40.91 USD
0 (0%)
40.91 USD
0 (0%)
Taking everything into account, AMSF scores 4 out of 10 in our fundamental rating. AMSF was compared to 147 industry peers in the Insurance industry. AMSF has an average financial health and profitability rating. AMSF is valued expensive and it does not seem to be growing.
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.
In the past 5 years AMSF always reported a positive cash flow from operatings.
1.2 Ratios
AMSF has a Return On Assets of 4.28%. This is in the better half of the industry: AMSF outperforms 78.23% of its industry peers.
With a decent Return On Equity value of 18.17%, AMSF is doing good in the industry, outperforming 79.59% of the companies in the same industry.
With a decent Return On Invested Capital value of 4.22%, AMSF is doing good in the industry, outperforming 72.11% of the companies in the same industry.
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 4.52%.
| 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
Looking at the Profit Margin, with a value of 16.31%, AMSF belongs to the top of the industry, outperforming 81.63% 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 70.75% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so AMSF is destroying value.
AMSF has less shares outstanding than it did 1 year ago.
The number of shares outstanding for AMSF has been reduced compared to 5 years ago.
AMSF has a better debt/assets ratio than last year.
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/WACC0.49
WACC8.64%
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.
Measured over the past years, AMSF shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -11.34% on average per year.
Looking at the last year, AMSF shows a small growth in Revenue. The Revenue has grown by 1.49% in the last year.
AMSF shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.91% yearly.
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 -6.03% 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-8.24%
EPS Next 2Y-4.92%
EPS Next 3Y-6.03%
EPS Next 5YN/A
Revenue Next Year0.45%
Revenue Next 2Y2.62%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
AMSF is valuated rather expensively with a Price/Earnings ratio of 17.41.
Based on the Price/Earnings ratio, AMSF is valued a bit more expensive than 64.63% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.15. AMSF is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 17.96 indicates a rather expensive valuation of AMSF.
AMSF's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. AMSF is more expensive than 69.39% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. AMSF is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.41 | ||
| Fwd PE | 17.96 |
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 74.15% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 83.67 | ||
| EV/EBITDA | 12.02 |
4.3 Compensation for Growth
A cheap valuation may be justified as AMSF's earnings are expected to decrease with -6.03% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-4.92%
EPS Next 3Y-6.03%
5. Dividend
5.1 Amount
AMSF has a Yearly Dividend Yield of 3.84%.
AMSF's Dividend Yield is a higher than the industry average which is at 3.46.
AMSF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.84% |
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.
The Dividend Rate of AMSF has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP173.45%
EPS Next 2Y-4.92%
EPS Next 3Y-6.03%
40.91
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners102.24%
Inst Owner Change-0.98%
Ins Owners1.35%
Ins Owner Change2.36%
Market Cap776.88M
Revenue(TTM)305.98M
Net Income(TTM)49.92M
Analysts77.78
Price Target51.34 (25.49%)
Short Float %0.76%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.84% |
Yearly Dividend4.47
Dividend Growth(5Y)-0.15%
DP173.45%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-7.36%
PT rev (3m)-8.48%
EPS NQ rev (1m)1.94%
EPS NQ rev (3m)-0.08%
EPS NY rev (1m)-0.03%
EPS NY rev (3m)-1.48%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0.62%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.41 | ||
| Fwd PE | 17.96 | ||
| P/S | 2.54 | ||
| P/FCF | 83.67 | ||
| P/OCF | 68.91 | ||
| P/B | 2.83 | ||
| P/tB | 2.83 | ||
| EV/EBITDA | 12.02 |
EPS(TTM)2.35
EY5.74%
EPS(NY)2.28
Fwd EY5.57%
FCF(TTM)0.49
FCFY1.2%
OCF(TTM)0.59
OCFY1.45%
SpS16.11
BVpS14.47
TBVpS14.47
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.66
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
WACC8.64%
ROIC/WACC0.49
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-8.24%
EPS Next 2Y-4.92%
EPS Next 3Y-6.03%
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 Year0.45%
Revenue Next 2Y2.62%
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.
Can you provide the valuation status for AMERISAFE INC?
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.
How sustainable is the dividend of AMERISAFE INC (AMSF) stock?
The dividend rating of AMERISAFE INC (AMSF) is 4 / 10 and the dividend payout ratio is 173.45%.