38.42 USD
-0.06 (-0.16%)
At close: Feb 11, 2026
38.42 USD
0 (0%)
After Hours: 2/11/2026, 8:06:20 PM
Taking everything into account, AMSF scores 4 out of 10 in our fundamental rating. AMSF was compared to 149 industry peers in the Insurance industry. AMSF has only an average score on both its financial health and profitability. AMSF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year AMSF was profitable.
- AMSF had a positive operating cash flow in the past year.
- In the past 5 years AMSF has always been profitable.
- AMSF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AMSF's Return On Assets of 4.28% is fine compared to the rest of the industry. AMSF outperforms 78.52% of its industry peers.
- AMSF has a Return On Equity of 18.17%. This is amongst the best in the industry. AMSF outperforms 81.21% of its industry peers.
- AMSF's Return On Invested Capital of 4.22% is fine compared to the rest of the industry. AMSF outperforms 69.80% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for AMSF is significantly below the industry average of 14.88%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.28% | ||
| ROE | 18.17% | ||
| ROIC | 4.22% |
ROA(3y)4.74%
ROA(5y)4.96%
ROE(3y)20.1%
ROE(5y)19.3%
ROIC(3y)4.78%
ROIC(5y)4.81%
1.3 Margins
- With an excellent Profit Margin value of 16.31%, AMSF belongs to the best of the industry, outperforming 82.55% of the companies in the same industry.
- AMSF's Profit Margin has declined in the last couple of years.
- AMSF's Operating Margin of 19.35% is fine compared to the rest of the industry. AMSF outperforms 69.13% of its industry peers.
- AMSF's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.35% | ||
| PM (TTM) | 16.31% | ||
| GM | N/A |
OM growth 3Y-3.47%
OM growth 5Y-8.09%
PM growth 3Y-5.13%
PM growth 5Y-6.1%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), AMSF is destroying value.
- Compared to 1 year ago, AMSF has less shares outstanding
- The number of shares outstanding for AMSF has been reduced compared to 5 years ago.
- The debt/assets ratio for AMSF has been reduced compared to a year ago.
2.2 Solvency
- AMSF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.48
WACC8.8%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for AMSF have decreased by -9.27% in the last year.
- AMSF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.34% yearly.
- Looking at the last year, AMSF shows a small growth in Revenue. The Revenue has grown by 1.49% in the last year.
- Measured over the past years, AMSF shows a decrease in Revenue. The Revenue has been decreasing by -3.91% on average per year.
EPS 1Y (TTM)-9.27%
EPS 3Y-3.68%
EPS 5Y-11.34%
EPS Q2Q%-5.17%
Revenue 1Y (TTM)1.49%
Revenue growth 3Y-0.45%
Revenue growth 5Y-3.91%
Sales Q2Q%4.17%
3.2 Future
- The Earnings Per Share is expected to decrease by -6.80% on average over the next years.
- AMSF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.16% yearly.
EPS Next Y-7.9%
EPS Next 2Y-4.04%
EPS Next 3Y-6.8%
EPS Next 5YN/A
Revenue Next Year1.15%
Revenue Next 2Y2.8%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 16.35, the valuation of AMSF can be described as correct.
- AMSF's Price/Earnings ratio is a bit more expensive when compared to the industry. AMSF is more expensive than 61.74% of the companies in the same industry.
- AMSF's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.18.
- Based on the Price/Forward Earnings ratio of 16.56, the valuation of AMSF can be described as correct.
- 65.77% of the companies in the same industry are cheaper than AMSF, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. AMSF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | 16.56 |
4.2 Price Multiples
- AMSF's Enterprise Value to EBITDA ratio is in line with the industry average.
- Based on the Price/Free Cash Flow ratio, AMSF is valued a bit more expensive than the industry average as 72.48% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 78.29 | ||
| EV/EBITDA | 11.19 |
4.3 Compensation for Growth
- AMSF's earnings are expected to decrease with -6.80% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.04%
EPS Next 3Y-6.8%
5. Dividend
5.1 Amount
- AMSF has a Yearly Dividend Yield of 3.93%. Purely for dividend investing, there may be better candidates out there.
- AMSF's Dividend Yield is rather good when compared to the industry average which is at 2.18. AMSF pays more dividend than 83.22% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.80, AMSF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
5.2 History
- The dividend of AMSF decreases each year by -0.15%.
- AMSF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-0.15%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- AMSF pays out 173.45% of its income as dividend. This is not a sustainable payout ratio.
- AMSF's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DP173.45%
EPS Next 2Y-4.04%
EPS Next 3Y-6.8%
38.42
-0.06 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-25 2026-02-25/amc
Inst Owners99.56%
Inst Owner Change-0.02%
Ins Owners1.33%
Ins Owner Change0.06%
Market Cap726.91M
Revenue(TTM)305.98M
Net Income(TTM)49.92M
Analysts77.78
Price Target51 (32.74%)
Short Float %1.13%
Short Ratio1.34
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
Yearly Dividend4.47
Dividend Growth(5Y)-0.15%
DP173.45%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.93%
Min EPS beat(2)-4.22%
Max EPS beat(2)-3.64%
EPS beat(4)1
Avg EPS beat(4)-1.63%
Min EPS beat(4)-4.22%
Max EPS beat(4)4.89%
EPS beat(8)2
Avg EPS beat(8)-2.43%
EPS beat(12)4
Avg EPS beat(12)-1.11%
EPS beat(16)5
Avg EPS beat(16)-6.08%
Revenue beat(2)2
Avg Revenue beat(2)2.74%
Min Revenue beat(2)2.64%
Max Revenue beat(2)2.84%
Revenue beat(4)2
Avg Revenue beat(4)-2%
Min Revenue beat(4)-7.3%
Max Revenue beat(4)2.84%
Revenue beat(8)5
Avg Revenue beat(8)-0.32%
Revenue beat(12)6
Avg Revenue beat(12)-0.71%
Revenue beat(16)9
Avg Revenue beat(16)-0.08%
PT rev (1m)1.35%
PT rev (3m)-3.85%
EPS NQ rev (1m)2%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.52%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.35 | ||
| Fwd PE | 16.56 | ||
| P/S | 2.38 | ||
| P/FCF | 78.29 | ||
| P/OCF | 64.48 | ||
| P/B | 2.65 | ||
| P/tB | 2.65 | ||
| EV/EBITDA | 11.19 |
EPS(TTM)2.35
EY6.12%
EPS(NY)2.32
Fwd EY6.04%
FCF(TTM)0.49
FCFY1.28%
OCF(TTM)0.6
OCFY1.55%
SpS16.17
BVpS14.52
TBVpS14.52
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.71
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.28% | ||
| ROE | 18.17% | ||
| ROCE | 5.26% | ||
| ROIC | 4.22% | ||
| ROICexc | 4.44% | ||
| ROICexgc | 5.05% | ||
| OM | 19.35% | ||
| PM (TTM) | 16.31% | ||
| GM | N/A | ||
| FCFM | 3.03% |
ROA(3y)4.74%
ROA(5y)4.96%
ROE(3y)20.1%
ROE(5y)19.3%
ROIC(3y)4.78%
ROIC(5y)4.81%
ROICexc(3y)4.99%
ROICexc(5y)5.03%
ROICexgc(3y)5.72%
ROICexgc(5y)5.69%
ROCE(3y)5.96%
ROCE(5y)5.99%
ROICexgc growth 3Y2.96%
ROICexgc growth 5Y-5.98%
ROICexc growth 3Y2.27%
ROICexc growth 5Y-6.79%
OM growth 3Y-3.47%
OM growth 5Y-8.09%
PM growth 3Y-5.13%
PM growth 5Y-6.1%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 234% | ||
| Cap/Sales | 0.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 18.77% | ||
| Profit Quality | 18.6% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.8%
ROIC/WACC0.48
Cap/Depr(3y)92.38%
Cap/Depr(5y)99.43%
Cap/Sales(3y)0.38%
Cap/Sales(5y)0.37%
Profit Quality(3y)45.41%
Profit Quality(5y)52.83%
High Growth Momentum
Growth
EPS 1Y (TTM)-9.27%
EPS 3Y-3.68%
EPS 5Y-11.34%
EPS Q2Q%-5.17%
EPS Next Y-7.9%
EPS Next 2Y-4.04%
EPS Next 3Y-6.8%
EPS Next 5YN/A
Revenue 1Y (TTM)1.49%
Revenue growth 3Y-0.45%
Revenue growth 5Y-3.91%
Sales Q2Q%4.17%
Revenue Next Year1.15%
Revenue Next 2Y2.8%
Revenue Next 3Y3.16%
Revenue Next 5YN/A
EBIT growth 1Y-5.28%
EBIT growth 3Y-3.9%
EBIT growth 5Y-11.68%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-46.33%
FCF growth 3Y-13.99%
FCF growth 5Y-21.39%
OCF growth 1Y-37.37%
OCF growth 3Y-13.98%
OCF growth 5Y-21.04%
AMERISAFE INC / AMSF FAQ
What is the fundamental rating for AMSF stock?
ChartMill assigns a fundamental rating of 4 / 10 to AMSF.
What is the valuation status for AMSF stock?
ChartMill assigns a valuation rating of 2 / 10 to AMERISAFE INC (AMSF). This can be considered as Overvalued.
How profitable is AMERISAFE INC (AMSF) stock?
AMERISAFE INC (AMSF) has a profitability rating of 5 / 10.
Can you provide the financial health for AMSF stock?
The financial health rating of AMERISAFE INC (AMSF) is 5 / 10.
Can you provide the dividend sustainability for AMSF stock?
The dividend rating of AMERISAFE INC (AMSF) is 4 / 10 and the dividend payout ratio is 173.45%.