Safety Insurance Group
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
11.80
Price/Sales ratio
1.15
Earnings per Share (EPS)
$6.25

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
16.29-60.5017.0519.3414.8214.128.459.6426.4359.0316.2414.82
Price/Sales ratio
1.241.051.341.441.481.601.391.451.561.191.121.60
Price/Book Value ratio
1.361.301.641.721.711.731.321.351.511.381.421.73
Price/Cash Flow ratio
9.9136.6111.1414.719.6612.5010.678.9127.7621.3810.739.66
Price/Free Cash Flow ratio
10.0944.4611.7215.8610.5813.6711.749.4629.1422.1311.1810.58
Price/Earnings Growth ratio
-9.300.48-0.03-5.180.440.770.20-2.23-0.41-0.98-2.550.77
Dividend Yield
4.06%5.00%3.83%3.76%3.95%3.74%4.66%4.28%4.30%4.78%4.39%3.95%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100.11%100%
Operating Profit Margin
10.71%-3.60%11.42%10.36%12.57%14.12%20.79%18.99%7.67%1.32%6.85%14.12%
Pretax Profit Margin
10.71%-3.60%11.42%10.35%12.56%14.12%20.79%18.99%7.58%2.62%8.78%14.12%
Net Profit Margin
7.62%-1.74%7.90%7.45%10.02%11.37%16.44%15.11%5.93%2.02%6.91%11.37%
Effective Tax Rate
28.76%51.63%30.76%28.04%20.19%19.46%20.91%20.42%21.85%22.70%21.72%20.19%
Return on Assets
3.54%-0.81%3.67%3.45%4.48%4.92%6.72%6.17%2.36%0.90%3.29%4.92%
Return On Equity
8.38%-2.14%9.62%8.89%11.57%12.32%15.62%14.09%5.73%2.34%9.14%12.32%
Return on Capital Employed
5.18%-1.74%5.52%4.97%5.87%6.39%9.02%8.20%3.09%0.77%3.33%6.39%
Liquidity Ratios
Current Ratio
3.233.882.683.652.822.941.83N/AN/AN/A8.402.82
Quick Ratio
3.233.882.683.652.8221.5916.6716.1564.100.078.402.82
Cash ratio
0.620.810.280.650.460.500.450.541.000.071.330.46
Days of Sales Outstanding
82.3581.92N/A83.1383.62137.46130.50122.67139.38N/A105.0283.62
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A105.02N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-28.66KN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A28.76KN/A
Debt Ratios
Debt Ratio
N/AN/AN/AN/AN/AN/A0.020.010.010.010.01N/A
Debt Equity Ratio
N/AN/AN/AN/AN/AN/A0.060.030.040.040.03N/A
Long-term Debt to Capitalization
N/AN/AN/AN/AN/AN/A0.030.03N/A0.03N/AN/A
Total Debt to Capitalization
N/AN/AN/AN/AN/AN/A0.060.030.040.040.03N/A
Interest Coverage Ratio
925.75-318.271.03KN/AN/AN/A1.31KN/AN/AN/A146.74N/A
Cash Flow to Debt Ratio
N/AN/AN/AN/AN/AN/A1.794.711.261.503.77N/A
Company Equity Multiplier
2.362.642.622.572.582.502.322.282.422.602.662.58
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.120.020.120.090.150.120.130.160.050.050.100.12
Free Cash Flow / Operating Cash Flow Ratio
0.980.820.950.920.910.910.900.940.950.960.950.91
Cash Flow Coverage Ratio
N/AN/AN/AN/AN/AN/A1.794.711.261.503.77N/A
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/A3.53N/A1.2611.333.77N/A
Dividend Payout Ratio
66.21%-303.01%65.44%72.86%58.67%52.87%39.48%41.31%113.91%282.33%71.15%58.67%