Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Safety Insurance Group, Inc.'s quarterly P/E stands at 14.2x, down 62.0% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has compressed 62.2% YoY to 9.0x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.88 | 14.22 | 9.30 | 10.18 | 13.32 | 37.45 | 11.82 | 16.60 | 15.11 | 22.89 | 131.13 | 15.59 | — |
| — | -62.0% | -21.3% | -38.7% | -11.8% | +63.6% | -91.0% | +6.5% | — | +82.5% | +170.1% | -66.0% | — | |
| P/S Ratio | 0.85 | 0.91 | 0.81 | 0.93 | 0.97 | 1.07 | 1.04 | 1.03 | 1.13 | 1.08 | 1.10 | 1.15 | 1.29 |
| — | -14.9% | -22.7% | -10.1% | -14.3% | -1.4% | -5.5% | -10.4% | -12.0% | -29.2% | -29.4% | -42.6% | -26.1% | |
| P/B Ratio | 1.20 | 1.28 | 1.16 | 1.34 | 1.37 | 1.46 | 1.43 | 1.36 | 1.50 | 1.39 | 1.30 | 1.33 | 1.36 |
| — | -12.5% | -18.7% | -1.4% | -8.6% | +5.6% | +9.8% | +2.5% | +9.8% | -9.1% | -15.0% | -23.7% | -12.2% | |
| P/FCF | 5.57 | 4.00 | 3.05 | 9.10 | 102.35 | 6.03 | 4.15 | 11.02 | — | 8.04 | 8.44 | — | — |
| — | -33.7% | -26.4% | -17.5% | — | -25.0% | -50.8% | — | — | -47.0% | -35.8% | — | — | |
| EV / EBITDA | 8.25 | 9.02 | 6.83 | 7.52 | 9.47 | 23.85 | 8.50 | 11.74 | 11.00 | 15.98 | 60.18 | 11.75 | — |
| — | -62.2% | -19.6% | -35.9% | -13.9% | +49.2% | -85.9% | -0.1% | — | -36.8% | +85.1% | -62.3% | — | |
| EV / EBIT | 8.35 | 10.89 | 7.03 | 7.83 | 10.09 | 29.29 | 9.08 | 12.96 | 11.91 | 17.71 | 97.60 | 12.46 | — |
| — | -62.8% | -22.6% | -39.6% | -15.3% | +65.3% | -90.7% | +4.0% | — | +77.9% | +152.9% | -65.4% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Safety Insurance Group, Inc.'s operating margin was 8.1% in Q4 2025, down 3.1 pp QoQ and up 4.5 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 10.1% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 6.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 36.4% | 34.1% | 36.6% | 38.5% | 36.5% | 32.2% | 37.3% | 35.4% | 36.8% | 33.3% | 29.6% | 37.3% | 21.3% |
| — | +6.0% | -2.0% | +8.9% | -0.9% | -3.2% | +26.1% | -5.1% | +72.6% | -4.5% | -16.1% | +2.1% | -40.6% | |
| Operating Margin | 10.1% | 8.1% | 11.2% | 11.7% | 9.4% | 3.6% | 11.3% | 7.9% | 9.6% | 6.1% | 1.1% | 9.4% | -7.2% |
| — | +126.8% | -0.9% | +46.8% | -1.9% | -41.9% | +934.2% | -15.3% | +233.3% | +13.2% | -73.1% | +68.5% | -236.9% | |
| Net Margin | 7.9% | 6.4% | 8.8% | 9.2% | 7.3% | 2.9% | 8.9% | 6.2% | 7.5% | 4.8% | 0.9% | 7.4% | -5.8% |
| — | +123.3% | -1.5% | +47.2% | -3.0% | -39.9% | +933.7% | -16.2% | +229.7% | -60.9% | -73.4% | +67.0% | -242.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 2.2% | 3.2% | 3.4% | 2.6% | 1.0% | 3.1% | 2.1% | 2.5% | 1.6% | 0.2% | 2.1% | -1.5% |
| — | +131.9% | +2.5% | +63.2% | +4.7% | -37.9% | +1149.9% | -3.4% | +263.1% | -49.5% | -67.7% | +126.5% | -274.4% | |
| ROA | 4.2% | 0.8% | 1.2% | 1.2% | 1.0% | 0.4% | 1.2% | 0.8% | 1.0% | 0.6% | 0.1% | 0.8% | -0.6% |
| — | +128.3% | +0.7% | +59.0% | +0.1% | -39.5% | +1119.3% | -7.9% | +254.0% | -53.1% | -70.0% | +111.5% | -263.2% | |
| ROIC | 11.2% | 2.2% | 3.1% | 3.3% | 2.6% | 0.9% | 3.0% | 1.9% | 2.3% | 1.5% | 0.2% | 1.9% | -1.4% |
| — | +134.8% | +3.5% | +67.4% | +9.9% | -37.7% | +1201.2% | +1.4% | +273.3% | +48.1% | -67.7% | +122.1% | -260.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Safety Insurance Group, Inc.'s Debt/EBITDA ratio is 2.0x, up from 1.1x last quarter — comfortably within a safe range.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.08 |
| — | +25.6% | -13.9% | -15.6% | -13.6% | -10.8% | -16.3% | -17.2% | -27.4% | -13.9% | -4.9% | +5.7% | +27.6% | |
| Debt / EBITDA | 0.48 | 1.97 | 1.13 | 1.13 | 1.48 | 3.64 | 1.33 | 2.03 | 1.76 | 2.82 | 11.93 | 2.45 | — |
| — | -45.8% | -14.8% | -44.7% | -15.9% | +28.8% | -88.9% | -17.1% | — | -39.2% | +106.6% | -48.7% | — | |
| Current Ratio | 0.84 | 0.84 | 0.79 | 28.00 | 23.35 | — | 8.41 | — | — | — | — | — | — |
| — | — | -90.6% | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.84 | 0.84 | 0.79 | 28.00 | 23.35 | — | 8.41 | — | — | — | — | — | — |
| — | — | -90.6% | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 83.80 | 46.55 | 86.00 | 84.32 | 272.44 | 82.60 | 266.36 | 154.88 | 209.19 | 131.45 | 18.81 | 62.69 | -71.89 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Safety Insurance Group, Inc.'s current P/E is 10.9x. The average P/E over the last 4 quarters is 11.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Safety Insurance Group, Inc.'s current operating margin is 10.1%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Safety Insurance Group, Inc.'s business trajectory between earnings reports.