Safety Insurance Group, Inc. — Earnings Quality Grade A
SAFT · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 139 days, change -13 days YoY
AR growth 3.3% vs revenue growth 13.0%
Revenue 13.0%, CFFO 51.1%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -42.6% vs revenue 13.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.96. Profits backed by cash
FCF $0.2B, FCF/NI = 1.93
Accruals ratio = -3.9%. Low accruals
Cash $0.8B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 3% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Safety Insurance Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25