insurance Group, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Safety Insurance Group, Inc.
-7.0%
-0.19
20.71%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.42%
EBIT Growth (5y)
32.08%
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
85.33%
ROCE (avg)
0.46%
ROE (avg)
9.97%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.43
EV to EBIT
1232.92
EV to EBITDA
156.92
EV to Capital Employed
1.45
EV to Sales
1.01
PEG Ratio
0.92
Dividend Yield
421.62%
ROCE (Latest)
ROE (Latest)
9.68%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 171.36 MM
ROCE(HY)
Highest at 9.97%
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at USD 78.96 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 324.71 MM
-11What is not working for the Company
INTEREST(HY)
At USD 0.87 MM has Grown at 231.3%
INTEREST COVERAGE RATIO(Q)
Lowest at 349.53
DIVIDEND PAYOUT RATIO(Y)
Lowest at 48.25%
Here's what is working for Safety Insurance Group, Inc.
Operating Cash Flow
Highest at USD 171.36 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 324.71 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Profit
Higher at USD 78.96 MM
than preceding 12 month period ended Sep 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
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 0.87 MM has Grown at 231.3%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest Coverage Ratio
Lowest at 349.53
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Dividend Payout Ratio
Lowest at 48.25%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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