Safety Insurance Group (SAFT) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed Safety Insurance Group (SAFT) over the past year, gaining 51.0% versus a gain of 48.5%. Over five years, UVE leads with a +234.4% price change compared with +30.2% for SAFT. Safety Insurance Group is the larger company by market cap ($1.53 billion vs $1.26 billion), about 1.2 times the size.
On valuation, UNIVERSAL INSURANCE HOLDINGS INC trades at a lower forward P/E (10.1x vs 16.6x for Safety Insurance Group). Safety Insurance Group offers the higher dividend yield (3.54% vs 1.41%).
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 | SAFT | UVE |
|---|---|---|
| Share price | $103.88 | $45.25 |
| Market cap | $1.53B | $1.26B |
| 1-day change | -0.06% | +4.00% |
| YTD return | +33.33% | +33.88% |
| 1-year return | +48.46% | +50.98% |
| 5-year return | +30.19% | +234.44% |
| P/E ratio (TTM) | 22.29 | 5.73 |
| Forward P/E | 16.62 | 10.06 |
| EPS (TTM) | $4.66 | $7.90 |
| Dividend yield | 3.54% | 1.41% |
| Annual dividend | $3.68 | $0.64 |
| 52-week high | $104.01 | $45.34 |
| 52-week low | $67.04 | $27.89 |
| Distance from 52-week high | -0.12% | -0.20% |
| Analyst consensus | — | hold |
| Avg. price target upside | — | -0.55% |
| Average volume | 209.12K | 189.16K |
| Shares outstanding | 14.68M | 27.83M |
| Employees | 568 | 929 |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Insurance - Property & Casualty |
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
- Safety Insurance Group trades at a higher earnings multiple (22.3x vs 5.7x trailing P/E).
- Safety Insurance Group offers a meaningfully higher dividend yield (3.54% vs 1.41%).
About Safety Insurance Group
SAFT stock →Safety Insurance Group, Inc. provides private passenger and commercial automobile, and homeowner insurance in Massachusetts, the United States.
Financial Services · Insurance - Property & Casualty · 568 employees
About UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Financial Services · Insurance - Property & Casualty · 929 employees
SAFT vs UVE FAQ
Which is bigger, Safety Insurance Group or UNIVERSAL INSURANCE HOLDINGS INC?
Safety Insurance Group (SAFT) is larger, with a market capitalization of $1.53B compared with $1.26B for UNIVERSAL INSURANCE HOLDINGS INC (UVE).
Which stock has performed better over the past year, SAFT or UVE?
UVE returned +50.98% over the past 12 months, compared with +48.46% for SAFT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, SAFT or UVE?
UVE has the lower trailing P/E at 5.7, 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, Safety Insurance Group or UNIVERSAL INSURANCE HOLDINGS INC?
Safety Insurance Group has the higher yield at 3.54%, compared with 1.41% for UNIVERSAL INSURANCE HOLDINGS INC.
Are Safety Insurance Group and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
Yes. Both are classified in the Insurance - Property & Casualty industry within the Financial Services sector.