Is SAFETY INSURANCE GROUP INC (SAFT) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Property & Casualty | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 10.8% | |
| Operating Margin | 8.1% | |
| Net Margin | 7.9% | |
| Return on Equity (ROE) | 11.5% | |
| Return on Assets (ROA) | 3.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $194M |
| Free Cash Flow | $192M |
| Total Debt | $62M |
| Debt-to-Equity | 6.9 |
| Current Ratio | 0.4 |
| Total Assets | $2.5B |
Price & Trading
| Last Close | $73.30 |
| 50-Day MA | $76.16 |
| 200-Day MA | $74.49 |
| Avg Volume | 76K |
| Beta | 0.2 |
|
52-Week Range
$67.04
| |
About SAFETY INSURANCE GROUP INC (SAFT)
Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States. The company offers private passenger automobile policies that provide coverage for bodily injury and property damage to others, no-fault personal injury coverage for the insured/insured's car occupants, and physical damage coverage for an insured's own vehicle for collision or other perils. It also provides commercial automobile policies that offer insurance for commercial vehicles used for business purposes, including private passenger-type vehicles, trucks, tractors and trailers, and insure individual vehicles, as well as commercial fleets; and homeowners policies, which provide coverage for homes, condominiums, and apartments for losses to a dwelling and its contents from various perils, and coverage for liability to others arising from ownership or occupancy. In addition, the company offers business owners policies that cover apartments and residential condominiums, restaurants, office condominiums, processing and services businesses, special trade contractors, and wholesalers. Further, it provides personal umbrella policies, which provide personal excess liability coverage over and above the limits of individual automobile, watercraft, and homeowner's insurance policies; dwelling fire insurance for non-owner occupied residences; and commercial umbrella, which offers an excess liability product to clients. Additionally, the company offers inland marine coverage for homeowners and business owner policies; and watercraft coverage for small and medium sized pleasure crafts. It distributes its products through independent agents. The company was formerly known as Safety Holdings Inc and changed its name to Safety Insurance Group, Inc. in April 2002. Safety Insurance Group, Inc. was founded in 1979 and is headquartered in Boston, Massachusetts.
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Frequently Asked Questions
Is SAFETY INSURANCE GROUP INC (SAFT) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), SAFETY INSURANCE GROUP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is SAFETY INSURANCE GROUP INC's debt ratio?
SAFETY INSURANCE GROUP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are SAFETY INSURANCE GROUP INC's key financial metrics?
SAFETY INSURANCE GROUP INC has a market capitalization of $1.1B, trailing P/E ratio of 10.9, and revenue of $1.3B. The company maintains a gross margin of 10.8% and a net margin of 7.9%. Return on equity stands at 11.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.