SAFETY INSURANCE GROUP INC(SAFT)Stock Analysis
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Rank #778 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
SAFT Stock Analysis & AI Quality Score
AI stock analysis and institutional research for SAFETY INSURANCE GROUP INC (SAFT), a Financials sector company. 13F Pro's AI-powered ranking engine scores SAFT at 61.9/100 on a 32-signal composite quality model, placing it at rank #778 of 2,879 stocks — the top half of the AI-ranked universe. SAFT scores in the top quartile across earnings quality (86.2), revenue growth (75.9). Based on the latest XBRL financial filings (Q1 2026), SAFETY INSURANCE GROUP INC reports quarterly revenue of $314.7M, net income of $-14.3M, free cash flow of $-18.9M. Top institutional holders of SAFT by reported 13-F value include BlackRock,, SRB, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. SAFT trades on the Nasdaq exchange and files with the SEC under CIK 1172052. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SAFT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SAFETY INSURANCE GROUP INC directly from SEC EDGAR. SAFETY INSURANCE GROUP INC's 13F Pro composite quality score has ranged between 32 and 71 since 2021, currently 61.9 — a stable long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$314.7M
Net Income
Q1 2026
$-14.3M
Free Cash Flow
Q1 2026
$-18.9M
D/E Ratio
Q1 2026
0.06
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+35.7% YoYNet Income
+425.9% YoYEPS (Diluted)
+423.4% YoYTotal Assets
+18.0% YoYTotal Debt
+66.7% YoYOp. Cash Flow
+273.2% YoY| Metric | FY 2025 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $1.26B +35.7% | $931.0M +16.7% | $797.6M -9.9% | $884.9M +4.6% | $846.2M -3.6% | $877.8M |
| Net Income | $99.3M +425.9% | $18.9M -59.5% | $46.6M -64.4% | $130.7M -5.4% | $138.2M +38.8% | $99.6M |
| EPS (Diluted) | $6.70 +423.4% | $1.28 -59.4% | $3.15 -64.2% | $8.80 -4.1% | $9.18 +42.1% | $6.46 |
| Total Assets | $2.47B +18.0% | $2.09B +6.2% | $1.97B -6.8% | $2.12B +3.1% | $2.05B +1.6% | $2.02B |
| Total Debt | $50.0M +66.7% | $30.0M | — | — | — | — |
| Operating Cash Flow | $194.5M +273.2% | $52.1M +17.6% | $44.3M -68.7% | $141.4M +29.2% | $109.5M -2.7% | $112.5M |
AI Insight: SAFT Financial Trends
SAFT swings to a $14M net loss in Q1 2026, the first loss in eight quarters, while revenue growth stalls near $315M.
• Revenue grew steadily from $270M in Q2 2024 to $327M in Q3 2025, but has since plateaued around $315–319M through Q1 2026.
• Net income collapsed from $20M in Q4 2025 to -$14M in Q1 2026, the steepest single-quarter swing in the dataset.
• Operating cash flow turned sharply negative at -$17M in Q1 2026, reversing strong $74–85M OCF seen in Q3–Q4 2025.
• Total debt declined to $50M in Q1 2026 from $80M in Q4 2025, and equity has held above $850M throughout the period.
⚠ Net loss of $14M in Q1 2026 warrants scrutiny — determine whether driven by catastrophe losses, reserve charges, or investment losses.
⚠ Equity erosion from $900M in Q3 2025 to $856M in Q1 2026 signals capital base pressure if losses persist.
⚠ Debt reduction to $50M in Q1 2026 is a modest positive; monitor whether leverage stays low amid deteriorating earnings.
AI Insight: SAFT Ratio Trends
Q1 2026 swung sharply negative across all profitability metrics, with ROE collapsing to -6.7% and operating margin dropping to -5.7%, erasing prior-year gains.
• Operating margin plunged from 8.0% in Q4 2025 to -5.7% in Q1 2026, the worst single quarter in the dataset.
• ROIC fell from a peak of 15.8% in Q2 2025 to -7.9% in Q1 2026, reversing six quarters of positive returns.
• D/E ratio remains minimal at 0.06 in Q1 2026, essentially unchanged over the entire period, signaling a clean balance sheet.
• TTM NPM of 4.9% and TTM ROE of 7.4% reflect trailing dilution from the Q1 2026 loss dragging rolling averages lower.
⚠ Q1 2026 operating margin of -5.7% — first negative quarter observed — likely catastrophe-loss driven; severity and recurrence are key.
⚠ D/E ticked up to 0.09 in Q4 2025 before falling to 0.06; monitor whether loss-quarter borrowing re-emerges.
⚠ Q1 seasonality has historically been softer (Q1 2025 OpMargin: 9.4%); confirm whether Q1 2026 is an outlier or structural deterioration.
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Available Research
13F Pro tracks comprehensive data for SAFETY INSURANCE GROUP INC including:
Top Institutional Holders of SAFT
BlackRock, Inc.
$162.4M2,235,884 shSRB Corp
$130.4M1,794,655 shVANGUARD PORTFOLIO MANAGEMENT LLC
$61.4M845,760 shSTATE STREET CORP
$55.1M757,977 shDIMENSIONAL FUND ADVISORS LP
$51.7M711,806 shVANGUARD CAPITAL MANAGEMENT LLC
$47.3M651,540 shGOLDMAN SACHS GROUP INC
$29.4M405,277 shGEODE CAPITAL MANAGEMENT, LLC
$27.4M376,947 shAQR CAPITAL MANAGEMENT LLC
$21.9M301,024 shADAGE CAPITAL PARTNERS GP, L.L.C.
$21.8M300,000 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $162.4M | 2,235,884 |
| SRB Corp | $130.4M | 1,794,655 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $61.4M | 845,760 |
| STATE STREET CORP | $55.1M | 757,977 |
| DIMENSIONAL FUND ADVISORS LP | $51.7M | 711,806 |
| VANGUARD CAPITAL MANAGEMENT LLC | $47.3M | 651,540 |
| GOLDMAN SACHS GROUP INC | $29.4M | 405,277 |
| GEODE CAPITAL MANAGEMENT, LLC | $27.4M | 376,947 |
| AQR CAPITAL MANAGEMENT LLC | $21.9M | 301,024 |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $21.8M | 300,000 |
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Popular Research
Is SAFT a good stock to buy?
13F Pro's AI-powered analysis of SAFETY INSURANCE GROUP INC (SAFT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SAFT are available on the SAFT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SAFT?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SAFT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SAFETY INSURANCE GROUP INC's investment landscape.