Stock Ratings / Financials / SAFT / dividends

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Safety Insurance Group Inc. (SAFT) Dividend Safety Gauge & 10-Year DRIP Compounder

$103.90 -0.05% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $104.14

Safety Insurance Group Inc. (SAFT) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 11% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate) →

ROARABLE B • BUY Cap $1.53B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SAFT Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SAFT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Safety Insurance Group Inc. (NASDAQ: SAFT) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $103.90 (-0.05% 1D, market cap $1.53B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SAFT ranks #52 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SAFT compare to UFCS and UVE in the Financials sector?

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Within the Financials sector (Property-Casualty Insurers), SAFT carries a Roarable B (74/100 RQD), trailing P/E of 15.4x, gross margin of —, and ROIC of 11.1%. By comparison, UFCS (United Fire Group Inc.) holds a B- grade (71/100 RQD, P/E 12.4x, ROIC 12.6%, cap $1.46B) and UVE (UNIVERSAL INSURANCE HOLDINGS INC) posts a B grade (73/100 RQD, P/E 7.2x, ROIC 33.2%, cap $1.32B). Among the 5-stock peer group, UVE leads on earnings multiple (7.2x) while UVE leads on capital efficiency (33.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SAFT?

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Per SAFT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001172052), Safety Insurance Group Inc. generated $1.26B in revenue (+12.8% YoY), $99.3M in net income, and $192.0M in free cash flow against $2.47B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $104.14 (+0.23%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 15.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+7.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SAFT)Realized 20D OHLCV Swing Band: ±1.8%

Deterministic 5-Pillar Attribution (74/100 Composite)

🔍 WHY SAFT SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 15.2% FCF Margin ($192.0M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B-$103.83+0% Next Q

Q2 (-2Q)

Grade B-$103.85+0.2% Next Q

Q3 (-1Q)

Grade B$104.05-0.1% Next Q

Current

Grade B$103.90+7.3% Hist 90D α

Trajectory: B- (66) → B (74)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SAFT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, SAFT faces multiple-compression risk if 15.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($103.71) or 200D SMA ($84.80) invalidates the momentum regime and cuts Target Base ($111.38) toward Bear Floor ($85.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SAFT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SAFT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 74%NO 26%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.33% Total Yield

3.53% Cash ($3.67/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

18.2% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (12.4% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $32,186

Est. Year-10 Shareholder Yield: $1,715/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.2K

Yr 1

$12.6K

Yr 2

$14.2K

Yr 3

$16.0K

Yr 4

$17.9K

Yr 5

$20.2K

Yr 6

$22.7K

Yr 7

$25.5K

Yr 8

$28.6K

Yr 9

$32.2K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SAFT & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on SAFT and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SAFT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +38.00%⚡ TESTING RESISTANCE

2026-11-02O $104.0H $104.0L $103.9C $103.9VOL 76.3K

RES: $104.4SUP: $76.82SMA50: $103.7SMA200: $84.80

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SAFT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SAFT Butterfly Map → + Track SAFT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.8%/yr Implied 5Y Growth

vs. +12.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SAFT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SAFT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SAFT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SAFT)

Financials Rank #52 of 1096 ⚔️ UFCS vs SAFT Full Matrix →

1. Head-to-Head Financials Peer Comparison (SAFT vs. UFCS, UVE, HMN, KMPR)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Safety Insurance Group Inc. (SAFT) ranks #52 by composite RQD confidence (74/100, grade B) and #482 by equity capitalization ($1.53B). Within this direct 5-issuer industry benchmark cohort, UVE leads on earnings valuation at 7.2x trailing P/E, while UVE leads on capital efficiency and profitability with 33.2% ROIC and — gross margin. SAFT currently leads its immediate peer cohort in composite quantitative strength at 74/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SAFT ACTIVE Safety Insurance Group Inc.	B	74/100	15.4x	—	11.1%	-0.05%	$1.53B	Benchmark Subject
UFCS United Fire Group Inc.	B-	71/100	12.4x	—	12.6%	-0.28%	$1.46B	/ufcs-vs-saft →
UVE UNIVERSAL INSURANCE HOLDINGS INC	B	73/100	7.2x	—	33.2%	+1.98%	$1.32B	/uve-vs-saft →
HMN Horace Mann Educators Corporation	D+	56/100	11.6x	—	10.9%	+0.22%	$1.89B	/hmn-vs-saft →
KMPR Kemper Corporation	C-	60/100	13.4x	—	5.3%	+2.00%	$1.92B	/kmpr-vs-saft →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001172052

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Safety Insurance Group Inc. (SAFT) reported GAAP revenue of $1.26B (+12.8% vs. FY2024 revenue of $1.12B , and +35.7% cumulative change since FY2023) , GAAP net income of $99.3M, operating cash flow of $194.5M, and free cash flow of $192.0M (+54.4% YoY). On the balance sheet, SAFT closed FY2025 with $2.47B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.26B	$99.3M	$194.5M	$192.0M	$2.47B	—
FY2024 (FY)	2024-12-31	$1.12B	$70.7M	$128.7M	$124.3M	$2.27B	—
FY2023 (FY)	2023-12-31	$931.0M	$18.9M	$52.1M	$52.1M	—	—

3. SAFT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SAFT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SAFT compare to UFCS and UVE in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SAFT?

Where is SAFT trading relative to its 50-day, 200-day, and 52-week technical levels?

SAFT last traded at $103.90 (-0.05% on volume of 121,055 shares), positioning the stock +0.18% above its 50-day simple moving average ($103.71) and +22.52% above its 200-day simple moving average ($84.80). Across its 52-week range of $67.38 to $104.35, SAFT sits at the 98.8% percentile with a 14-day RSI of 56.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±1.8% ($102.03 to $105.77).

SAFT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does SAFT pay a dividend and is it safe?

Safety Insurance Group Inc. (SAFT) offers a 3.53% cash dividend yield ($3.67 annualized) and 5.33% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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