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AMERISAFE, Inc. AMSF R2K

Financial Services · Insurance - Specialty · United States
https://www.amerisafe.com
Company Profile ↓
$34.06
-18.47% 1Y
Mkt Cap$637.05M
P/E14.02
P/B2.39
Div. Yield5.20%
52W High$44.04
52W Low$29.22
Book Value$13.19
EPS (TTM)$2.43

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 18.3%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at an undemanding P/E of 14.0.

Dividend Income

Offers a dividend yield of 5.20%.

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 +10.3%, earnings -8.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.5%, profit CAGR -5.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.49%
1 Year:10.30%

Compounded Profit Growth

5 Years:-5.35%
1 Year:-8.50%

Stock Price Performance

1 Year:-18.47%
6 Months:-6.68%
3 Months:+2.60%
1 Month:+8.51%

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

Technical Snapshot Mixed
52-Week Range 33% of range
$29.22 $44.04
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)56.40 · Neutral
Price Performance
1M+8.51%
3M+2.60%
6M-6.68%
1Y-18.47%
Valuation vs Sector

P/E of 14.02 is above the sector median of 13.30 — pricier 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 5.20%.
  • Generates positive free cash flow.

CONS

  • Earnings shrank at -5.4% CAGR over 5 years.
  • 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
14.02
Industry PE
13.30
Forward P/E
16.35
PEG Ratio
1.81
Book Value
$13.19
Price to Book
2.39
P/S
1.82
EV/EBITDA
9.00
Dividend Yield
5.20%

Growth (CAGR)

Revenue 5Y
2.49%
Profit 5Y
-5.35%
Revenue (YoY)
10.30%
Earnings (YoY)
-8.50%

Profitability & Returns

ROCE
-
ROE
18.27%
ROA
3.17%
Profit Margin
14.27%
Op Margin
12.68%
Gross Margin
28.04%
EPS (Latest Qtr)
$0.43
EPS (TTM)
$2.43

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
1.31
Current Ratio
1.92
Debt
$0
Total Assets
$1.12B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.03%
Chg in Prom Hold
0.08%
FII / Inst Holding
99.50%
Chg in FII Hold
-0.79%

Financial Snapshot

Enterprise Value
$637.05M
Total Revenue (TTM)
$324.78M
EBITDA
$58.49M
Free Cash Flow
$22.47M
Operating Cash Flow
$10.16M
Shares Outstanding
18.70M
Gross Margin
28.04%
Payout Ratio
65.02%

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. R2K 34.06 14.02 $637.05M 5.20% - 18.27% 2.49% -5.35%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 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 2026
Revenue 99.94M97.47M101.76M102.33M97.56M98.21M98.56M97.54M89.92M92.80M94.94M94.17M95.38M93.53M94.67M95.19M91.75M91.49M91.94M79.17M89.08M83.00M88.22M83.35M81.16M73.05M75.56M68.04M71.38M78.44M75.66M72.64M80.49M75.83M78.69M72.61M81.10M81.98M81.60M80.10M
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 14.32M17.94M23.07M24.26M16.64M17.90M19.07M13.52M15.48M16.58M649.00K16.17M16.96M19.70M18.81M19.40M17.89M21.39M34.01M10.80M23.95M23.35M28.50M19.31M23.77M19.14M17.33M6.13M11.36M17.34M15.63M9.96M16.93M10.99M14.32M8.95M13.96M13.82M10.42M8.14M
Diluted EPS 0.750.941.211.270.870.930.990.700.810.860.030.840.881.020.981.010.931.111.760.561.241.211.470.991.230.990.890.320.590.900.810.520.880.570.750.470.730.720.550.43

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
2.03%
Institutions
99.50%
Public Float
101.56%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 17.50% 3.27M $112.20M
2 Neuberger Berman Group, LLC 9.27% 1.73M $59.44M
3 Goldman Sachs Group Inc 5.16% 964.66K $33.07M
4 Vanguard Capital Management LLC 4.54% 849.03K $29.11M
5 State Street Corporation 4.27% 799.19K $27.40M
6 Charles Schwab Investment Management, Inc. 3.85% 720.61K $24.71M
7 Royce & Associates LP 3.43% 642.47K $22.03M
8 Bank of America Corporation 3.33% 623.70K $21.38M
9 Geode Capital Management, LLC 3.08% 575.43K $19.73M
10 Two Sigma Investments, LP 2.54% 475.24K $16.29M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for AMSF

Yahoo Finance Mon, 13 Jul 2026

Can AMSF Sustain Growth Despite a Tough Workers' Compensation Market?

AMERISAFE is growing premiums and maintaining underwriting profits despite pricing pressure, but can its disciplined strategy keep delivering shareholder value?

Yahoo Finance Fri, 10 Jul 2026

AMERISAFE Earns Spot on Ward’s Top 50 Property and Casualty Insurers for 18th Consecutive Year

DERIDDER, La., July 10, 2026--AMERISAFE EARNS SPOT ON WARD’S TOP 50 PROPERTY AND CASUALTY INSURERS FOR 18TH CONSECUTIVE YEAR

Yahoo Finance hu, 09 Jul 2026

GL Outperforms Industry, Trades at a Discount: How to Play the Stock?

Globe Life's premium growth, rising sales, AI initiatives and capital returns support long-term growth as underwriting discipline and investment income strengthen earnings.

Yahoo Finance Wed, 01 Jul 2026

AMERISAFE Announces 2026 Second Quarter Earnings Release and Conference Call Schedule

DERIDDER, La., July 01, 2026--AMERISAFE ANNOUNCES 2026 SECOND QUARTER EARNINGS RELEASE AND CONFERENCE CALL SCHEDULE

Yahoo Finance ue, 30 Jun 2026

Here's Why Investors Should Retain AMERISAFE Stock for Now

AMSF is seeing steady premium growth, strong policy retention and disciplined underwriting, but investors should also weigh cash flow and valuation concerns.

Yahoo Finance ue, 23 Jun 2026

AMERISAFE (AMSF) Stock Fair Value Edges Lower As Analysts Rework Growth And Margins

AMERISAFE’s updated analyst narrative centers on a revised fair value estimate, with the modeled price target moving from US$38.67 to US$36.67. Recent research links this shift to refreshed assumptions on valuation and execution, as analyst…

AMSF — Frequently Asked Questions

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

As of 2026-07-14 21:23 PDT, AMERISAFE, Inc. (AMSF) trades at $34.06 on NasdaqGS. Its 52-week range is $29.22 to $44.04.

What is the market capitalisation of AMSF?

AMERISAFE, Inc. (AMSF) has a market capitalisation of $637.05M on NasdaqGS.

What is the P/E ratio of AMSF?

AMSF trades at a trailing price-to-earnings (P/E) ratio of 14.02. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.39.

Does AMSF pay a dividend?

AMERISAFE, Inc. (AMSF) currently offers a dividend yield of 5.20%.

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

AMSF has a return on equity (ROE) of 18.27%.

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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