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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
AMSF's Cash to Debt is ranked higher than
98% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.58 vs. AMSF: No Debt )
Ranked among companies with meaningful Cash to Debt only.
AMSF' s 10-Year Cash to Debt Range
Min: 0.74  Med: 2.60 Max: No Debt
Current: No Debt
Equity to Asset 0.31
AMSF's Equity to Asset is ranked higher than
61% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.27 vs. AMSF: 0.31 )
Ranked among companies with meaningful Equity to Asset only.
AMSF' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.28 Max: 0.31
Current: 0.31
0.11
0.31
Interest Coverage No Debt
AMSF's Interest Coverage is ranked higher than
96% of the 112 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 36.81 vs. AMSF: No Debt )
Ranked among companies with meaningful Interest Coverage only.
AMSF' s 10-Year Interest Coverage Range
Min: 3.11  Med: 26.22 Max: 9999.99
Current: No Debt
3.11
9999.99
F-Score: 5
WACC vs ROIC
9.82%
18.29%
WACC
ROIC
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 (%) 20.69
AMSF's Operating margin (%) is ranked higher than
80% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.41 vs. AMSF: 20.69 )
Ranked among companies with meaningful Operating margin (%) only.
AMSF' s 10-Year Operating margin (%) Range
Min: 2.44  Med: 14.09 Max: 22.1
Current: 20.69
2.44
22.1
Net-margin (%) 14.62
AMSF's Net-margin (%) is ranked higher than
73% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.74 vs. AMSF: 14.62 )
Ranked among companies with meaningful Net-margin (%) only.
AMSF' s 10-Year Net-margin (%) Range
Min: 2.15  Med: 11.23 Max: 16.45
Current: 14.62
2.15
16.45
ROE (%) 13.20
AMSF's ROE (%) is ranked higher than
68% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.46 vs. AMSF: 13.20 )
Ranked among companies with meaningful ROE (%) only.
AMSF' s 10-Year ROE (%) Range
Min: -9.78  Med: 12.43 Max: 223.56
Current: 13.2
-9.78
223.56
ROA (%) 4.03
AMSF's ROA (%) is ranked higher than
71% of the 129 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 2.85 vs. AMSF: 4.03 )
Ranked among companies with meaningful ROA (%) only.
AMSF' s 10-Year ROA (%) Range
Min: 0.72  Med: 3.26 Max: 4.89
Current: 4.03
0.72
4.89
Revenue Growth (3Y)(%) 12.40
AMSF's Revenue Growth (3Y)(%) is ranked higher than
75% of the 114 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 7.20 vs. AMSF: 12.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
AMSF' s 10-Year Revenue Growth (3Y)(%) Range
Min: -73.9  Med: -4.95 Max: 595.5
Current: 12.4
-73.9
595.5
EBITDA Growth (3Y)(%) 35.50
AMSF's EBITDA Growth (3Y)(%) is ranked higher than
67% of the 87 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 19.30 vs. AMSF: 35.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
AMSF' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -64.9  Med: -13.40 Max: 368.1
Current: 35.5
-64.9
368.1
EPS Growth (3Y)(%) 30.10
AMSF's EPS Growth (3Y)(%) is ranked higher than
63% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.60 vs. AMSF: 30.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
AMSF' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -11.70 Max: 30.1
Current: 30.1
0
30.1
» AMSF's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

AMSF Guru Trades in Q3 2014

Jim Simons 83,300 sh (-13.59%)
» More
Q4 2014

AMSF Guru Trades in Q4 2014

Jim Simons 145,600 sh (+74.79%)
» More
Q1 2015

AMSF Guru Trades in Q1 2015

Paul Tudor Jones 5,218 sh (New)
Jim Simons 102,700 sh (-29.46%)
» More
Q2 2015

AMSF Guru Trades in Q2 2015

Paul Tudor Jones Sold Out
Jim Simons 88,817 sh (-13.52%)
» 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.98
AMSF's P/E(ttm) is ranked lower than
77% of the 111 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. AMSF: 14.98 )
Ranked among companies with meaningful P/E(ttm) only.
AMSF' s 10-Year P/E(ttm) Range
Min: 1.46  Med: 11.24 Max: 23.13
Current: 14.98
1.46
23.13
Forward P/E 18.55
AMSF's Forward P/E is ranked lower than
84% of the 76 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 13.18 vs. AMSF: 18.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 15.80
AMSF's PE(NRI) is ranked lower than
77% of the 110 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 11.90 vs. AMSF: 15.80 )
Ranked among companies with meaningful PE(NRI) only.
AMSF' s 10-Year PE(NRI) Range
Min: 1.14  Med: 11.23 Max: 23.09
Current: 15.8
1.14
23.09
P/B 1.87
AMSF's P/B is ranked lower than
82% of the 127 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.26 vs. AMSF: 1.87 )
Ranked among companies with meaningful P/B only.
AMSF' s 10-Year P/B Range
Min: 0.97  Med: 1.39 Max: 2.24
Current: 1.87
0.97
2.24
P/S 2.19
AMSF's P/S is ranked lower than
83% of the 131 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.08 vs. AMSF: 2.19 )
Ranked among companies with meaningful P/S only.
AMSF' s 10-Year P/S Range
Min: 0.01  Med: 1.38 Max: 2.36
Current: 2.19
0.01
2.36
PFCF 8.50
AMSF's PFCF is ranked higher than
51% of the 82 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 9.07 vs. AMSF: 8.50 )
Ranked among companies with meaningful PFCF only.
AMSF' s 10-Year PFCF Range
Min: 0.02  Med: 5.94 Max: 23.51
Current: 8.5
0.02
23.51
POCF 8.42
AMSF's POCF is ranked higher than
51% of the 98 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.98 vs. AMSF: 8.42 )
Ranked among companies with meaningful POCF only.
AMSF' s 10-Year POCF Range
Min: 0.02  Med: 5.87 Max: 21.77
Current: 8.42
0.02
21.77
EV-to-EBIT 9.78
AMSF's EV-to-EBIT is ranked lower than
65% of the 113 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 8.41 vs. AMSF: 9.78 )
Ranked among companies with meaningful EV-to-EBIT only.
AMSF' s 10-Year EV-to-EBIT Range
Min: 2.6  Med: 7.15 Max: 15.1
Current: 9.78
2.6
15.1
PEG 2.87
AMSF's PEG is ranked lower than
88% of the 52 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.74 vs. AMSF: 2.87 )
Ranked among companies with meaningful PEG only.
AMSF' s 10-Year PEG Range
Min: 0.47  Med: 1.42 Max: 3.03
Current: 2.87
0.47
3.03
Shiller P/E 21.87
AMSF's Shiller P/E is ranked lower than
75% of the 95 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 17.48 vs. AMSF: 21.87 )
Ranked among companies with meaningful Shiller P/E only.
AMSF' s 10-Year Shiller P/E Range
Min: 5.8  Med: 16.62 Max: 23.32
Current: 21.87
5.8
23.32
Days Sales Outstanding 191.65
AMSF's Days Sales Outstanding is ranked lower than
87% of the 78 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 87.94 vs. AMSF: 191.65 )
Ranked among companies with meaningful Days Sales Outstanding only.
AMSF' s 10-Year Days Sales Outstanding Range
Min: 50.8  Med: 187.27 Max: 602.44
Current: 191.65
50.8
602.44

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.14
AMSF's Dividend Yield is ranked lower than
114% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 3.99 vs. AMSF: 1.14 )
Ranked among companies with meaningful Dividend Yield only.
AMSF' s 10-Year Dividend Yield Range
Min: 0.23  Med: 0.95 Max: 1.27
Current: 1.14
0.23
1.27
Dividend Payout 0.17
AMSF's Dividend Payout is ranked higher than
82% of the 130 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.34 vs. AMSF: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
AMSF' s 10-Year Dividend Payout Range
Min: 0.09  Med: 0.17 Max: 0.21
Current: 0.17
0.09
0.21
Yield on cost (5-Year) 1.14
AMSF's Yield on cost (5-Year) is ranked lower than
115% of the 176 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 4.24 vs. AMSF: 1.14 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
AMSF' s 10-Year Yield on cost (5-Year) Range
Min: 0.23  Med: 0.95 Max: 1.27
Current: 1.14
0.23
1.27
Share Buyback Rate -0.40
AMSF's Share Buyback Rate is ranked higher than
52% of the 88 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: -0.60 vs. AMSF: -0.40 )
Ranked among companies with meaningful Share Buyback Rate only.
AMSF' s 10-Year Share Buyback Rate Range
Min: 79.9  Med: -0.20 Max: -360.7
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.89
AMSF's Price/Tangible Book is ranked lower than
73% of the 124 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.41 vs. AMSF: 1.89 )
Ranked among companies with meaningful Price/Tangible Book only.
AMSF' s 10-Year Price/Tangible Book Range
Min: 0.97  Med: 1.41 Max: 2.11
Current: 1.89
0.97
2.11
Price/Projected FCF 0.58
AMSF's Price/Projected FCF is ranked higher than
60% of the 92 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.75 vs. AMSF: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
AMSF' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 0.54 Max: 0.86
Current: 0.58
0.33
0.86
Price/Median PS Value 1.59
AMSF's Price/Median PS Value is ranked lower than
91% of the 126 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 1.05 vs. AMSF: 1.59 )
Ranked among companies with meaningful Price/Median PS Value only.
AMSF' s 10-Year Price/Median PS Value Range
Min: 0.01  Med: 0.97 Max: 1.65
Current: 1.59
0.01
1.65
Price/Peter Lynch Fair Value 0.69
AMSF's Price/Peter Lynch Fair Value is ranked lower than
60% of the 43 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.58 vs. AMSF: 0.69 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
AMSF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.28  Med: 0.49 Max: 2.68
Current: 0.69
0.28
2.68
Price/Graham Number 1.12
AMSF's Price/Graham Number is ranked lower than
78% of the 108 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 0.85 vs. AMSF: 1.12 )
Ranked among companies with meaningful Price/Graham Number only.
AMSF' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 0.91 Max: 1.54
Current: 1.12
0.47
1.54
Earnings Yield (Greenblatt) (%) 10.30
AMSF's Earnings Yield (Greenblatt) (%) is ranked lower than
56% of the 128 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 10.90 vs. AMSF: 10.30 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
AMSF' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 6.6  Med: 13.95 Max: 39.1
Current: 10.3
6.6
39.1
Forward Rate of Return (Yacktman) (%) 31.29
AMSF's Forward Rate of Return (Yacktman) (%) is ranked higher than
70% of the 81 Companies
in the Global Insurance - Property & Casualty industry.

( Industry Median: 16.82 vs. AMSF: 31.29 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
AMSF' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -10.8  Med: 5.40 Max: 591.2
Current: 31.29
-10.8
591.2

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 

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