Safety Insurance [SAFT] vs Progressive [PGR] Detailed Stock Comparison

Safety Insurance Group Inc.

NASDAQ
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Progressive Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Safety Insurance Group Inc. wins in 8 metrics, Progressive Corporation wins in 12 metrics, with 0 ties. Progressive Corporation appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Safety Insurance Group Inc. Progressive Corporation Better
P/E Ratio (TTM) 11.36 10.45 Progressive Corporation
Price-to-Book Ratio 1.25 3.75 Safety Insurance Group Inc.
Debt-to-Equity Ratio 6.93 26.17 Safety Insurance Group Inc.
PEG Ratio 0.08 1.06 Safety Insurance Group Inc.
EV/EBITDA 8.16 8.33 Safety Insurance Group Inc.
Profit Margin (TTM) 7.85% 12.93% Progressive Corporation
Operating Margin (TTM) 8.13% 16.39% Progressive Corporation
EBITDA Margin (TTM) 8.13% 16.39% Progressive Corporation
Return on Equity 11.54% 37.90% Progressive Corporation
Return on Assets (TTM) 3.38% 7.94% Progressive Corporation
Free Cash Flow (TTM) $191.99M $17.20B Progressive Corporation
Dividend Yield 5.81% 8.67% Progressive Corporation
1-Year Return -8.81% -24.17% Safety Insurance Group Inc.
Price-to-Sales Ratio (TTM) 0.88 1.34 Safety Insurance Group Inc.
Enterprise Value $1.10B $126.25B Progressive Corporation
EV/Revenue Ratio 0.87 1.41 Safety Insurance Group Inc.
Revenue per Share (TTM) $86 $153 Progressive Corporation
Earnings per Share (Diluted) $6.70 $19.65 Progressive Corporation
Beta (Stock Volatility) 0.22 0.33 Safety Insurance Group Inc.
Short % of Float 1.85% 1.25% Progressive Corporation

Safety Insurance Group Inc. vs Progressive Corporation Stock Performance Analysis

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SAFT
PGR

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Safety Insurance Group Inc.-0.49%2.36%0.61%-2.82%-8.58%-5.61%
Progressive Corporation0.19%1.62%1.89%-0.59%-13.90%-4.06%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Safety Insurance Group Inc.-8.81%-2.07%-8.73%19.25%71.84%57.13%
Progressive Corporation-24.17%56.25%120.03%538.51%897.59%666.45%

Performance & Financial Health Analysis: Safety Insurance Group Inc. vs Progressive Corporation

MetricSAFTPGR
Market Information
Market Cap i$1.12B$120.11B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i83,3253,008,670
90 Day Avg. Volume i95,4023,010,043
Last Close$71.46$203.50
52 Week Range$67.04 - $81.49$189.20 - $269.78
% from 52W High-12.31%-24.57%
All-Time High$103.96 (Sep 23, 2019)$292.99 (Mar 17, 2025)
% from All-Time High-31.26%-30.54%
Growth Metrics
Quarterly Revenue Growth0.11%0.09%
Quarterly Earnings Growth1.47%0.10%
Financial Health
Profit Margin (TTM) i0.08%0.13%
Operating Margin (TTM) i0.08%0.16%
Return on Equity (TTM) i0.12%0.38%
Debt to Equity (MRQ) i6.9326.17
Cash & Liquidity
Book Value per Share (MRQ)$60.99$54.71
Cash per Share (MRQ)$5.05$3.64
Operating Cash Flow (TTM) i$194.50M$12.39B
Levered Free Cash Flow (TTM) i$204.97M$11.31B
Dividends
Last 12-Month Dividend Yield i5.81%8.67%
Last 12-Month Dividend i$4.56$18.40

Valuation & Enterprise Metrics Analysis: Safety Insurance Group Inc. vs Progressive Corporation

MetricSAFT (Apr 26, 2026)PGR (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.3610.45
Forward P/E i12.1812.73
PEG Ratio i0.081.06
Price to Sales (TTM) i0.881.34
Price to Book (MRQ) i1.253.75
Market Capitalization
Market Capitalization i$1.12B$120.11B
Enterprise Value i$1.10B$126.25B
Enterprise Value Metrics
Enterprise to Revenue i0.871.41
Enterprise to EBITDA i8.168.33
Risk & Other Metrics
Beta i0.220.33
Book Value per Share (MRQ) i$60.99$54.71

Financial Statements Comparison: Safety Insurance Group Inc. vs Progressive Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSAFT (2025)PGR (2025)
Revenue/Sales i1.25B87.64B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i126.68M14.22B
Pre-Tax Income % of Revenue i10.1%16.2%
Income Tax i27.43M2.92B
Income Tax % of Revenue i2.2%3.3%
Net Income (Profit) i99.26M11.31B
Profit Margin i7.9%12.9%

Balance Sheet & Liquidity Metrics

MetricSAFT (2025)PGR (2025)
Cash & Equivalents i73.90M125.00M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i11.86M6.90B
Long-Term Debt % of Revenue i0.9%7.9%
Total Shareholders Equity i892.31M30.32B
Retained Earnings i844.06M27.33B
Retained Earnings % of Revenue i67.3%31.2%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSAFT (2025)PGR (2025)
Operating Cash Flow i86.33M12.39B
Operating Cash Flow % of Revenue i6.9%14.1%
Capital Expenditures i-2.51M-268.00M
Free Cash Flow i191.99M17.20B
FCF Margin i15.3%19.6%
Debt Repayment i-30.00MN/A
Common Stock Repurchase i-20.00M-166.00M

Short Interest & Institutional Ownership Analysis

MetricSAFTPGR
Shares Short i161,8557.29M
Short Ratio i1.772.32
Short % of Float i1.85%1.25%
Shares Outstanding i14.63M584.40M
Float Shares i14.30M582.21M
% Held by Insiders i2.12%0.25%
% Held by Institutions i86.25%89.29%
% Held by Public i11.63%10.46%

Dividend Analysis & Yield Comparison: Safety Insurance Group Inc. vs Progressive Corporation

MetricSAFTPGR
Last 12-Month Dividend i$4.56$18.40
Last 12-Month Dividend Yield i5.81%8.67%
3-Year Avg Annual Dividend i$3.92$6.62
3-Year Avg Dividend Yield i1.17%0.71%
3-Year Total Dividends i$11.76$19.85
Ex-Dividend DateMar 02, 2026Jan 02, 2026