HCI Group (HCI) vs Safety Insurance Group (SAFT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Safety Insurance Group (SAFT) has outperformed HCI Group (HCI) over the past year, gaining 48.5% versus a loss of 5.2%. Over five years, HCI leads with a +51.3% price change compared with +30.2% for SAFT. HCI Group is the larger company by market cap ($2.32 billion vs $1.53 billion), about 1.5 times the size.
On valuation, HCI Group trades at a lower forward P/E (9.6x vs 16.6x for Safety Insurance Group). Safety Insurance Group offers the higher dividend yield (3.54% vs 0.86%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HCI | SAFT |
|---|---|---|
| Share price | $186.73 | $103.88 |
| Market cap | $2.32B | $1.53B |
| 1-day change | +1.25% | -0.06% |
| YTD return | -2.59% | +33.33% |
| 1-year return | -5.22% | +48.46% |
| 5-year return | +51.27% | +30.19% |
| P/E ratio (TTM) | 8.05 | 22.29 |
| Forward P/E | 9.59 | 16.62 |
| EPS (TTM) | $23.20 | $4.66 |
| Dividend yield | 0.86% | 3.54% |
| Annual dividend | $1.60 | $3.68 |
| 52-week high | $210.50 | $104.01 |
| 52-week low | $144.75 | $67.04 |
| Distance from 52-week high | -11.29% | -0.12% |
| Analyst consensus | buy | — |
| Avg. price target upside | +29.42% | — |
| Average volume | 161.02K | 209.12K |
| Shares outstanding | 12.44M | 14.68M |
| Employees | 594 | 568 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- SAFT has outperformed HCI by 53.7 percentage points over the past year.
- Safety Insurance Group trades at a higher earnings multiple (22.3x vs 8.0x trailing P/E).
- Safety Insurance Group offers a meaningfully higher dividend yield (3.54% vs 0.86%).
About HCI Group
HCI stock →HCI Group, Inc., together with its subsidiaries, engages in the property and casualty insurance business in the United States. The company operates through Insurance Operations, Exzeo, Reciprocal Exchange Operations, and Real Estate segments.
Finance · Property-Casualty Insurers · 594 employees
About Safety Insurance Group
SAFT stock →Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States.
Finance · Property-Casualty Insurers · 568 employees
HCI vs SAFT FAQ
Which is bigger, HCI Group or Safety Insurance Group?
HCI Group (HCI) is larger, with a market capitalization of $2.32B compared with $1.53B for Safety Insurance Group (SAFT).
Which stock has performed better over the past year, HCI or SAFT?
SAFT returned +48.46% over the past 12 months, compared with -5.22% for HCI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HCI or SAFT?
HCI has the lower trailing P/E at 8.0, versus 22.3 for SAFT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, HCI Group or Safety Insurance Group?
Safety Insurance Group has the higher yield at 3.54%, compared with 0.86% for HCI Group.
Are HCI Group and Safety Insurance Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.