Skip to content
Company Analysis

AMERISAFE, Inc. AMSF

A comprehensive view of key metrics, scores, and financial health for AMERISAFE, Inc.

Overview of AMERISAFE, Inc.

AMSF NMS
Financial Services Insurance - Specialty Small Cap
AMERISAFE, Inc. (AMSF), is a Small Cap company, in the Insurance - Specialty industry, last closed at $31.74, about 53.0% overvalued vs fair value, -31.7% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 2.6% ROE 6.8% Gross Margin 46.4% Div Yield 6.69%
$31.74
3.25%
As of April 28, 2026
Previous close • Vol 90d: 33.9%
52-Week Range
Market Cap
$593.70M
Enterprise Value
$532.20M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.amerisafe.com
HQ Deridder, LA
Employees 362
Fiscal year Dec 31

Next Events

Earnings Apr 28 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$15
$28
Current: $31.74 -53% vs base

Engine Room Money Flow™

Small Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$317.3M
2.6%%
Claims & Losses
$-169.9M
-6.1%%
Acquisition & Admin Expenses
$-31.5M
Underwriting Result
$58.9M
-14.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
53.6%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$53.7M
114.0% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
Upgrade to view details
Premium
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating AMERISAFE, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Underwriting Discipline

Moderate
75
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing AMSF's balance between Growth (16.7%), Profitability (32.2%), and Safety (51.1%). Growth 17% Safety 51% Profitability 32%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

23th percentile vs peers
24
Key Signals
Rev Growth YoY 2.6% 30p Revenue CAGR 3Y 2.5% 30p Equity Growth YoY -12.0% 15p EPS Growth YoY -10.4% 14p Asset Growth YoY -80.8% 2p
Strengths
  • Equity/Assets in top 20% of peers (5.07, 97th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-12.0%)
  • EPS Growth YoY in bottom 20% of peers (-10.4%)

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

72th percentile vs peers
73
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for AMERISAFE, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$14.91
- - -
-53.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info