AMERISAFE, Inc. AMSF

Financial — Insurance Specialty

23.51 (0.32) (1.34%) as of 25 Sep

Market cap: $441.7M
P/E: 9.5×

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Revenue Champion (3y)

Growth Flags show if company had growth for consecutive years

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	15.49	17.71	14.46	18.01	15.83	12.79	13.70	15.20	24.81	15.45
P/S ratio Full definition →	2.30	3.18	2.93	3.41	3.29	3.26	3.43	2.88	3.05	3.04
P/FCF ratio Full definition →	81.71	42.10	30.73	38.48	28.35	17.73	16.34	11.21	8.79	10.70
P/Operating CF Full definition →	68.62	90.78	226.87	(127.61)	121.64	88.41	77.76	39.56	40.24	38.43
P/B ratio Full definition →	2.90	3.82	3.08	3.16	2.61	2.52	2.95	2.66	2.69	2.64
Price to Tangible BV Full definition →	2.90	3.82	3.08	3.16	2.61	2.52	2.95	2.66	2.69	2.64
EV/Sales Full definition →	2.10	3.04	2.81	3.20	3.07	3.08	3.31	2.78	2.91	2.89
EV/EBITDA Full definition →	11.09	13.11	10.53	12.46	10.86	9.01	9.81	10.55	11.21	8.80
EV/Operating CF Full definition →	60.26	38.81	28.86	33.45	25.54	16.50	15.57	10.67	8.34	10.03
EV/FCF Full definition →	74.77	40.21	29.41	36.13	26.42	16.74	15.77	10.79	8.37	10.18
Quick Ratio Full definition →	0.40	0.36	0.35	0.35	0.35	0.33	0.30	0.30	0.32	0.33
Current Ratio Full definition →	0.40	0.36	0.35	0.35	0.35	0.33	0.30	0.30	0.32	0.33
Net Debt/EBITDA Full definition →	(1.03)	(0.62)	(0.47)	(0.81)	(0.79)	(0.53)	(0.35)	(0.41)	(0.57)	(0.45)
Debt/Assets Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Asset Turnover Full definition →	0.28	0.26	0.25	0.22	0.22	0.23	0.25	0.25	0.25	0.26
Operating CF/Net income Full definition →	0.23	0.44	0.48	0.51	0.58	0.73	0.85	1.37	2.83	1.47
Capex/Depreciation Full definition →	(1.65)	(0.33)	(0.12)	(0.26)	(0.13)	(0.10)	(0.11)	(0.10)	(0.03)	(0.09)
Interest Coverage Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
ROE Full definition →	18.53%	20.17%	20.37%	15.51%	15.69%	19.93%	22.07%	17.15%	10.49%	17.11%
ROA Full definition →	4.12%	4.64%	4.97%	4.16%	4.58%	5.84%	6.16%	4.72%	3.04%	5.16%
ROIC Full definition →	19.39%	20.23%	19.06%	16.52%	15.11%	17.72%	18.68%	14.82%	13.90%	17.75%
Return on Tangible Assets Full definition →	(9.75%)	(10.34%)	(11.13%)	(9.77%)	(10.88%)	(13.54%)	(13.35%)	(10.06%)	(6.71%)	(11.92%)
Average Days of Receivables Full definition →	309.53	306.70	312.63	306.37	302.78	282.30	250.19	265.22	257.17	245.39
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	11.28%	11.05%	9.88%	9.91%	9.39%	9.24%	8.45%	7.98%	8.13%	7.34%
Intangible Assets out of Total Assets Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →	0.92%	0.95%	0.51%	0.84%	0.73%	0.97%	0.63%	0.55%	0.54%	0.40%
Graham Net Nets Full definition →	(0.75)	(0.61)	(0.71)	(0.64)	(0.64)	(0.64)	(0.60)	(0.73)	(0.67)	(0.61)
Graham Number Full definition →	27.20	29.72	33.42	32.82	39.75	47.94	49.23	42.31	34.69	46.82
Earnings Yield Full definition →	6.46%	5.65%	6.91%	5.55%	6.32%	7.82%	7.30%	6.58%	4.03%	6.47%
Free Cash Flow Yield Full definition →	1.22%	2.38%	3.25%	2.60%	3.53%	5.64%	6.12%	8.92%	11.37%	9.35%
Revenue per Share Full definition →	16.72	16.20	16.02	15.32	16.34	17.60	19.24	19.67	19.58	20.76
Operating CF per Share Full definition →	0.58	1.27	1.56	1.47	1.96	3.29	4.10	5.12	6.83	5.98
Capex per Share Full definition →	(0.11)	(0.04)	(0.03)	(0.11)	(0.07)	(0.05)	(0.05)	(0.06)	(0.02)	(0.09)
Free Cash Flow per Share Full definition →	0.47	1.22	1.53	1.36	1.90	3.24	4.04	5.06	6.80	5.89
Cash per Share Full definition →	3.26	2.31	2.02	3.20	3.66	3.20	2.28	2.10	2.90	3.08
Shareholders Equity per Share Full definition →	13.26	13.49	15.27	16.50	20.66	22.75	22.35	21.33	22.20	23.87
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	13.26	13.49	15.27	16.50	20.66	22.75	22.35	21.33	22.20	23.87
Free Cash Flow Full definition →	8.92	23.35	29.29	26.11	36.71	62.48	77.81	97.15	130.33	112.57
Working Capital Full definition →	(490.83)	(541.79)	(564.61)	(576.52)	(610.84)	(645.90)	(700.89)	(718.28)	(694.63)	(659.86)
Capital Expenditures Full definition →	(2.15)	(0.84)	(0.55)	(2.09)	(1.27)	(0.92)	(1.02)	(1.12)	(0.48)	(1.64)
Net Current Asset Value Full definition →	(547.98)	(596.73)	(635.20)	(642.99)	(670.60)	(707.72)	(765.01)	(791.34)	(772.89)	(737.10)
EV/EBIT Full definition →	11.33	13.60	11.13	13.94	12.21	9.78	10.62	11.97	13.26	10.16
Capex to Sales Full definition →	0.01	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit Margin Full definition →	14.86%	17.94%	20.24%	18.86%	20.81%	25.51%	25.03%	18.96%	12.32%	19.63%
Price to Operating Income Full definition →	12.39	14.23	11.63	14.85	13.10	10.36	11.00	12.43	13.94	10.68
Other line items
Depreciation/Fixed assets Full definition →	0.18	0.43	0.70	1.11	1.53	1.49	1.52	1.88	2.45	2.63
Cash ROIC Full definition →	1.20%	6.07%	7.09%	5.53%	6.71%	11.43%	15.29%	20.44%	25.92%	20.89%
Accounts Receivable Turnover Full definition →	1.20	1.18	1.20	1.16	1.20	1.31	1.40	1.40	1.41	1.46
Accounts Payable Turnover Full definition →	0.27	0.24	0.23	0.22	0.22	0.20	0.22	0.25	0.26	0.26
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	1,347.18	1,498.89	1,586.88	1,633.48	1,664.74	1,760.04	1,630.24	1,450.15	1,410.88	1,412.00
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	264.36	261.25	255.11	254.73	262.32	258.21	264.18	269.43	265.52	271.56
Average Payables Full definition →	833.65	855.82	875.75	914.51	956.93	984.40	1,015.84	1,023.83	1,000.01	975.25
Average Assets Full definition →	1,144.17	1,193.48	1,249.22	1,336.00	1,436.79	1,481.88	1,504.42	1,517.08	1,518.55	1,510.45
Average Common Equity Full definition →	254.47	274.90	304.94	358.38	419.07	434.52	419.99	417.59	440.79	455.07

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AMERISAFE, Inc. AMSF

AMERISAFE, Inc. AMSF

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