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AMERISAFEAMSF +1.64%55 Cash-to-Debt is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 10,000.00. GuruFocus rates AMSF with a GF Score™ of 55/100 and a GF Value™ of $39.63 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 491 Insurance companies, AMERISAFE ranks better than 99.39% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. AMERISAFE's cash to debt ratio for the quarter that ended in Jun. 2026 was No Debt (1).
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, AMERISAFEcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
(1) Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for AMERISAFE's Cash-to-Debt or its related term are showing as below:
AMSF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 55.48 Med: No Debt Max: No Debt
Current: No Debt
During the past 13 years, AMERISAFE's highest Cash to Debt Ratio was No Debt. The lowest was 55.48. And the median was No Debt.
AMSF's Cash-to-Debt is ranked better than 99.39% of 491
companies
in the Insurance industry
Industry Median: 2.05
vs AMSF: No Debt
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
AMERISAFE Cash-to-Debt Related Terms
AMERISAFE Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for AMERISAFE's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Specialty subindustry, AMERISAFE's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AMERISAFE Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, AMERISAFE's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where AMERISAFE's Cash-to-Debt falls into.
AMERISAFE's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
AMERISAFE had no debt (1).
AMERISAFE's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:
AMERISAFE had no debt (1).
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash-to-Debt of No Debt <sup>(1)</sup> mean?
AMERISAFE (AMSF) has a Cash-to-Debt of No Debt (1) as of Jun. 2026. This is 100% below median its historical median of 10,000.00. Over the past decade, AMERISAFE's Cash-to-Debt has ranged from 55.48 to 10,000.00. According to the industry distribution chart, AMERISAFE ranks #3 out of 491 companies in the Insurance industry, placing it in the top 0.59999999999999%.
Is AMERISAFE's Cash-to-Debt too high?
AMERISAFE's current Cash-to-Debt of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 55.48 to a high of 10,000.00. Based on the distribution chart, AMERISAFE ranks #3 out of 491 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, AMERISAFE has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AMERISAFE's Cash-to-Debt compare to ITIC and TIPT?
According to the Insurance industry distribution chart, AMERISAFE ranks #3 out of 491 companies for Cash-to-Debt. This places AMERISAFE in the top 1% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 2.05. Historically, AMERISAFE's own Cash-to-Debt has ranged from 55.48 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.05, based on 491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMERISAFE's current Cash-to-Debt is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AMERISAFE stock overvalued right now?
Based on GuruFocus' analysis, AMERISAFE (AMSF) is currently considered Possible Value Trap. The stock's GF Value™ is $39.63, compared to a current price of $26.42 — trading 33.3% below its estimated fair value. The current Cash-to-Debt is No Debt (1), which is 100% below median its 10-year median of 10,000.00. AMERISAFE's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For AMERISAFE (AMSF), the current Cash-to-Debt is No Debt (1) as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AMERISAFE (AMSF) Overvalued in 2026?
Based on GuruFocus' analysis, AMERISAFE stock appears to be undervalued.
The current stock price of $26.42 is trading 33.3% below its estimated GF Value™ of $39.63.
GuruFocus considers AMERISAFE to be Possible Value Trap.
Key valuation signals for AMSF:
Cash-to-Debt: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: $39.63 vs. price of $26.42 (33.3% below fair value)
No single metric tells the full story. See the AMSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AMERISAFE Inc is a specialty provider of workers' compensation insurance focused on small to mid-sized employers engaged in hazardous industries, principally construction, trucking, logging and lumber, agriculture, manufacturing, maritime, and telecommunications. The company generates a majority of its revenue in the form of premiums. The Company operates as a single reportable segment, Insurance Operations.
55GF Score
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