AMERISAFE INC(NASDAQ:AMSF) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to AMSF. AMSF was compared to 143 industry peers in the Insurance industry. AMSF has an average financial health and profitability rating. AMSF has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

In the past year AMSF was profitable.

In the past year AMSF had a positive cash flow from operations.

Each year in the past 5 years AMSF has been profitable.

Each year in the past 5 years AMSF had a positive operating cash flow.

1.2 Ratios

The Return On Assets of AMSF (4.79%) is better than 82.52% of its industry peers.

The Return On Equity of AMSF (21.54%) is better than 89.51% of its industry peers.

AMSF's Return On Invested Capital of 4.28% is fine compared to the rest of the industry. AMSF outperforms 73.43% of its industry peers.

AMSF had an Average Return On Invested Capital over the past 3 years of 4.78%. This is in line with the industry average of 4.47%.

		Industry Rank	Sector Rank
ROA	4.79%
ROE	21.54%
ROIC	4.28%

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

AMSF's Profit Margin of 18.50% is amongst the best of the industry. AMSF outperforms 85.31% of its industry peers.

In the last couple of years the Profit Margin of AMSF has declined.

AMSF has a better Operating Margin (19.88%) than 76.22% of its industry peers.

In the last couple of years the Operating Margin of AMSF has declined.

		Industry Rank	Sector Rank
OM	19.88%
PM (TTM)	18.5%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AMSF is destroying value.

Compared to 1 year ago, AMSF has less shares outstanding

Compared to 5 years ago, AMSF has less shares outstanding

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

WACC8.93%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

AMSF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.40%.

AMSF shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.34% yearly.

AMSF shows a decrease in Revenue. In the last year, the revenue decreased by -1.96%.

The Revenue has been decreasing by -3.91% on average over the past years.

EPS 1Y (TTM)-13.4%

EPS 3Y-3.68%

EPS 5Y-11.34%

EPS Q2Q%-9.46%

Revenue 1Y (TTM)-1.96%

Revenue growth 3Y-0.45%

Revenue growth 5Y-3.91%

Sales Q2Q%-1.29%

3.2 Future

AMSF is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.84% yearly.

AMSF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.52% yearly.

EPS Next Y-5.38%

EPS Next 2Y-4.84%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year0.29%

Revenue Next 2Y2.52%

Revenue Next 3YN/A

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 19.40, which indicates a rather expensive current valuation of AMSF.

Based on the Price/Earnings ratio, AMSF is valued a bit more expensive than 67.83% 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 28.79.

A Price/Forward Earnings ratio of 20.50 indicates a rather expensive valuation of AMSF.

Based on the Price/Forward Earnings ratio, AMSF is valued a bit more expensive than 67.83% of the companies in the same industry.

AMSF's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.38.

		Industry Rank	Sector Rank
PE	19.4
Fwd PE	20.5

4.2 Price Multiples

AMSF's Enterprise Value to EBITDA is on the same level as the industry average.

71.33% of the companies in the same industry are cheaper than AMSF, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	39.89
EV/EBITDA	14.63

4.3 Compensation for Growth

The decent profitability rating of AMSF may justify a higher PE ratio.

A cheap valuation may be justified as AMSF's earnings are expected to decrease with -4.84% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-4.84%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

AMSF has a Yearly Dividend Yield of 3.14%.

Compared to an average industry Dividend Yield of 3.22, AMSF pays a bit more dividend than its industry peers.

AMSF's Dividend Yield is a higher than the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	3.14%

5.2 History

The dividend of AMSF decreases each year by -0.15%.

AMSF has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-0.15%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

154.12% of the earnings are spent on dividend by AMSF. 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.

DP154.12%

EPS Next 2Y-4.84%

EPS Next 3YN/A

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AMERISAFE INC

NASDAQ:AMSF (4/25/2025, 8:00:00 PM)

After market: 48.89 0 (0%)

48.89

-0.74 (-1.49%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupInsurance

GICS IndustryInsurance

Earnings (Last)02-26 2025-02-26/amc

Earnings (Next)04-29 2025-04-29/amc

Inst Owners99.93%

Inst Owner Change-52.65%

Ins Owners1.17%

Ins Owner Change0%

Market Cap931.35M

Analysts76

Price Target58.82 (20.31%)

Short Float %0.89%

Short Ratio1.68

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.14%

Yearly Dividend4.47

Dividend Growth(5Y)-0.15%

DP154.12%

Div Incr Years0

Div Non Decr Years0

Ex-Date03-07 2025-03-07 (0.39)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)1.13%

Min EPS beat(2)-2.63%

Max EPS beat(2)4.89%

EPS beat(4)1

Avg EPS beat(4)-2.67%

Min EPS beat(4)-9.06%

Max EPS beat(4)4.89%

EPS beat(8)3

Avg EPS beat(8)-1.06%

EPS beat(12)5

Avg EPS beat(12)1.17%

EPS beat(16)8

Avg EPS beat(16)-1.01%

Revenue beat(2)1

Avg Revenue beat(2)-1.88%

Min Revenue beat(2)-6.19%

Max Revenue beat(2)2.43%

Revenue beat(4)3

Avg Revenue beat(4)0.36%

Min Revenue beat(4)-6.19%

Max Revenue beat(4)4.98%

Revenue beat(8)4

Avg Revenue beat(8)-0.57%

Revenue beat(12)7

Avg Revenue beat(12)0.29%

Revenue beat(16)7

Avg Revenue beat(16)-0.65%

PT rev (1m)2.37%

PT rev (3m)2.37%

EPS NQ rev (1m)0%

EPS NQ rev (3m)8.88%

EPS NY rev (1m)-0.54%

EPS NY rev (3m)1.12%

Revenue NQ rev (1m)0.16%

Revenue NQ rev (3m)-0.23%

Revenue NY rev (1m)0.03%

Revenue NY rev (3m)-0.58%

Valuation

		Industry Rank	Sector Rank
PE	19.4
Fwd PE	20.5
P/S	3.11
P/FCF	39.89
P/OCF	38.5
P/B	3.62
P/tB	3.62
EV/EBITDA	14.63

EPS(TTM)2.52

EY5.15%

EPS(NY)2.38

Fwd EY4.88%

FCF(TTM)1.23

FCFY2.51%

OCF(TTM)1.27

OCFY2.6%

SpS15.73

BVpS13.51

TBVpS13.51

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	4.79%
ROE	21.54%
ROCE	5.33%
ROIC	4.28%
ROICexc	4.45%
ROICexgc	5.09%
OM	19.88%
PM (TTM)	18.5%
GM	N/A
FCFM	7.79%

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%

ROICexcg growth 3Y2.96%

ROICexcg 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	76.85%
Cap/Sales	0.28%
Interest Coverage	250
Cash Conversion	39.89%
Profit Quality	42.12%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC8.93%

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)-13.4%

EPS 3Y-3.68%

EPS 5Y-11.34%

EPS Q2Q%-9.46%

EPS Next Y-5.38%

EPS Next 2Y-4.84%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-1.96%

Revenue growth 3Y-0.45%

Revenue growth 5Y-3.91%

Sales Q2Q%-1.29%

Revenue Next Year0.29%

Revenue Next 2Y2.52%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y-21.78%

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-20.28%

FCF growth 3Y-13.99%

FCF growth 5Y-21.39%

OCF growth 1Y-18.94%

OCF growth 3Y-13.98%

OCF growth 5Y-21.04%

AMERISAFE INC (AMSF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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