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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
88% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.89 vs. AMSF: No Debt )
AMSF' s 10-Year Cash to Debt Range
Min: 0.74   Max: No Debt
Current: No Debt

Equity to Asset 0.30
AMSF's Equity to Asset is ranked higher than
81% of the 195 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.25 vs. AMSF: 0.30 )
AMSF' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.31
Current: 0.3

0.11
0.31
Interest Coverage No Debt
AMSF's Interest Coverage is ranked higher than
83% of the 163 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 22.74 vs. AMSF: No Debt )
AMSF' s 10-Year Interest Coverage Range
Min: 3.11   Max: 9999.99
Current: No Debt

3.11
9999.99
F-Score: 6
Z-Score: 1.11
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 (%) 17.92
AMSF's Operating margin (%) is ranked higher than
86% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.16 vs. AMSF: 17.92 )
AMSF' s 10-Year Operating margin (%) Range
Min: 2.44   Max: 22.1
Current: 17.92

2.44
22.1
Net-margin (%) 13.31
AMSF's Net-margin (%) is ranked higher than
84% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.15 vs. AMSF: 13.31 )
AMSF' s 10-Year Net-margin (%) Range
Min: 2.15   Max: 16.45
Current: 13.31

2.15
16.45
ROE (%) 11.59
AMSF's ROE (%) is ranked higher than
80% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.05 vs. AMSF: 11.59 )
AMSF' s 10-Year ROE (%) Range
Min: 6.09   Max: 28.97
Current: 11.59

6.09
28.97
ROA (%) 3.51
AMSF's ROA (%) is ranked higher than
81% of the 198 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.87 vs. AMSF: 3.51 )
AMSF' s 10-Year ROA (%) Range
Min: 0.66   Max: 7.72
Current: 3.51

0.66
7.72
ROC (Joel Greenblatt) (%) 895.27
AMSF's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 155 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 210.73 vs. AMSF: 895.27 )
AMSF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 139.84   Max: 1314.87
Current: 895.27

139.84
1314.87
Revenue Growth (%) 13.50
AMSF's Revenue Growth (%) is ranked higher than
86% of the 183 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 (%) 9.50
AMSF's EBITDA Growth (%) is ranked higher than
76% of the 172 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.60 vs. AMSF: 9.50 )
AMSF' s 10-Year EBITDA Growth (%) Range
Min: -64.9   Max: 368.1
Current: 9.5

-64.9
368.1
EPS Growth (%) 8.60
AMSF's EPS Growth (%) is ranked higher than
73% of the 168 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.50 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

Q3 2013

AMSF Guru Trades in Q3 2013

Steven Cohen 848 sh (New)
» More
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
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.50
AMSF's P/E(ttm) is ranked higher than
66% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 12.40 vs. AMSF: 14.50 )
AMSF' s 10-Year P/E(ttm) Range
Min: 1.46   Max: 23.13
Current: 14.5

1.46
23.13
P/B 1.67
AMSF's P/B is ranked higher than
64% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. AMSF: 1.67 )
AMSF' s 10-Year P/B Range
Min: 0.68   Max: 2.24
Current: 1.67

0.68
2.24
P/S 1.94
AMSF's P/S is ranked higher than
58% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.22 vs. AMSF: 1.94 )
AMSF' s 10-Year P/S Range
Min: 0.01   Max: 2.36
Current: 1.94

0.01
2.36
PFCF 5.29
AMSF's PFCF is ranked higher than
88% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.59 vs. AMSF: 5.29 )
AMSF' s 10-Year PFCF Range
Min: 0.02   Max: 23.51
Current: 5.29

0.02
23.51
EV-to-EBIT 9.26
AMSF's EV-to-EBIT is ranked higher than
74% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.33 vs. AMSF: 9.26 )
AMSF' s 10-Year EV-to-EBIT Range
Min: 2.6   Max: 15.1
Current: 9.26

2.6
15.1
Shiller P/E 19.32
AMSF's Shiller P/E is ranked higher than
76% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 20.45 vs. AMSF: 19.32 )
AMSF' s 10-Year Shiller P/E Range
Min: 5.77   Max: 22.1
Current: 19.32

5.77
22.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.10
AMSF's Dividend Yield is ranked lower than
85% of the 159 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.50 vs. AMSF: 1.10 )
AMSF' s 10-Year Dividend Yield Range
Min: 0.23   Max: 1.09
Current: 1.1

0.23
1.09
Dividend Payout 0.15
AMSF's Dividend Payout is ranked higher than
90% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.46 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
83% of the 161 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.22 vs. AMSF: 1.10 )
AMSF' s 10-Year Yield on cost (5-Year) Range
Min: 0.23   Max: 1.09
Current: 1.1

0.23
1.09
Share Buyback Rate 0.60
AMSF's Share Buyback Rate is ranked higher than
79% of the 157 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 1.67
AMSF's Price/Tangible Book is ranked higher than
69% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.47 vs. AMSF: 1.67 )
AMSF' s 10-Year Price/Tangible Book Range
Min: 0.79   Max: 2.11
Current: 1.67

0.79
2.11
Price/DCF (Projected) 0.68
AMSF's Price/DCF (Projected) is ranked higher than
74% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.66 vs. AMSF: 0.68 )
AMSF' s 10-Year Price/DCF (Projected) Range
Min: 0.27   Max: 0.86
Current: 0.68

0.27
0.86
Price/Median PS Value 1.54
AMSF's Price/Median PS Value is ranked higher than
56% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.10 vs. AMSF: 1.54 )
AMSF' s 10-Year Price/Median PS Value Range
Min: 0.01   Max: 1.79
Current: 1.54

0.01
1.79
Price/Graham Number 1.04
AMSF's Price/Graham Number is ranked higher than
68% of the 201 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.89 vs. AMSF: 1.04 )
AMSF' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 1.36
Current: 1.04

0.47
1.36
Earnings Yield (Greenblatt) 10.80
AMSF's Earnings Yield (Greenblatt) is ranked higher than
72% of the 197 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.20 vs. AMSF: 10.80 )
AMSF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.6   Max: 39.1
Current: 10.8

6.6
39.1
Forward Rate of Return (Yacktman) 5.16
AMSF's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 183 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.75 vs. AMSF: 5.16 )
AMSF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -10.4   Max: 577.9
Current: 5.16

-10.4
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 an insurance 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, principally construction, trucking 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, 2012, its insurance was sold through more than 3,200 independent agencies and its wholly-owned insurance agency subsidiary, Amerisafe General Agency, which is licensed in 28 states.
» 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 


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