SAFETY INSURANCE GROUP INC
SAFT · Fire, Marine & Casualty Insurance · 14.7M shares · -1%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $19M (gross $23M, SBC $4M)
Reference price $71.12 · est. market cap ~$1.0B — last insider sale, 2026-03-20 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C67Safety Insurance — Massachusetts-focused auto/home insurer recovering.
Strengths
- Net income +40% (56th pct); very low leverage (21st)
Risks
- ROE 11.1% (33rd) below peers; thin net margin (22nd)
- Massachusetts concentration; weather/cat exposure
Notable findings
- Insider sellingInsider selling — 9 open-market sale(s) by 1 insider(s) (~$4M, last 6mo) Form 4 ↗
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
7.9%
Return on equity
11.1%
Return on assets
4.0%
Revenue growth (QoQ)
-1.5%
Net-income growth
40.3%
Debt / equity
0.1×
Free cash flow
$192M
Tangible book value
$868M
Cash & investments
$74M
Stock comp / revenue
0.4%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-03-20 | SRB CORP | Sell | 14K | $71.12 |
| 2026-03-17 | SRB CORP | Sell | 1.2K | $73.06 |
| 2026-03-02 | Hiltpold Glenn | Tax withheld | 18 | $76.18 |
| 2026-03-02 | Murphy George | Tax withheld | 712 | $76.89 |
| 2026-03-02 | Murphy George | Tax withheld | 68 | $76.18 |
| 2026-03-02 | SRB CORP | Sell | 11K | $76.49 |
| 2026-03-02 | Narciso Paul J | Tax withheld | 243 | $76.89 |
| 2026-03-02 | Narciso Paul J | Tax withheld | 23 | $76.19 |
| 2026-03-02 | Varga Stephen Albert | Tax withheld | 428 | $76.89 |
| 2026-03-02 | Varga Stephen Albert | Tax withheld | 41 | $76.18 |
| 2026-03-02 | Drago John Patrick | Tax withheld | 283 | $76.86 |
| 2026-03-02 | Drago John Patrick | Tax withheld | 1 | $75.44 |
| 2026-03-02 | McConnell Mary Frances | Tax withheld | 183 | $76.88 |
| 2026-03-02 | Whitford Christopher Thomas | Tax withheld | 289 | $76.89 |
| 2026-03-02 | Whitford Christopher Thomas | Tax withheld | 27 | $76.19 |
| 2026-03-02 | Lam Brian Siu-Gae | Tax withheld | 17 | $76.18 |
| 2026-03-02 | McConnell Mary Frances | Tax withheld | 14 | $76.17 |
| 2026-03-02 | Lam Brian Siu-Gae | Tax withheld | 176 | $76.89 |
| 2026-03-02 | Hiltpold Glenn | Tax withheld | 185 | $76.89 |
| 2026-02-27 | Lam Brian Siu-Gae | Tax withheld | 70 | $76.78 |
| 2026-02-27 | Lam Brian Siu-Gae | Tax withheld | 142 | $77.49 |
| 2026-02-27 | Murphy George | Tax withheld | 839 | $77.43 |
| 2026-02-27 | SRB CORP | Sell | 235 | $77.82 |
| 2026-02-27 | Hiltpold Glenn | Tax withheld | 72 | $76.79 |
| 2026-02-27 | Hiltpold Glenn | Tax withheld | 146 | $77.49 |
| 2026-02-27 | McConnell Mary Frances | Tax withheld | 191 | $77.38 |
| 2026-02-27 | Whitford Christopher Thomas | Tax withheld | 117 | $76.78 |
| 2026-02-27 | Whitford Christopher Thomas | Tax withheld | 243 | $77.49 |
| 2026-02-27 | Drago John Patrick | Tax withheld | 286 | $77.42 |
| 2026-02-27 | Varga Stephen Albert | Tax withheld | 475 | $77.42 |
| 2026-02-27 | Narciso Paul J | Tax withheld | 89 | $76.79 |
| 2026-02-27 | Narciso Paul J | Tax withheld | 178 | $77.49 |
| 2026-02-26 | SRB CORP | Sell | 6.2K | $77.89 |
| 2026-02-26 | SRB CORP | Sell | 5.3K | $78.91 |
| 2026-02-25 | Farina John Daniel Jr. | Grant | 1.1K | — |
| 2026-02-25 | Drago John Patrick | Other | 2.0K | — |
| 2026-02-25 | Drago John Patrick | Grant | 2.3K | — |
| 2026-02-25 | Drago John Patrick | Grant | 2.6K | — |
| 2026-02-25 | SRB CORP | Sell | 2.1K | $78.29 |
| 2026-02-25 | Lam Brian Siu-Gae | Other | 249 | — |
| 2026-02-25 | Brophy Charles Joseph III | Grant | 1.1K | — |
| 2026-02-25 | MEEHAN THALIA | Grant | 1.1K | — |
| 2026-02-25 | Moran Mary Coffey | Grant | 1.1K | — |
| 2026-02-25 | Varga Stephen Albert | Other | 2.4K | — |
| 2026-02-25 | Varga Stephen Albert | Grant | 2.6K | — |
| 2026-02-25 | Varga Stephen Albert | Grant | 3.0K | — |
| 2026-02-25 | Lam Brian Siu-Gae | Grant | 1.7K | — |
| 2026-02-25 | Lam Brian Siu-Gae | Grant | 2.0K | — |
| 2026-02-25 | Murphy George | Other | 6.1K | — |
| 2026-02-25 | Langwell Dennis J. | Grant | 1.1K | — |
| 2026-02-25 | Gray Deborah E | Grant | 1.1K | — |
| 2026-02-25 | Narciso Paul J | Other | 2.4K | — |
| 2026-02-25 | Narciso Paul J | Grant | 2.2K | — |
| 2026-02-25 | Narciso Paul J | Grant | 2.5K | — |
| 2026-02-25 | McConnell Mary Frances | Other | 275 | — |
| 2026-02-25 | McConnell Mary Frances | Grant | 1.7K | — |
| 2026-02-25 | McConnell Mary Frances | Grant | 2.0K | — |
| 2026-02-25 | Hiltpold Glenn | Grant | 2.1K | — |
| 2026-02-25 | Hiltpold Glenn | Grant | 1.9K | — |
| 2026-02-25 | Whitford Christopher Thomas | Other | 2.3K | — |
| 2026-02-25 | Whitford Christopher Thomas | Grant | 2.6K | — |
| 2026-02-25 | Whitford Christopher Thomas | Grant | 3.0K | — |
| 2026-02-25 | Hiltpold Glenn | Other | 1.5K | — |
| 2026-02-25 | Murphy George | Grant | 6.3K | — |
| 2026-02-25 | Murphy George | Grant | 7.3K | — |
| 2026-02-24 | SRB CORP | Sell | 3.2K | $77.14 |
| 2026-02-24 | McConnell Mary Frances | Tax withheld | 37 | $76.94 |
| 2026-02-24 | McConnell Mary Frances | Tax withheld | 8 | $77.42 |
| 2026-02-24 | Lam Brian Siu-Gae | Tax withheld | 38 | $76.95 |
| 2026-02-24 | Lam Brian Siu-Gae | Tax withheld | 8 | $77.42 |
| 2026-02-24 | Hiltpold Glenn | Tax withheld | 183 | $76.94 |
| 2026-02-24 | Hiltpold Glenn | Tax withheld | 39 | $77.43 |
| 2026-02-24 | Whitford Christopher Thomas | Tax withheld | 320 | $76.95 |
| 2026-02-24 | Whitford Christopher Thomas | Tax withheld | 68 | $77.43 |
| 2026-02-24 | Drago John Patrick | Tax withheld | 249 | $76.94 |
| 2026-02-24 | Drago John Patrick | Tax withheld | 53 | $77.43 |
| 2026-02-24 | Varga Stephen Albert | Tax withheld | 477 | $76.94 |
| 2026-02-24 | Varga Stephen Albert | Tax withheld | 102 | $77.43 |
| 2026-02-24 | Narciso Paul J | Tax withheld | 333 | $77.00 |
| 2026-02-24 | Narciso Paul J | Tax withheld | 39 | $77.46 |
| 2026-02-24 | Murphy George | Tax withheld | 768 | $76.95 |
| 2026-02-24 | Murphy George | Tax withheld | 163 | $77.43 |
| 2026-02-23 | SRB CORP | Sell | 4.1K | $77.48 |
| 2025-12-18 | Murphy George | Gift | 1.0K | $79.92 |
| 2025-09-18 | Hiltpold Glenn | Buy | 55 | $71.73 |
| 2025-09-05 | Langwell Dennis J. | Buy | 2.0K | $72.39 |
| 2025-08-11 | Langwell Dennis J. | Buy | 2.0K | $71.49 |
| 2025-02-28 | Varga Stephen Albert | Tax withheld | 219 | $76.40 |
| 2025-02-28 | Murphy George | Tax withheld | 296 | $75.40 |
| 2025-02-28 | Murphy George | Tax withheld | 485 | $76.12 |
| 2025-02-28 | Whitford Christopher Thomas | Tax withheld | 166 | $75.40 |
| 2025-02-28 | Lam Brian Siu-Gae | Tax withheld | 99 | $75.50 |
| 2025-02-28 | Lam Brian Siu-Gae | Tax withheld | 93 | $76.36 |
| 2025-02-28 | Hiltpold Glenn | Tax withheld | 100 | $76.39 |
| 2025-02-28 | Varga Stephen Albert | Tax withheld | 250 | $75.40 |
| 2025-02-28 | Whitford Christopher Thomas | Tax withheld | 150 | $76.39 |
| 2025-02-28 | McConnell Mary Frances | Tax withheld | 108 | $75.48 |
| 2025-02-28 | Drago John Patrick | Tax withheld | 149 | $75.44 |
| 2025-02-28 | Drago John Patrick | Tax withheld | 135 | $76.38 |
| 2025-02-28 | Narciso Paul J | Tax withheld | 139 | $75.40 |
| 2025-02-28 | Narciso Paul J | Tax withheld | 127 | $76.39 |
| 2025-02-28 | McConnell Mary Frances | Tax withheld | 89 | $76.37 |
| 2025-02-28 | Hiltpold Glenn | Tax withheld | 113 | $75.50 |
| 2025-02-27 | Varga Stephen Albert | Tax withheld | 100 | $75.21 |
| 2025-02-27 | Drago John Patrick | Tax withheld | 329 | $75.79 |
| 2025-02-27 | Murphy George | Tax withheld | 812 | $75.87 |
| 2025-02-27 | Whitford Christopher Thomas | Tax withheld | 451 | $75.82 |
| 2025-02-27 | Lam Brian Siu-Gae | Tax withheld | 49 | $75.92 |
| 2025-02-27 | Narciso Paul J | Tax withheld | 380 | $75.81 |
| 2025-02-27 | Murphy George | Tax withheld | 100 | $75.19 |
| 2025-02-27 | Varga Stephen Albert | Tax withheld | 491 | $75.94 |
| 2025-02-27 | Hiltpold Glenn | Tax withheld | 253 | $75.84 |
| 2025-02-27 | McConnell Mary Frances | Tax withheld | 46 | $75.48 |
| 2025-02-25 | Varga Stephen Albert | Grant | 2.3K | — |
| 2025-02-25 | Varga Stephen Albert | Grant | 2.6K | — |
| 2025-02-25 | Varga Stephen Albert | Tax withheld | 2 | $77.48 |
| 2025-02-25 | Varga Stephen Albert | Tax withheld | 114 | $78.51 |
| 2025-02-25 | Varga Stephen Albert | Tax withheld | 875 | $79.41 |
| 2025-02-25 | Whitford Christopher Thomas | Other | 1.5K | — |
| 2025-02-25 | Whitford Christopher Thomas | Grant | 2.4K | — |
| 2025-02-25 | Whitford Christopher Thomas | Grant | 2.8K | — |
| 2025-02-25 | Whitford Christopher Thomas | Tax withheld | 2 | $77.48 |
| 2025-02-25 | Whitford Christopher Thomas | Tax withheld | 79 | $78.51 |
| 2025-02-25 | Whitford Christopher Thomas | Tax withheld | 634 | $79.46 |
| 2025-02-25 | Drago John Patrick | Other | 1.2K | — |
| 2025-02-25 | Drago John Patrick | Grant | 2.1K | — |
| 2025-02-25 | Drago John Patrick | Grant | 2.5K | — |
| 2025-02-25 | Drago John Patrick | Tax withheld | 64 | $78.53 |
| 2025-02-25 | Drago John Patrick | Tax withheld | 473 | $79.45 |
| 2025-02-25 | Langwell Dennis J. | Grant | 1.0K | — |
| 2025-02-25 | Gray Deborah E | Grant | 1.0K | — |
| 2025-02-25 | Moran Mary Coffey | Grant | 1.0K | — |
| 2025-02-25 | MEEHAN THALIA | Grant | 1.0K | — |
| 2025-02-25 | Farina John Daniel Jr. | Grant | 1.0K | — |
| 2025-02-25 | Brophy Charles Joseph III | Grant | 1.0K | — |
| 2025-02-25 | Hiltpold Glenn | Other | 953 | — |
| 2025-02-25 | Hiltpold Glenn | Grant | 1.7K | — |
| 2025-02-25 | Hiltpold Glenn | Grant | 2.0K | — |
| 2025-02-25 | Hiltpold Glenn | Tax withheld | 46 | $78.53 |
| 2025-02-25 | Hiltpold Glenn | Tax withheld | 367 | $79.49 |
| 2025-02-25 | Lam Brian Siu-Gae | Other | 166 | — |
| 2025-02-25 | Lam Brian Siu-Gae | Grant | 1.4K | — |
| 2025-02-25 | Lam Brian Siu-Gae | Grant | 1.7K | — |
| 2025-02-25 | Lam Brian Siu-Gae | Tax withheld | 1 | $77.48 |
| 2025-02-25 | Lam Brian Siu-Gae | Tax withheld | 8 | $78.51 |
| 2025-02-25 | Lam Brian Siu-Gae | Tax withheld | 72 | $79.52 |
| 2025-02-25 | McConnell Mary Frances | Other | 175 | — |
| 2025-02-25 | McConnell Mary Frances | Grant | 1.4K | — |
| 2025-02-25 | McConnell Mary Frances | Grant | 1.7K | — |
| 2025-02-25 | McConnell Mary Frances | Tax withheld | 2 | $77.48 |
| 2025-02-25 | McConnell Mary Frances | Tax withheld | 7 | $78.49 |
| 2025-02-25 | McConnell Mary Frances | Tax withheld | 76 | $79.53 |
| 2025-02-25 | Murphy George | Other | 3.4K | — |
| 2025-02-25 | Murphy George | Grant | 6.2K | — |
| 2025-02-25 | Murphy George | Grant | 7.3K | — |
| 2025-02-25 | Murphy George | Tax withheld | 7 | $77.48 |
| 2025-02-25 | Murphy George | Tax withheld | 364 | $78.69 |
| 2025-02-25 | Murphy George | Tax withheld | 1.2K | $79.41 |
| 2025-02-25 | Narciso Paul J | Other | 1.4K | — |
| 2025-02-25 | Narciso Paul J | Grant | 2.0K | — |
| 2025-02-25 | Narciso Paul J | Grant | 2.3K | — |
| 2025-02-25 | Narciso Paul J | Tax withheld | 1 | $77.48 |
| 2025-02-25 | Narciso Paul J | Tax withheld | 71 | $78.52 |
| 2025-02-25 | Narciso Paul J | Tax withheld | 564 | $79.48 |
| 2025-02-25 | Varga Stephen Albert | Other | 1.4K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-15 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-05-14 | Shareholder vote | filing ↗ |
| 2026-05-06 | ResultsExhibits | filing ↗ |
| 2026-02-25 | ResultsExhibits | filing ↗ |
| 2025-11-03 | ResultsExhibits | filing ↗ |
| 2025-08-06 | ResultsExhibits | filing ↗ |
| 2025-05-15 | Shareholder vote | filing ↗ |
| 2025-05-07 | ResultsExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-15 | 2026-06-09 | 0001172052-26-000019 ↗ |
| 8-K | 2026-05-14 | 2026-05-13 | 0001172052-26-000017 ↗ |
| 10-Q | 2026-05-08 | 2026-03-31 | 0001172052-26-000015 ↗ |
| 8-K | 2026-05-06 | 2026-05-06 | 0001172052-26-000013 ↗ |
| 10-K | 2026-02-27 | 2025-12-31 | 0001172052-26-000005 ↗ |
| 8-K | 2026-02-25 | 2026-02-25 | 0001172052-26-000002 ↗ |
| 10-Q | 2025-11-07 | 2025-09-30 | 0001172052-25-000036 ↗ |
| 8-K | 2025-11-03 | 2025-11-03 | 0001172052-25-000033 ↗ |
| 10-Q | 2025-08-08 | 2025-06-30 | 0001172052-25-000030 ↗ |
| 8-K | 2025-08-06 | 2025-08-06 | 0001172052-25-000027 ↗ |
| 8-K | 2025-05-15 | 2025-05-14 | 0001172052-25-000023 ↗ |
| 10-Q | 2025-05-09 | 2025-03-31 | 0001172052-25-000019 ↗ |