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.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.51 | 7.93 | — | 14.22 | 9.30 | 10.18 | 13.32 | 37.45 | 11.82 | 16.60 | 15.11 | 22.89 | 131.13 | 15.59 | — | 12.54 | 48.55 | 45.80 | 42.85 | 9.93 | 12.08 |
| — | -22.1% | — | -62.0% | -21.3% | -38.7% | -11.8% | +63.6% | -91.0% | +6.5% | — | +82.5% | +170.1% | -66.0% | — | +26.2% | +301.9% | +482.8% | +392.4% | +81.1% | +107.0% | |
| P/S Ratio | 1.22 | 0.84 | 0.84 | 0.91 | 0.81 | 0.93 | 0.97 | 1.07 | 1.04 | 1.03 | 1.13 | 1.08 | 1.10 | 1.15 | 1.29 | 1.53 | 1.56 | 2.01 | 1.74 | 1.45 | 1.38 |
| — | -9.9% | -13.9% | -14.9% | -22.7% | -10.1% | -14.3% | -1.4% | -5.5% | -10.4% | -12.0% | -29.2% | -29.4% | -42.6% | -26.1% | +5.5% | +13.3% | +58.4% | +20.7% | +2.1% | +15.8% | |
| P/B Ratio | 1.72 | 1.24 | 1.23 | 1.28 | 1.16 | 1.34 | 1.37 | 1.46 | 1.43 | 1.36 | 1.50 | 1.39 | 1.30 | 1.33 | 1.36 | 1.53 | 1.53 | 1.74 | 1.55 | 1.37 | 1.29 |
| — | -7.5% | -10.0% | -12.5% | -18.7% | -1.4% | -8.6% | +5.6% | +9.8% | +2.5% | +9.8% | -9.1% | -15.0% | -23.7% | -12.2% | +11.4% | +18.8% | +36.0% | +10.2% | +4.6% | +3.9% | |
| P/FCF | 7.95 | 7.23 | — | 4.00 | 3.05 | 9.10 | 102.35 | 6.03 | 4.15 | 11.02 | — | 8.04 | 8.44 | — | — | 15.19 | 13.15 | 24.94 | — | 10.78 | 6.42 |
| — | -20.5% | — | -33.7% | -26.4% | -17.5% | — | -25.0% | -50.8% | — | — | -47.0% | -35.8% | — | — | +40.9% | +105.0% | +301.6% | — | +17.4% | +18.8% | |
| EV / EBITDA | 11.34 | 6.07 | — | 9.02 | 6.83 | 7.52 | 9.47 | 23.85 | 8.50 | 11.74 | 11.00 | 15.98 | 60.18 | 11.75 | — | 25.29 | 32.51 | 31.22 | 28.76 | 7.47 | 7.37 |
| — | -19.4% | — | -62.2% | -19.6% | -35.9% | -13.9% | +49.2% | -85.9% | -0.1% | — | -36.8% | +85.1% | -62.3% | — | +238.3% | +340.9% | +564.6% | +329.6% | +14.6% | +66.3% | |
| EV / EBIT | 11.95 | 6.07 | — | 10.89 | 7.03 | 7.83 | 10.09 | 29.29 | 9.08 | 12.96 | 11.91 | 17.71 | 97.60 | 12.46 | — | 9.96 | 38.59 | 36.03 | 33.18 | 7.80 | 9.65 |
| — | -22.5% | — | -62.8% | -22.6% | -39.6% | -15.3% | +65.3% | -90.7% | +4.0% | — | +77.9% | +152.9% | -65.4% | — | +27.6% | +299.9% | +493.5% | +377.1% | +82.0% | +110.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 36.4% | 100.0% | 21.4% | 34.1% | 36.6% | 38.5% | 36.5% | 32.2% | 37.3% | 35.4% | 36.8% | 33.3% | 29.6% | 37.3% | 21.3% | 34.9% | 35.3% | 36.5% | 35.9% | 44.8% | 44.9% |
| — | +159.6% | -41.3% | +6.0% | -2.0% | +8.9% | -0.9% | -3.2% | +26.1% | -5.1% | +72.6% | -4.5% | -16.1% | +2.1% | -40.6% | -22.2% | -21.5% | -30.6% | -26.3% | -15.6% | -18.9% | |
| Operating Margin | 10.1% | 13.4% | -5.7% | 8.1% | 11.2% | 11.7% | 9.4% | 3.6% | 11.3% | 7.9% | 9.6% | 6.1% | 1.1% | 9.4% | -7.2% | 5.4% | 4.1% | 5.6% | 5.3% | 18.4% | 18.2% |
| — | +15.3% | -160.2% | +126.8% | -0.9% | +46.8% | -1.9% | -41.9% | +934.2% | -15.3% | +233.3% | +13.2% | -73.1% | +68.5% | -236.9% | -70.7% | -77.7% | -78.4% | -74.7% | -11.5% | -30.1% | |
| Net Margin | 7.9% | 10.6% | -4.5% | 6.4% | 8.8% | 9.2% | 7.3% | 2.9% | 8.9% | 6.2% | 7.5% | 4.8% | 0.9% | 7.4% | -5.8% | 12.1% | 3.2% | 4.4% | 4.1% | 14.6% | 11.5% |
| — | +15.7% | -162.2% | +123.3% | -1.5% | +47.2% | -3.0% | -39.9% | +933.7% | -16.2% | +229.7% | -60.9% | -73.4% | +67.0% | -242.3% | -16.9% | -71.9% | -72.5% | -75.5% | -43.6% | -44.2% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.5% | 4.0% | -1.6% | 2.2% | 3.2% | 3.4% | 2.6% | 1.0% | 3.1% | 2.1% | 2.5% | 1.6% | 0.2% | 2.1% | -1.5% | 3.1% | 0.8% | 0.9% | 0.9% | 3.5% | 2.7% |
| — | +18.7% | -162.8% | +131.9% | +2.5% | +63.2% | +4.7% | -37.9% | +1149.9% | -3.4% | +263.1% | -49.5% | -67.7% | +126.5% | -274.4% | -10.7% | -71.2% | -77.4% | -78.5% | -43.8% | -50.3% | |
| ROA | 4.2% | 1.4% | -0.6% | 0.8% | 1.2% | 1.2% | 1.0% | 0.4% | 1.2% | 0.8% | 1.0% | 0.6% | 0.1% | 0.8% | -0.6% | 1.3% | 0.3% | 0.4% | 0.4% | 1.5% | 1.2% |
| — | +12.5% | -160.8% | +128.3% | +0.7% | +59.0% | +0.1% | -39.5% | +1119.3% | -7.9% | +254.0% | -53.1% | -70.0% | +111.5% | -263.2% | -16.2% | -72.7% | -77.9% | -78.4% | -41.8% | -47.0% | |
| ROIC | 11.2% | 3.8% | -1.5% | 2.2% | 3.1% | 3.3% | 2.6% | 0.9% | 3.0% | 1.9% | 2.3% | 1.5% | 0.2% | 1.9% | -1.4% | 1.0% | 0.7% | 0.9% | 0.8% | 3.3% | 3.2% |
| — | +16.6% | -159.8% | +134.8% | +3.5% | +67.4% | +9.9% | -37.7% | +1201.2% | +1.4% | +273.3% | +48.1% | -67.7% | +122.1% | -260.6% | -69.4% | -77.9% | -82.8% | -77.8% | -11.6% | -35.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 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 | 0.07 | 0.07 | 0.07 | 0.07 | 0.06 | 0.06 |
| — | +36.4% | +36.0% | +25.6% | -13.9% | -15.6% | -13.6% | -10.8% | -16.3% | -17.2% | -27.4% | -13.9% | -4.9% | +5.7% | +27.6% | +16.6% | +11.9% | +6.2% | -2.4% | -10.7% | -16.6% | |
| Debt / EBITDA | 0.46 | 1.34 | — | 1.97 | 1.13 | 1.13 | 1.48 | 3.64 | 1.33 | 2.03 | 1.76 | 2.82 | 11.93 | 2.45 | — | 4.64 | 5.77 | 4.79 | 4.78 | 1.35 | 1.40 |
| — | +19.2% | — | -45.8% | -14.8% | -44.7% | -15.9% | +28.8% | -88.9% | -17.1% | — | -39.2% | +106.6% | -48.7% | — | +243.3% | +312.4% | +403.1% | +277.1% | -1.0% | +32.4% | |
| Current Ratio | 0.84 | 1.42 | 0.82 | 0.84 | 0.79 | 0.79 | 0.80 | — | 0.80 | — | — | — | — | — | — | — | — | — | — | — | 2.02 |
| — | +80.7% | +3.0% | — | -1.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 0.84 | 1.42 | 0.82 | 0.84 | 0.79 | 0.79 | 0.80 | — | 0.80 | — | — | — | — | — | — | — | — | — | — | — | 17.30 |
| — | +80.7% | +3.0% | — | -1.7% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 83.80 | 54.75 | -27.90 | 46.55 | 86.00 | 84.32 | 272.44 | 82.60 | 266.36 | 154.88 | 209.19 | 131.45 | 18.81 | 62.69 | -71.89 | 241.95 | 59.89 | 76.47 | 79.40 | 306.74 | 238.84 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SAFT stock.
Safety Insurance Group, Inc.'s current P/E is 15.5x. The average P/E over the last 3 quarters is 10.5x. 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 expanding 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.