SAFETY INSURANCE GROUP INC (SAFT)
Financials · Property and Casualty Insurance · NASDAQ
Safety Insurance Group is a regional property and casualty insurer focused on personal and commercial lines in the New England market.
What SAFETY INSURANCE GROUP INC does
Safety Insurance Group provides property and casualty insurance products, including private passenger automobile, homeowners, and commercial automobile insurance. The company operates primarily in the New England region, distributing its policies through a network of independent insurance agents.
Themes: property and casualty insurance, regional insurance market, personal lines insurance, commercial lines insurance
Fundamentals
- Price$103.94 as of 2026-10-08 close
- Market cap$1.5B as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+49.5% 2025-10-08 close $69.52 → 2026-10-08 close $103.94
- P/E24.40 as of 2026-10-08
- Net margin+7.9% FY2025, SEC XBRL
- ROE+11.1% FY2025, SEC XBRL
- Debt / equity0.06 as of 2026-09-02
- Revenue growth (YoY)+11.5% as of 2026-09-02
- Revenue CAGR (3y)+16.6% SEC XBRL
- Beta0.19 as of 2026-09-02
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.6%; at least 17 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How SAFT compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-02
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, SAFT's dividend was covered by reported results (earnings payout 54%, free-cash-flow payout 28%). This describes past coverage, not a forecast.
- Earnings payout54% dividends / net income
- Free-cash-flow payout28% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How SAFETY INSURANCE GROUP INC looks technically
SAFETY INSURANCE GROUP INC (SAFT) is trading 25.8% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 51 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 54, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 73, in overbought territory (above 70). It made a new 20-day high about 3 trading days ago. It is trading at or near its all-time high.
Trend
8
| Distance from the 200-day | it is trading 25.8% above its 200-day average, the long-term trend line — a longer-term uptrend | +25.8% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $103.51 | $103.51 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $82.64 | $82.64 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 78.94. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 51 trading days ago — a "golden cross", a bullish long-term signal | 51 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 54, with buyers in control | 54.4 |
Momentum
3
| 14-day RSI | momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 73, in overbought territory (above 70) | 73.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($103.43 to $104.01) — its "stochastic" reading is 88 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. Read that with care: its whole 14-day range is only about 0.6% of the price, so being at one end of it is a smaller move than it sounds — a company pinned near an agreed takeover price does this. | 87.9 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 40 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $104.01 | $104.01 |
|---|---|---|
| From the 52-week high | it is trading right at its highest price of the past year (its 52-week high) | -0.1% |
| Above the 52-week low | it is 55.0% above its 52-week low (its lowest price of the past year) | +55.0% |
| Below the 52-week high | it is at or near its highest point of the past year | 0.1% |
| Since a 20-day breakout | it made a new 20-day high about 3 trading days ago | 3 sessions |
| Since a 55-day breakout | it made a new 55-day high about 3 trading days ago | 3 sessions |
| All-time high | its highest closing price on record is $104.01 (set on 2026-10-02) | $104.01 |
| Given back of the 52-week move | over the past year its closes ranged ($67.37 to $103.94), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $80.17 to $81.34. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is trading at or near its all-time high | -0.1% |
| Nearest price level | it is trading 0.5% above a support level at $103.40 — a price it turned at four times since 2026-08-18, most recently on 2026-09-24. Since 2024-10-08 it has 11 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.5% |
| All-time low | its lowest closing price on record is $28.16 (set on 2009-03-11) | $28.16 |
| Above the all-time low | it is 269.1% above its all-time low | +269.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 85% of it) | 15th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.2842 between its high and its low — about 0.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.2842 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $103.27 and $104.01 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $103.27 – $103.64 – $104.01 |
| Typical daily range (% of price) | its price moves about 0.3% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 0.3% |
| Stretch from the 200-day average | it is trading 75.0 daily ranges above its 200-day average price (25.8% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale. Read that multiple with care: this company's daily range is unusually small (about 0.3% of its price), which is what makes the multiple large — a stock trading in a narrow band near a takeover price does this | 75.0 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.89× |
|---|
Candlestick patterns
2
| Since a doji | 9 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 9 sessions ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.0% |
|---|---|---|
| Open gap | it gapped 41.2% above the previous close 53 sessions ago and has not traded back through the level it left behind at 72.94 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +41.2% |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.5 percentage points (the stock gained 0.6% while the market gained 1.0%) | -0.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 30.5 percentage points (the stock gained 34.3% while the market gained 3.8%) | +30.5% |
| vs market, 6 months | over the past 6 months this stock beat the market by 24.3 percentage points (the stock gained 41.8% while the market gained 17.5%) | +24.4% |
| vs market, 12 months | over the past 12 months this stock beat the market by 34.5 percentage points (the stock gained 49.5% while the market gained 15.0%) | +34.5% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, a strong uptrend, with buyers in control, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), MACD momentum is negative, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 16.0% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross. | +0.5% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 17% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $88.87 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +17.0% |
|---|
Price levels it has turned at before
SAFT last closed at $103.94 on 2026-10-08. Since 2024-10-08 it has turned at 11 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $103.40 | Support | 0.5% below the last close | turned there four times · 2026-08-18 to 2026-09-24 |
| $89.67 | Support | 13.7% below the last close | turned there twice · 2024-11-06 to 2024-12-05 |
| $84.62 | Support | 18.6% below the last close | turned there twice · 2024-10-21 to 2025-05-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $78.94.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $87.34 and $96.08 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Overbought (14-day RSI above 70) · Near the 52-week high · Broke out to a new 20-day high · in a strong, established uptrend (ADX) · Near the all-time high | Learn: moving average · golden cross · adx · rsi · breakout · all time high
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Exposure to severe weather events and catastrophic losses in the New England region.","Significant reliance on investment portfolio performance for profitability.","Regulatory and legal risks inherent in the property and casualty insurance industry."]
Insider activity (SEC Form 4)
0 open-market purchases and 5 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 5 sells ($135M) — 1 selling insider
- Last 180 days · read to 2026-10-040 buys · 6 sells ($135M) — 1 selling insider
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-27. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about SAFT's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding SAFT as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,339,232
- Reported value $249,974,909
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about SAFT's institutional holders → See what each manager we track holds →
Short interest (FINRA)
SAFT had 439,510 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
SAFT had 2.99% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.7 days to cover at the same settlement.
- Reported short interest (shares) 439,510
- Short interest (% of shares outstanding) 2.99%
- Prior settlement (shares) 430,071
- Reported change 2.19%
- Days to cover (reported) 3.7
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- The Progressive Corporation (PGR)
- The Allstate Corporation (ALL)
- The Travelers Companies (TRV)
- Berkshire Hathaway
- Hanover Insurance Group (THG)
- Selective Insurance Group (SIGI)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare SAFT vs…
SAFETY INSURANCE GROUP INC is found in…
Frequently asked questions
What does SAFETY INSURANCE GROUP INC (SAFT) do?
Safety Insurance Group provides property and casualty insurance products, including private passenger automobile, homeowners, and commercial automobile insurance. The company operates primarily in the New England region, distributing its policies through a network of independent insurance agents.
What sector is SAFETY INSURANCE GROUP INC (SAFT) in?
SAFETY INSURANCE GROUP INC (SAFT) is classified in the Financials sector. Its industry is Property and Casualty Insurance. It trades on NASDAQ.
Does SAFT pay a dividend?
Yes — SAFETY INSURANCE GROUP INC (SAFT) pays a dividend, with an indicated yield of about 3.56% and at least 17 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Who are SAFETY INSURANCE GROUP INC's (SAFT) competitors?
Notable peers of SAFETY INSURANCE GROUP INC (SAFT) include The Progressive Corporation, The Allstate Corporation, The Travelers Companies, Berkshire Hathaway and Hanover Insurance Group. This peer set is informational only — not financial advice.
Is SAFETY INSURANCE GROUP INC (SAFT) overbought or oversold right now?
SAFETY INSURANCE GROUP INC (SAFT) is currently in overbought territory (its 14-day RSI is 73, above 70) (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on SAFT come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.