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AMERISAFE, Inc. AMSF R2KR3KFINANCIAL

Financial Services · Insurance - Specialty · United States
https://www.amerisafe.com
Company Profile ↓
$25.99
-39.52% 1Y
Mkt Cap$486.11M
P/E10.48
P/B2.16
Div. Yield5.51%
52W High$44.04
52W Low$25.70
Book Value$13.50
EPS (TTM)$2.48

Company Overview

AMERISAFE, Inc., an insurance holding company, underwrites workers' compensation insurance in the United States. The company provides benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. It sells its products through retail and wholesale brokers and agents; and small and mid-sized employers engaged in hazardous industries, including construction, trucking, logging and lumber, agriculture, manufacturing, telecommunications, and maritime. The company was incorporated in 1985 and is based in Deridder, Louisiana.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 18.2%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 10.5, below the sector median of 14.5.

Healthy Margins

Operating margin of 19.9% supports profitability.

Dividend Income

Offers a dividend yield of 5.51%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $317.30M (+2.6% YoY); net profit $47.15M.
  • Trailing 12 Months Year-on-year growth — revenue +13.4%, earnings +6.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 0.7%, profit CAGR -0.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:0.74%
1 Year:13.40%

Compounded Profit Growth

5 Years:-0.06%
1 Year:6.80%

Stock Price Performance

1 Year:-39.52%
6 Months:-22.43%
3 Months:-16.94%
1 Month:-12.58%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 2% of range
$25.70 $44.04
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)33.92 · Neutral
Price Performance
1M-12.58%
3M-16.94%
6M-22.43%
1Y-39.52%
Valuation vs Sector

P/E of 10.48 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 5.51%.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -0.1% CAGR over 5 years.
  • Trading 41.0% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.48
Industry PE
14.52
Forward P/E
12.89
PEG Ratio
1.81
Book Value
$13.50
Price to Book
2.16
P/S
1.62
EV/EBITDA
7.60
Dividend Yield
5.51%

Growth (CAGR)

Revenue 5Y
0.74%
Profit 5Y
-0.06%
Revenue (YoY)
13.40%
Earnings (YoY)
6.80%

Profitability & Returns

ROCE
-
ROE
18.23%
ROA
3.21%
Profit Margin
14.00%
Op Margin
19.86%
Gross Margin
27.68%
EPS (Latest Qtr)
$0.78
EPS (TTM)
$2.48

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
1.45
Current Ratio
2.04
Debt
$0
Total Assets
$1.13B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.06%
Chg in Prom Hold
0.01%
FII / Inst Holding
104.05%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
$486.11M
Total Revenue (TTM)
$335.66M
EBITDA
$59.29M
Free Cash Flow
$36.25M
Operating Cash Flow
$20.40M
Shares Outstanding
18.70M
Gross Margin
27.68%
Payout Ratio
64.52%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 AMSF AMERISAFE, Inc. R2KR3KFINANCIAL 25.99 10.48 $486.11M 5.51% - 18.23% 0.74% -0.06%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 97.47M101.76M102.33M97.56M98.21M98.56M97.54M89.92M92.80M94.94M94.17M95.38M93.53M94.67M95.19M91.75M91.49M91.94M79.17M89.08M83.00M88.22M83.35M81.16M73.05M75.56M68.04M71.38M78.44M75.66M72.64M80.49M75.83M78.69M72.61M81.10M81.98M81.60M80.10M91.97M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------------
Pretax Income ----------------------------------11.22M17.45M17.48M12.69M10.16M-
Tax Provision ----------------------------------2.27M3.50M3.66M2.27M2.02M-
Net Income 17.94M23.07M24.26M16.64M17.90M19.07M13.52M15.48M16.58M649.00K16.17M16.96M19.70M18.81M19.40M17.89M21.39M34.01M10.80M23.95M23.35M28.50M19.31M23.77M19.14M17.33M6.13M11.36M17.34M15.63M9.96M16.93M10.99M14.32M8.95M13.96M13.82M10.42M8.14M14.60M
Diluted EPS 0.941.211.270.870.930.990.700.810.860.030.840.881.020.981.010.931.111.760.561.241.211.470.991.230.990.890.320.590.900.810.520.880.570.750.470.730.720.550.430.78

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 282.21M248.16M280.66M321.25M356.33M404.02M400.95M396.66M375.21M377.75M370.37M339.48M315.93M294.69M306.91M309.11M317.30M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -----------------
Pretax Income -------------67.65M77.38M69.06M58.85M
Tax Provision -------------12.04M15.27M13.62M11.71M
Net Income 47.56M34.52M24.18M29.35M43.64M53.67M70.46M77.86M46.23M71.63M92.69M86.60M65.76M55.60M62.11M55.44M47.15M
Diluted EPS 2.281.811.291.582.322.843.694.052.403.714.804.473.392.883.232.892.47

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.12B1.14B1.22B1.33B1.46B1.50B1.52B1.52B1.52B1.49B1.47B-1.27B1.23B1.16B1.13B
Current Assets ------------------
Cash & Equivalents 95.24M63.19M60.97M45.54M92.68M123.08M90.96M69.48M58.94M55.56M40.34M43.81M61.76M-61.47M38.68M44.05M61.93M
Inventory ------------------
Receivables --------------247.39M262.82M259.68M269.04M
Total Liabilities --787.73M794.54M839.72M912.19M1.01B1.05B1.06B1.09B1.11B1.06B1.03B-951.85M936.71M900.45M878.95M
Current Liabilities ------------------
Long Term Debt ------------------
Total Debt ------------------
Total Equity 255.86M306.13M328.72M349.44M381.22M416.81M446.97M453.98M456.15M425.42M409.76M430.21M438.82M-317.43M292.45M257.34M251.60M
Shares Outstanding --------------20.68M20.70M20.73M20.77M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 27.30M44.84M43.71M81.05M---114.21M130.81M98.27M78.82M63.40M-28.19M29.84M24.19M11.07M
Investing Cash Flow -33.82M-36.66M-42.94M-9.33M----50.48M-51.54M-29.06M11.69M43.37M-75.43M43.88M72.37M68.42M
Financing Cash Flow -25.53M-10.41M-16.20M-24.58M----74.28M-82.64M-84.42M-87.04M-88.83M--112.87M-96.51M-91.20M-61.61M
Capital Expenditure -1.02M-3.21M-1.13M-1.20M-1.14M-989.00K-953.00K-1.64M-478.00K-1.13M-1.02M-921.00K--2.09M-553.00K-840.00K-2.15M
Free Cash Flow 26.28M41.64M42.58M79.85M---112.57M130.33M97.14M77.81M62.48M-26.11M29.29M23.35M8.92M
Net Change in Cash --------------9.25M-22.79M5.36M17.88M
Share Buybacks -12.10M10.27M----------12.39M2.17M--
Dividends Paid --32.00M21.00M15.00M25.00M50.00M67.00M78.90M65.40M115.90M88.60M148.40M77.70M56.00M71.00M62.70M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % 16.9%13.9%8.6%9.1%12.2%13.3%17.6%19.6%12.3%19.0%25.0%25.5%20.8%18.9%20.2%17.9%14.9%
ROE % 15.5%10.5%6.9%7.7%10.5%12.0%15.5%17.1%10.9%17.5%21.5%19.7%-17.5%21.2%21.5%18.7%
ROCE % -----------------

Shareholding Pattern

Insiders
2.06%
Institutions
104.05%
Public Float
106.24%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 19.48% 3.61M $94.79M
2 Neuberger Berman Group, LLC 6.90% 1.28M $33.56M
3 Goldman Sachs Group Inc 6.50% 1.20M $31.63M
4 State Street Corporation 4.45% 824.22K $21.64M
5 Vanguard Capital Management LLC 4.44% 822.73K $21.60M
6 Charles Schwab Investment Management, Inc. 4.27% 790.95K $20.76M
7 Royce & Associates LP 4.26% 790.08K $20.74M
8 Geode Capital Management, LLC 3.38% 625.64K $16.42M
9 Two Sigma Investments, LP 3.36% 623.47K $16.37M
10 Bank of America Corporation 2.99% 554.39K $14.55M

Analyst View

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Latest News

Recent headlines for AMSF

Yahoo Finance hu, 20 Aug 2026

Why Is Amerisafe (AMSF) Down 16% Since Last Earnings Report?

Amerisafe (AMSF) reported earnings 30 days ago. What's next for the stock? We take a look at earnings estimates for some clues.

Yahoo Finance Wed, 22 Jul 2026

AMERISAFE Q2 Earnings Call Highlights

AMERISAFE (NASDAQ:AMSF) reported higher second-quarter premiums and continued policy growth, while executives said the workers’ compensation insurer is navigating a profitable but increasingly competitive market marked by rate pressure and …

Yahoo Finance hu, 16 Jul 2026

Can Higher Premiums Cushion AMERISAFE's Expense Headwinds in Q2?

Can higher net premiums help AMSF offset rising claims costs? Here's what could shape the insurer's Q2 results ahead of its July 21 earnings release.

Yahoo Finance Fri, 04 Sep 2026

Bloom Energy, Illumina, and Everpure Set to Join S&P 500; Others to Join S&P 100, S&P MidCap 400, and S&P SmallCap 600

S&P Dow Jones Indices will make the following changes to the S&P 500, S&P 100, S&P MidCap 400, and S&P SmallCap 600 indices effective prior to the open of trading on Monday, September 21, 2026, to coincide with the quarterly rebalance. The …

Yahoo Finance Mon, 31 Aug 2026

Teladoc nabs insurance veteran as new CFO

Michael Grasher is joining Teladoc effective immediately, filling a finance leadership vacuum left after Mala Murthy departed in November.

Yahoo Finance Mon, 17 Aug 2026

Globe Life Lags Industry, Trades at a Discount: Time to Buy or Hold?

GL's premium growth, rising investment income and AI initiatives support earnings, while higher health claims remain a risk.

AMSF — Frequently Asked Questions

What is the current share price of AMERISAFE, Inc. (AMSF)?

As of 2026-09-07 16:24 PDT, AMERISAFE, Inc. (AMSF) trades at $25.99 on NasdaqGS. Its 52-week range is $25.70 to $44.04.

What is the market capitalisation of AMSF?

AMERISAFE, Inc. (AMSF) has a market capitalisation of $486.11M on NasdaqGS.

What is the P/E ratio of AMSF?

AMSF trades at a trailing price-to-earnings (P/E) ratio of 10.48. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 2.16.

Does AMSF pay a dividend?

AMERISAFE, Inc. (AMSF) currently offers a dividend yield of 5.51%.

What is the return on equity (ROE) of AMSF?

AMSF has a return on equity (ROE) of 18.23%.

Is AMSF a good stock to buy?

This page provides a data-driven analysis of AMERISAFE, Inc. (AMSF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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