Atlanticus Holdings Corporation (ATLCP) vs Safety Insurance Group, Inc. (SAFT)
A side-by-side comparison of Atlanticus Holdings Corporation and Safety Insurance Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — ATLCP vs SAFT
growth of $100 · dividends reinvested · last 5yATLCP vs SAFT: by the numbers
- •ATLCP is the larger company ($1.63B vs $1.52B market cap).
- •ATLCP trades at the lower trailing earnings multiple (3.08 vs 22.38 P/E), one valuation lens rather than an overall verdict.
- •ATLCP converts more revenue to profit (9.30% vs 4.65% net margin).
- •ATLCP grew revenue faster over the past five years (33.60% vs 11.08% CAGR).
- •ATLCP pays the higher dividend yield (8.10% vs 3.54%).
Metrics side by side
Valuation
| Metric | ATLCP | SAFT |
|---|---|---|
| P/E ratio | 3.08 | 22.38 |
| Forward P/E | 2.45 | 25.02 |
| PEG ratio | 0.36 | N/A |
| P/S ratio | 0.98 | 1.03 |
| P/B ratio | 2.32 | 1.74 |
Profitability
| Metric | ATLCP | SAFT |
|---|---|---|
| Operating margin | 17.73% | 5.94% |
| Net margin | 9.30% | 4.65% |
| ROE | 20.76% | 7.83% |
Atlanticus Holdings Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Safety Insurance Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | ATLCP | SAFT |
|---|---|---|
| Dividend yield | 8.10% | 3.54% |
| Payout ratio | 24.89% | 79.31% |
Growth (annualized)
| Metric | ATLCP | SAFT |
|---|---|---|
| Revenue CAGR (5Y) | 33.60% | 11.08% |
| EPS CAGR (5Y) | 6.79% | -6.19% |
| Total return CAGR (5Y) | 7.55% | 10.23% |
Frequently asked
- Which has the lower trailing P/E, ATLCP or SAFT?
- ATLCP has the lower trailing P/E: ATLCP trades at 3.08 and SAFT at 22.38. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ATLCP or SAFT?
- Over the past five years, ATLCP grew revenue faster — ATLCP at a 33.60% CAGR versus SAFT at 11.08%.
- Does ATLCP or SAFT pay a bigger dividend?
- ATLCP yields 8.10% and SAFT yields 3.54% based on trailing dividends and the latest price.
- Is ATLCP or SAFT more profitable?
- ATLCP runs the higher net margin — ATLCP at 9.30% versus SAFT at 4.65%.
- How have ATLCP and SAFT total returns compared?
- Over the past 5 years, ATLCP delivered 7.55% and SAFT delivered 10.23% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Atlanticus & Safety Insurance appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.