Pricing Log in Create free account

AMERISAFE, Inc. (AMSF) vs Radian Group Inc. (RDN)

AMERISAFE, Inc. and Radian Group Inc. are both Insurance Specialty companies. Radian Group Inc. is the larger, with a market value of $4.9B against $376.8M — 13.1× the size. AMERISAFE, Inc. trades at the lower P/E: 9.4× against 9.5×. Radian Group Inc. grew revenue faster over the last twelve months: 41.9% against 7.68%. Radian Group Inc. has the higher net margin (32.6% vs 12.1%) and the lower return on invested capital (7.69% vs 15.9%). Both pay a dividend; AMERISAFE, Inc. yields more (6.06% vs 2.75%). Across the 21 metrics below, Radian Group Inc. leads on 11 and AMERISAFE, Inc. on 10.

Valuation

Metric AMSF RDN Insurance Specialty median
P/E 9.39 9.47 9.49
P/S 1.13 3.06 1.69
P/B 1.58 1.05 1.23
Price to free cash flow 30.48 3.61 8.44
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.65% 10.56% 10.48%
Free cash flow yield 3.28% 27.67% 10.87%

Profitability

Metric AMSF RDN Insurance Specialty median
Gross margin 26.32% 69.22% 56.22%
Operating margin 15.03% 48.72% 15.19%
Net margin 12.10% 32.60% 13.80%
Free cash flow margin 3.70% 84.53% 34.47%
Return on equity 15.76% 11.53% 12.01%
Return on assets 3.55% 5.30% 3.55%
Return on invested capital 15.85% 7.69% 9.88%

Growth

Metric AMSF RDN Insurance Specialty median
Revenue growth (TTM) 7.68% 41.92% 7.68%
EPS growth (last fiscal year) (14.53%) 5.61% 8.65%
Revenue growth, 5-year CAGR (1.35%) (3.61%) 2.24%
Net income growth, 5-year CAGR (11.45%) 8.16% 0.00%

Health

Metric AMSF RDN Insurance Specialty median
Debt to equity 0.00 0.26 0.16
Current ratio 0.41 0.39 0.52
Net debt to EBITDA (1.03) 1.20 0.28

Dividend

Metric AMSF RDN Insurance Specialty median
Dividend yield 6.06% 2.75% 2.06%
Payout ratio 0.57 0.26 0.19

Size

Metric AMSF RDN Insurance Specialty median
Market cap 376.77m 4.93b 3.31b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack