Profitability
Weight: 25%
C
53
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 70.0%
- Loss Ratio Trend -1.08 pp/yr
SAFT
Safety Insurance Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C+
59
- 5yr Avg ROE 8.4%
- 5yr Share-Count CAGR -0.5%
Growth Quality
Weight: 10%
B+
80
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Revenue CAGR (fallback) 8.3%
- Loss Ratio Trend (growth quality check) -1.08 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A+
97
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 3.9%
- Loss Ratio Stability (σ) 0.05
Balance Sheet
Weight: 25%
A+
97
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.28x
- Interest Coverage (EBIT/Int) 83.80x
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.45
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 added.
- Holders
- 2
- Avg Δ position
- +50.5%
- New buys
- 0
- Full exits
- 0