image
AMERISAFE, Inc. AMSF
Financial Services - Insurance - Specialty - NASDAQ - US
Watchlist
$ 48.0
-4.21 %
$ 914 M
Market Cap
16.61
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AMSF stock under the worst case scenario is HIDDEN Compared to the current market price of 48 USD, AMERISAFE, Inc. is HIDDEN

AMSF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AMSF stock under the base case scenario is HIDDEN Compared to the current market price of 48 USD, AMERISAFE, Inc. is HIDDEN

AMSF Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one AMSF stock under the best case scenario is HIDDEN Compared to the current market price of 48 USD, AMERISAFE, Inc. is HIDDEN

AMSF Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart AMSF

image
1M -8%
6M 0%
1Y 2%
3Y 36%
5Y 22%
All
$56.0$56.0$55.0$55.0$54.0$54.0$53.0$53.0$52.0$52.0$51.0$51.0$50.0$50.0$49.0$49.0$48.0$48.0$47.0$47.0$46.0$46.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
309 M REVENUE
0.69%
Growth Rates
1Year 0.69%
3Years -0.74%
5Years -3.56%
7Years -2.73%
10Years -2.64%
-31.6 M OPERATING INCOME
-11.30%
Growth Rates
1Year -11.30%
3Years -11.80%
5Years -4.95%
7Years -4.75%
10Years -3.63%
55.4 M NET INCOME
-10.74%
Growth Rates
1Year -10.74%
3Years -5.53%
5Years -9.77%
7Years 2.63%
10Years 0.33%
24.2 M OPERATING CASH FLOW
-18.94%
Growth Rates
1Year -18.94%
3Years -13.96%
5Years -21.04%
7Years -21.42%
10Years -16.13%
72.4 M INVESTING CASH FLOW
64.91%
Growth Rates
1Year 64.91%
3Years 0.66%
5Years 44.00%
7Years 19.12%
10Years 9.65%
-91.2 M FINANCING CASH FLOW
5.51%
Growth Rates
1Year 5.51%
3Years 3.02%
5Years -0.94%
7Years -1.42%
10Years -11.20%
74 M REVENUE
-5.92%
Growth Rates
1Year 0.69%
3Years -0.74%
5Years -3.56%
7Years -2.73%
10Years -2.64%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -11.30%
3Years -11.80%
5Years -4.95%
7Years -4.75%
10Years -3.63%
13.2 M NET INCOME
-7.89%
Growth Rates
1Year -10.74%
3Years -5.53%
5Years -9.77%
7Years 2.63%
10Years 0.33%
10.8 M OPERATING CASH FLOW
28.15%
Growth Rates
1Year -18.94%
3Years -13.96%
5Years -21.04%
7Years -21.42%
10Years -16.13%
33.8 M INVESTING CASH FLOW
2.80%
Growth Rates
1Year 64.91%
3Years 0.66%
5Years 44.00%
7Years 19.12%
10Years 9.65%
-64.2 M FINANCING CASH FLOW
-679.73%
Growth Rates
1Year 5.51%
3Years 3.02%
5Years -0.94%
7Years -1.42%
10Years -11.20%
Balance Sheet AMERISAFE, Inc.
image
Current Assets 502 M
Cash & Short-Term Investments 352 M
Receivables 150 M
Other Current Assets 0
Non-Current Assets 5.89 M
Long-Term Investments 481 M
PP&E 5.89 M
Other Non-Current Assets -481 M
69.30 %29.54 %94.75 %Total Assets$507.7m
Current Liabilities 1.43 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 1.43 M
Non-Current Liabilities 898 M
Long-Term Debt 0
Other Non-Current Liabilities 898 M
99.84 %Total Liabilities$899.7m
EFFICIENCY
Earnings Waterfall AMERISAFE, Inc.
image
Revenue 309 M
Cost Of Revenue 31.5 M
Gross Profit 278 M
Operating Expenses 309 M
Operating Income -31.6 M
Other Expenses -87 M
Net Income 55.4 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)309m(32m)278m(309m)(32m)87m55mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
89.81% GROSS MARGIN
89.81%
Averages
1Year 89.81%
3Years 90.88%
5Years 88.45%
7Years 87.76%
10Years 87.22%
-10.22% OPERATING MARGIN
-10.22%
Averages
1Year -10.22%
3Years 34.59%
5Years 32.08%
7Years 30.68%
10Years 29.03%
17.94% NET MARGIN
17.94%
Averages
1Year 17.94%
3Years 19.01%
5Years 20.67%
7Years 21.05%
10Years 19.68%
21.54% ROE
21.54%
Averages
1Year 21.54%
3Years 20.10%
5Years 19.30%
7Years 19.36%
10Years 17.90%
4.79% ROA
4.79%
Averages
1Year 4.79%
3Years 4.74%
5Years 4.96%
7Years 5.10%
10Years 4.86%
-5.01% ROIC
-5.01%
Averages
1Year -5.01%
3Years 3.67%
5Years 4.46%
7Years 4.67%
10Years 5.95%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis AMERISAFE, Inc.
image
140m140m120m120m100m100m80m80m60m60m40m40m20m20m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 55.4 M
Depreciation & Amortization 1.09 M
Capital Expenditures -840 K
Stock-Based Compensation 2.94 M
Change in Working Capital 0
Others -52.3 M
Free Cash Flow 23.4 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets AMERISAFE, Inc.
image
AMSF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
6.54% DIVIDEND YIELD
0.39 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
6.006.005.005.004.004.003.003.002.002.001.001.000.000.000.20.220.250.270.290.310.340.370.390.20.220.250.270.290.310.340.370.20.220.250.270.290.310.340.373.153.603.433.973.74.303.724.383.54.250.251.063.54.370.271.2045.020.291.404.314.703.843.843.373.372015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership AMERISAFE, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
43.5 K USD 1
9-12 MONTHS
7. News
AMERISAFE Announces 2025 First-Quarter Earnings Release and Conference Call Schedule DERIDDER, La.--(BUSINESS WIRE)--AMERISAFE Announces 2025 First-Quarter Earnings Release and Conference Call Schedule. businesswire.com - 2 weeks ago
Amerisafe (AMSF) Up 4.3% Since Last Earnings Report: Can It Continue? Amerisafe (AMSF) reported earnings 30 days ago. What's next for the stock? zacks.com - 3 weeks ago
5 Stocks to Watch From Prospering Accident & Health Insurance Industry Lower claims frequency, moderate pricing and the adoption of technology are likely to boost the performance of Zacks Accident and Health Insurance industry players like AFL, UNM, TRUP, EIG and AMSF. zacks.com - 1 month ago
AMERISAFE, Inc. (AMSF) Q4 2024 Earnings Call Transcript AMERISAFE, Inc. (NASDAQ:AMSF ) Q4 2024 Earnings Conference Call February 27, 2025 10:30 AM ET Company Participants Kathryn Shirley - Chief Administrative Officer Janelle Frost - President & Chief Executive Officer Andy Omiridis - Executive Vice President & Chief Financial Officer Conference Call Participants Mark Hughes - Truist Matt Carletti - Citizens JMP Bob Farnam - Janney Operator Good day and welcome to the AMERISAFE Fourth Quarter 2024 Earnings Call. Today's conference is being recorded. seekingalpha.com - 1 month ago
AMERISAFE's Q4 Earnings Beat on Higher Premiums Earned AMSF hikes quarterly cash dividend to 39 cents per share from 37 cents. zacks.com - 1 month ago
Compared to Estimates, Amerisafe (AMSF) Q4 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for Amerisafe (AMSF) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 1 month ago
Amerisafe (AMSF) Beats Q4 Earnings Estimates Amerisafe (AMSF) came out with quarterly earnings of $0.67 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.74 per share a year ago. zacks.com - 1 month ago
AMERISAFE Increases Dividend by 5.4% DERIDDER, La.--(BUSINESS WIRE)--AMERISAFE INCREASES DIVIDEND BY 5.4%. businesswire.com - 1 month ago
AMERISAFE Announces 2024 Fourth Quarter and Full Year Earnings Release and Conference Call Schedule DERIDDER, La.--(BUSINESS WIRE)--AMERISAFE ANNOUNCES 2024 FOURTH QUARTER AND FULL YEAR EARNINGS RELEASE AND CONFERENCE CALL SCHEDULE. businesswire.com - 3 months ago
Amerisafe (AMSF) Up 3.4% Since Last Earnings Report: Can It Continue? Amerisafe (AMSF) reported earnings 30 days ago. What's next for the stock? zacks.com - 4 months ago
Amerisafe Has A Premium Worth Paying Amerisafe's core profits have declined since 2019, but the company generates more profit per dollar invested, increasing its long-term corporate value. Specializing in workers' compensation insurance for hazardous industries, AMSF maintains high client satisfaction with a 94.1% policy renewal rate and a low expense ratio. Despite a drop in NOPAT, Amerisafe's ROIC has improved, indicating better balance sheet efficiency and potential for future profit growth. seekingalpha.com - 5 months ago
AMERISAFE Stock Gains 8.1% Since Q3 Earnings Beat Estimates AMSF's results benefit from improved net premiums earned and fee and other income. Rising expenses and declining net investment income partially offset the positives. zacks.com - 5 months ago
8. Profile Summary

AMERISAFE, Inc. AMSF

image
COUNTRY US
INDUSTRY Insurance - Specialty
MARKET CAP $ 914 M
Dividend Yield 6.54%
Description AMERISAFE, Inc., an insurance holding company, underwrites workers' compensation insurance in the United States. The company's workers' compensation insurance policies provide benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. It serves small to 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.
Contact 2301 Highway 190 West, Deridder, LA, 70634 https://www.amerisafe.com
IPO Date Nov. 18, 2005
Employees 362
Officers Mr. Henry Oscar Lestage IV Senior Vice President of Claims Operations Ms. Kathryn Housh Shirley Executive Vice President, Chief Administrative Officer & Secretary Mr. Raymond Frederick Wise Jr. Executive Vice President & Chief Sales Officer Mr. Anastasios George Omiridis Executive Vice President & Chief Financial Officer Mr. Vincent John Gagliano Executive Vice President & Chief Risk Officer Ms. Angela Walker Pearson Senior Vice President & Controller Mr. Michael C. Cobb Senior Vice President of Safety Operations Ms. Gerry Janelle Frost President, Chief Executive Officer & Director Ms. Barbra E. McCrary Senior Vice President of Policyholder Services Ms. Nancy E. Hunt Senior Vice President of Underwriting Operations