Safety Insurance Group, Inc. cash flow to debt ratio of 314.41% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Safety Insurance Group, Inc.'s free cash flow has increased 54.43% from $124.32M last year to $191.99M, signaling increasing performance

Safety Insurance Group, Inc.'s debt to equity ratio is 0.07, which means that the company's assets are healthy financed, signaling financial stability.

Safety Insurance Group, Inc.'s debt has increased relative to shareholder equity from 0.06 last year to 0.07 today, signaling weakened financials

Safety Insurance Group, Inc. has a net cash position, so leverage is healthy.

Safety Insurance Group, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Safety Insurance Group, Inc.'s profit margin has decreased (15.84%) in the last year from 6.37% to 5.36%, signaling decreasing performance

Safety Insurance Group, Inc.'s short-term liabilities of $1.57B exceed its short-term assets of $1.31B, signaling financial risk

Safety Insurance Group, Inc.'s return on assets of 2.74% is lower than the 5.00% threshold, indicating inefficient asset utilization

Safety Insurance Group, Inc.'s return on equity of 7.79%, is lower than 15.00%, indicating bad performance

Safety Insurance Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Safety Insurance Group, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Safety Insurance Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Safety Insurance Group, Inc. has a free cash flow yield of 12.65%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Safety Insurance Group, Inc.'s yearly earnings has increased 40.32% since last year from $70.73M to $99.25M, signaling increasing performance

Safety Insurance Group, Inc.'s yearly revenue has increased 13.01% since last year from $1.11B to $1.25B, signaling increasing performance

ROIC 7.38% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Safety Insurance Group, Inc.'s 3-year revenue CAGR of 16.90% is positive, indicating growing revenue over the past 3 years

Safety Insurance Group, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Safety Insurance Group, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Safety Insurance Group, Inc. is undervalued relative to its fair value price of 232.90 based on Discounted Cash Flow model

Safety Insurance Group, Inc. has an earnings yield of 4.57%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Safety Insurance Group, Inc. is overvalued relative to its fair value price of 61.95 based on EBITDA multiple model

Safety Insurance Group, Inc. has an EV/EBITDA ratio of 5.97x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Safety Insurance Group, Inc. is undervalued relative to its fair value price of 132.21 based on Earnings Fair Value model

Safety Insurance Group, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

Safety Insurance Group, Inc. has a price-to-book ratio of 1.71x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Safety Insurance Group, Inc. has a price-to-sales ratio of 1.17x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue