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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 Framework: Insurance & Reinsurance Small Cap
AMERISAFE, Inc. (AMSF), is a Small Cap company, in the Insurance - Specialty industry, last closed at $20.70, about 33.1% overvalued vs fair value, -48.3% 1Y return, placing in the top 10% of its sector.
Metrics P/E 15.5× Rev Growth 2.7% ROE 18.5% Gross Margin 46.4% Div Yield 6.69%
USD 20.70
-1.00%
(Delayed)
• Vol 90d: 38.4%
Market Cap
$383.50M
Enterprise Value
$339.88M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Good
Completeness: 88%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Dec 4

Fair Value Snapshot

Bear Base Bull
$8
$14
$26
Current: $20.70 -33% 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
$33.3M
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

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$60.7M
128.8% of Net Income

Where It Leaks

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

Competitive Advantage Assessment

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

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Stable Underwriting Performance Through Cycles Underwriting stability score is 0.94, demonstrating consistent risk selection and reserving discipline through market cycles.
  • Strong Return on Equity ROE signal is strong (score 1.00), with ROE at 18.5% — indicating efficient capital deployment.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Moderate
74
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

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 (15.9%), Profitability (48.3%), and Safety (35.9%). Growth 16% Safety 36% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

22th percentile vs peers
23
Key Signals
Rev Growth YoY 2.6% 28p Revenue CAGR 3Y 2.5% 24p EPS Growth YoY -14.6% 25p Equity Growth YoY -2.2% 11p Asset Growth YoY -2.4% 13p
Strengths
  • D/E Ratio in top 20% of peers (0.2%, 97th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Equity Growth YoY in bottom 20% of peers (-2.2%)
  • Growth below peer median (percentile: 22)

Profitability

69th percentile vs peers
69
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
52
Key Signals
Strengths
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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
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Bear
-
- - -
- upside
-
Base
$13.84
- - -
-33.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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