38.12 USD
-0.31 (-0.81%)
38.12 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to AMSF. 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
- AMSF had positive earnings in the past year.
- AMSF had a positive operating cash flow in the past year.
- Each year in the past 5 years AMSF has been profitable.
- AMSF had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- AMSF has a Return On Assets of 4.28%. This is in the better half of the industry: AMSF outperforms 78.52% of its industry peers.
- AMSF's Return On Equity of 18.17% is amongst the best of the industry. AMSF outperforms 80.54% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 4.22%, AMSF is in the better half of the industry, outperforming 69.13% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for AMSF is significantly below the industry average of 14.92%.
| 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 83.22% of the companies in the same industry.
- In the last couple of years the Profit Margin of AMSF has declined.
- AMSF's Operating Margin of 19.35% is fine compared to the rest of the industry. AMSF outperforms 68.46% of its industry peers.
- In the last couple of years the Operating Margin of AMSF has declined.
| 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
- 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
WACC8.88%
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.
- The earnings per share for AMSF have been decreasing by -11.34% on average. This is quite bad
- The Revenue has been growing slightly by 1.49% in the past year.
- The Revenue has been decreasing by -3.91% on average over the past years.
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
- Based on estimates for the next years, AMSF will show a decrease in Earnings Per Share. The EPS will decrease by -6.80% on average per year.
- Based on estimates for the next years, AMSF will show a small growth in Revenue. The Revenue will grow by 3.16% on average per year.
EPS Next Y-8.38%
EPS Next 2Y-5.28%
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
- With a Price/Earnings ratio of 16.22, AMSF is valued correctly.
- 61.07% of the companies in the same industry are cheaper than AMSF, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of AMSF to the average of the S&P500 Index (27.38), we can say AMSF is valued slightly cheaper.
- The Price/Forward Earnings ratio is 16.86, which indicates a correct valuation of AMSF.
- 62.42% 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 24.29. AMSF is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.22 | ||
| Fwd PE | 16.86 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as AMSF.
- AMSF's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. AMSF is more expensive than 73.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 77.68 | ||
| EV/EBITDA | 11.1 |
4.3 Compensation for Growth
- A cheap valuation may be justified as AMSF's earnings are expected to decrease with -6.80% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-5.28%
EPS Next 3Y-6.8%
5. Dividend
5.1 Amount
- AMSF has a Yearly Dividend Yield of 4.06%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.53, AMSF pays a bit more dividend than its industry peers.
- AMSF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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
- 173.45% of the earnings are spent on dividend by AMSF. 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-5.28%
EPS Next 3Y-6.8%
38.12
-0.31 (-0.81%)
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 Change0.65%
Ins Owners1.33%
Ins Owner Change0.11%
Market Cap721.23M
Revenue(TTM)305.98M
Net Income(TTM)49.92M
Analysts77.78
Price Target50.32 (32%)
Short Float %0.93%
Short Ratio1.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.06% |
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)0%
PT rev (3m)-9.2%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.06%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.22 | ||
| Fwd PE | 16.86 | ||
| P/S | 2.36 | ||
| P/FCF | 77.68 | ||
| P/OCF | 63.97 | ||
| P/B | 2.62 | ||
| P/tB | 2.62 | ||
| EV/EBITDA | 11.1 |
EPS(TTM)2.35
EY6.16%
EPS(NY)2.26
Fwd EY5.93%
FCF(TTM)0.49
FCFY1.29%
OCF(TTM)0.6
OCFY1.56%
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
WACC8.88%
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-8.38%
EPS Next 2Y-5.28%
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 5 / 10 and the dividend payout ratio is 173.45%.