Republic Bancorp, Inc. (RBCAA) vs Safety Insurance Group, Inc. (SAFT)
A side-by-side comparison of Republic Bancorp, Inc. 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 — RBCAA vs SAFT
growth of $100 · dividends reinvested · last 10yRBCAA vs SAFT: by the numbers
- •RBCAA is the larger company ($1.63B vs $1.52B market cap).
- •RBCAA trades at the lower trailing earnings multiple (14.43 vs 22.38 P/E), one valuation lens rather than an overall verdict.
- •RBCAA converts more revenue to profit (25.36% vs 4.65% net margin).
- •SAFT grew revenue faster over the past five years (11.08% vs 9.68% CAGR).
- •SAFT pays the higher dividend yield (3.54% vs 2.01%).
Metrics side by side
Valuation
| Metric | RBCAA | SAFT |
|---|---|---|
| P/E ratio | 14.43 | 22.38 |
| Forward P/E | 13.41 | 25.02 |
| PEG ratio | 1.35 | N/A |
| P/S ratio | 3.23 | 1.03 |
| P/B ratio | 1.41 | 1.74 |
Profitability
| Metric | RBCAA | SAFT |
|---|---|---|
| Operating margin | 33.65% | 5.94% |
| Net margin | 25.36% | 4.65% |
| ROE | 11.07% | 7.83% |
Republic Bancorp, 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.
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 | RBCAA | SAFT |
|---|---|---|
| Dividend yield | 2.01% | 3.54% |
| Payout ratio | 29.24% | 79.31% |
Growth (annualized)
| Metric | RBCAA | SAFT |
|---|---|---|
| Revenue CAGR (5Y) | 9.68% | 11.08% |
| EPS CAGR (5Y) | 10.76% | -6.19% |
| Total return CAGR (5Y) | 15.88% | 10.23% |
Frequently asked
- Which has the lower trailing P/E, RBCAA or SAFT?
- RBCAA has the lower trailing P/E: RBCAA trades at 14.43 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, RBCAA or SAFT?
- Over the past five years, SAFT grew revenue faster — RBCAA at a 9.68% CAGR versus SAFT at 11.08%.
- Does RBCAA or SAFT pay a bigger dividend?
- RBCAA yields 2.01% and SAFT yields 3.54% based on trailing dividends and the latest price.
- Is RBCAA or SAFT more profitable?
- RBCAA runs the higher net margin — RBCAA at 25.36% versus SAFT at 4.65%.
- How have RBCAA and SAFT total returns compared?
- Over the past 10 years, RBCAA delivered 14.55% and SAFT delivered 9.11% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Republic Bancorp & 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.