Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
AMSF's Cash to Debt is ranked higher than
87% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.23 vs. AMSF: No Debt )
AMSF' s 10-Year Cash to Debt Range
Min: 0.74   Max: No Debt
Current: No Debt

Equity to Asset 0.31
AMSF's Equity to Asset is ranked higher than
81% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.26 vs. AMSF: 0.31 )
AMSF' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.31
Current: 0.31

0.11
0.31
Interest Coverage No Debt
AMSF's Interest Coverage is ranked higher than
86% of the 174 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 25.59 vs. AMSF: No Debt )
AMSF' s 10-Year Interest Coverage Range
Min: 8.52   Max: 9999.99
Current: No Debt

8.52
9999.99
F-Score: 6
Z-Score: 1.17
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 19.02
AMSF's Operating margin (%) is ranked higher than
87% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.36 vs. AMSF: 19.02 )
AMSF' s 10-Year Operating margin (%) Range
Min: 2.44   Max: 22.1
Current: 19.02

2.44
22.1
Net-margin (%) 13.79
AMSF's Net-margin (%) is ranked higher than
85% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.16 vs. AMSF: 13.79 )
AMSF' s 10-Year Net-margin (%) Range
Min: 2.15   Max: 16.45
Current: 13.79

2.15
16.45
ROE (%) 12.78
AMSF's ROE (%) is ranked higher than
78% of the 212 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.84 vs. AMSF: 12.78 )
AMSF' s 10-Year ROE (%) Range
Min: 7.14   Max: 540.85
Current: 12.78

7.14
540.85
ROA (%) 3.92
AMSF's ROA (%) is ranked higher than
80% of the 213 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.39 vs. AMSF: 3.92 )
AMSF' s 10-Year ROA (%) Range
Min: 0.72   Max: 4.89
Current: 3.92

0.72
4.89
ROC (Joel Greenblatt) (%) 999.77
AMSF's ROC (Joel Greenblatt) (%) is ranked higher than
89% of the 170 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 311.36 vs. AMSF: 999.77 )
AMSF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 236.83   Max: 1345.59
Current: 999.77

236.83
1345.59
Revenue Growth (%) 13.50
AMSF's Revenue Growth (%) is ranked higher than
86% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.70 vs. AMSF: 13.50 )
AMSF' s 10-Year Revenue Growth (%) Range
Min: -73.9   Max: 595.5
Current: 13.5

-73.9
595.5
EBITDA Growth (%) 11.00
AMSF's EBITDA Growth (%) is ranked higher than
79% of the 191 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.20 vs. AMSF: 11.00 )
AMSF' s 10-Year EBITDA Growth (%) Range
Min: -64.9   Max: 368.1
Current: 11

-64.9
368.1
EPS Growth (%) 8.60
AMSF's EPS Growth (%) is ranked higher than
74% of the 175 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.70 vs. AMSF: 8.60 )
AMSF' s 10-Year EPS Growth (%) Range
Min: 0   Max: 8.6
Current: 8.6

0
8.6
» AMSF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

AMSF Guru Trades in Q4 2013

Steven Cohen Sold Out
» More
Q1 2014

AMSF Guru Trades in Q1 2014

Jim Simons 52,575 sh (New)
» More
Q2 2014

AMSF Guru Trades in Q2 2014

Jim Simons 96,400 sh (+83.36%)
» More
Q3 2014

AMSF Guru Trades in Q3 2014

Jim Simons 83,300 sh (-13.59%)
» More
» Details

Insider Trades

Latest Guru Trades with AMSF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.80
AMSF's P/E(ttm) is ranked higher than
68% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.10 vs. AMSF: 14.80 )
AMSF' s 10-Year P/E(ttm) Range
Min: 1.46   Max: 23.13
Current: 14.8

1.46
23.13
P/B 1.80
AMSF's P/B is ranked higher than
65% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.32 vs. AMSF: 1.80 )
AMSF' s 10-Year P/B Range
Min: 0.45   Max: 2.24
Current: 1.8

0.45
2.24
P/S 2.10
AMSF's P/S is ranked higher than
59% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.19 vs. AMSF: 2.10 )
AMSF' s 10-Year P/S Range
Min: 0.01   Max: 2.36
Current: 2.1

0.01
2.36
PFCF 6.10
AMSF's PFCF is ranked higher than
87% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 14.46 vs. AMSF: 6.10 )
AMSF' s 10-Year PFCF Range
Min: 0.02   Max: 23.51
Current: 6.1

0.02
23.51
EV-to-EBIT 8.57
AMSF's EV-to-EBIT is ranked higher than
78% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.79 vs. AMSF: 8.57 )
AMSF' s 10-Year EV-to-EBIT Range
Min: 2.4   Max: 20.6
Current: 8.57

2.4
20.6
Shiller P/E 21.20
AMSF's Shiller P/E is ranked higher than
75% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.39 vs. AMSF: 21.20 )
AMSF' s 10-Year Shiller P/E Range
Min: 5.82   Max: 21.99
Current: 21.2

5.82
21.99

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
AMSF's Dividend Yield is ranked lower than
87% of the 177 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.56 vs. AMSF: 1.10 )
AMSF' s 10-Year Dividend Yield Range
Min: 0.23   Max: 1.15
Current: 1.1

0.23
1.15
Dividend Payout 0.15
AMSF's Dividend Payout is ranked higher than
92% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.50 vs. AMSF: 0.15 )
AMSF' s 10-Year Dividend Payout Range
Min: 0.09   Max: 0.21
Current: 0.15

0.09
0.21
Yield on cost (5-Year) 1.10
AMSF's Yield on cost (5-Year) is ranked lower than
86% of the 179 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.41 vs. AMSF: 1.10 )
AMSF' s 10-Year Yield on cost (5-Year) Range
Min: 0.23   Max: 1.15
Current: 1.1

0.23
1.15
Share Buyback Rate 0.60
AMSF's Share Buyback Rate is ranked higher than
82% of the 167 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.30 vs. AMSF: 0.60 )
AMSF' s 10-Year Share Buyback Rate Range
Min: 0   Max: -360.7
Current: 0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.80
AMSF's Price/Tangible Book is ranked higher than
71% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.55 vs. AMSF: 1.80 )
AMSF' s 10-Year Price/Tangible Book Range
Min: 0.52   Max: 2.11
Current: 1.8

0.52
2.11
Price/DCF (Projected) 0.70
AMSF's Price/DCF (Projected) is ranked higher than
83% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.86 vs. AMSF: 0.70 )
AMSF' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.86
Current: 0.7

0.27
0.86
Price/Median PS Value 1.60
AMSF's Price/Median PS Value is ranked higher than
56% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AMSF: 1.60 )
AMSF' s 10-Year Price/Median PS Value Range
Min: 0.01   Max: 1.75
Current: 1.6

0.01
1.75
Price/Peter Lynch Fair Value 2.90
AMSF's Price/Peter Lynch Fair Value is ranked higher than
87% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9999.00 vs. AMSF: 2.90 )
AMSF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28   Max: 2.69
Current: 2.9

0.28
2.69
Price/Graham Number 1.10
AMSF's Price/Graham Number is ranked higher than
69% of the 218 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.93 vs. AMSF: 1.10 )
AMSF' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.3
Current: 1.1

0.47
1.3
Earnings Yield (Greenblatt) 11.70
AMSF's Earnings Yield (Greenblatt) is ranked higher than
77% of the 211 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.40 vs. AMSF: 11.70 )
AMSF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.9   Max: 40.9
Current: 11.7

4.9
40.9
Forward Rate of Return (Yacktman) 13.43
AMSF's Forward Rate of Return (Yacktman) is ranked higher than
79% of the 182 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.25 vs. AMSF: 13.43 )
AMSF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.9   Max: 577.9
Current: 13.43

-7.9
577.9

Business Description

Industry: Insurance - Property & Casualty » Insurance - Property & Casualty
Compare:RLI, TRV, MBI, QBIEY, TKOMY » details
Traded in other countries:A3I.Germany
AMERISAFE, Inc., is a holding company and was incorporated in Texas in 1985. The Company is a specialty provider of workers' compensation insurance focused on small to mid-sized employers engaged in hazardous industries, mainly construction, trucking, manufacturing, oil and gas and agriculture. It provides coverage to employers under state and federal workers' compensation laws. These laws prescribe wage replacement and medical care benefits that employers are obligated to provide to their employees who are injured in the course and scope of their employment. Its workers' compensation insurance policies provide benefits to injured employees for, among other things, temporary or permanent disability, death and medical and hospital expenses. The benefits payable and the duration of those benefits are set by state or federal law. The benefits vary by jurisdiction, the nature and severity of the injury and the wages of the employee. It employs a proactive, disciplined approach to underwriting employers and providing comprehensive services intended to lessen the overall incidence and cost of workplace injuries. It provides safety services at employers' workplaces as a vital component of its underwriting process and to promote safer workplaces. It utilize intensive claims management practices that it think permits it to reduce the overall cost of its claims. In addition, its premium audit services ensure that its policyholders pay the appropriate premiums required under the terms of their policies and enable it to monitor payroll patterns that cause underwriting, safety or fraud concerns. The Company provides workers' compensation insurance mainly to employers in the following targeted hazardous industries: Construction, Trucking, Manufacturing, Agriculture, Oil and Gas, Maritime and Logging. The Company sells its workers' compensation insurance through agencies. As of December 31, 2013, its insurance was sold through more than 3,175 independent agencies and its wholly-owned insurance agency subsidiary, Amerisafe General Agency, which is licensed in 27 states. Its competitors include other insurance companies, individual self-insured companies, state insurance pools and self-insurance funds.
» More Articles for AMSF

Headlines

Articles On GuruFocus.com
AMERISAFE Inc. Reports Operating Results (10-Q) Aug 06 2010 
AMERISAFE Inc. Reports Operating Results (10-Q) May 04 2010 
AMERISAFE Inc. Reports Operating Results (10-Q) Nov 06 2009 
AMERISAFE Inc. (AMSF) CFO Geoffrey R Banta buys 1,000 Shares Mar 13 2009 
AMERISAFE Inc. (AMSF) CFO G. Janelle Frost buys 1,000 Shares Mar 13 2009 

More From Other Websites
AMERISAFE Announces Election of Michael Brown to Board of Directors Nov 13 2014
AMERISAFE Announces Election of Michael Brown to Board of Directors Nov 13 2014
AMERISAFE INC Files SEC form 8-K, Change in Directors or Principal Officers Nov 13 2014
Why You Shouldn't Bet Against Amerisafe (AMSF) Stock Nov 13 2014
Will Amerisafe (AMSF) Crush Estimates at Its Next Earnings Report? Nov 13 2014
Is It 'Safe' to Buy Amerisafe (AMSF)? Nov 12 2014
10-Q for AMERISAFE, Inc. Nov 03 2014
AMERISAFE INC Files SEC form 10-Q, Quarterly Report Oct 31 2014
Amerisafe Beats on Q3 Earnings, Underwriting Solid Oct 31 2014
AMERISAFE INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 30 2014
Amerisafe posts 3Q profit Oct 30 2014
Amerisafe posts 3Q profit Oct 30 2014
AMERISAFE Announces 2014 Third Quarter Results Oct 29 2014
AMERISAFE Announces 2014 Third Quarter Results Oct 29 2014
Q3 2014 Amerisafe Inc Earnings Release - After Market Close Oct 29 2014
AMERISAFE Announces 2014 Third Quarter Earnings Release and Conference Call Schedule Oct 15 2014
AMERISAFE Announces 2014 Third Quarter Earnings Release and Conference Call Schedule Oct 15 2014
AMERISAFE to Present at JMP Securities Financial Services and Real Estate Conference Sep 23 2014
Ranking P&C Reserving Conservatism Aug 20 2014
AMERISAFE INC Financials Aug 08 2014
AMERISAFE INC Files SEC form 10-Q, Quarterly Report Aug 01 2014
Amerisafe Q2 Earnings Rise on Robust Underwriting, Shares Up Aug 01 2014
AMERISAFE INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 30 2014
3 Stocks Pushing The Insurance Industry Lower Jul 16 2014
Why Amerisafe Is a Strong Sell Jun 30 2014
AMERISAFE INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 13 2014
AMERISAFE Announces 2013 Fourth Quarter and Year-End Results Feb 26 2014
AMERISAFE Announces 2013 Fourth Quarter and Full Year Earnings Release and Conference Call Schedule Feb 11 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK