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AMERISAFEAMSF +0.40%59 EV-to-OCF is 23.88 as of Aug. 06, 2026, which is 16% above its 10-year median of 20.50. GuruFocus rates AMSF with a GF Score™ of 59/100 and a GF Value™ of $39.50 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 503 Insurance companies, AMERISAFE ranks worse than 87.08% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, AMERISAFE's Enterprise Value is $487.1 Mil.
AMERISAFE's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $20.4 Mil. Therefore, AMERISAFE's EV-to-OCF for today is 23.88.
The historical rank and industry rank for AMERISAFE's EV-to-OCF or its related term are showing as below:
AMSF'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.34 Med: 20.5 Max: 93.8
Current: 23.88
During the past 13 years, the highest EV-to-OCF of AMERISAFE was 93.80. The lowest was 7.34. And the median was 20.50.
AMSF's EV-to-OCF is ranked worse than 87.08% of 503
companies
in the Insurance industry
Industry Median: 6.91
vs AMSF: 23.88
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
AMERISAFE's share price for today is $29.81.
AMERISAFE's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.480.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AMERISAFE EV-to-OCF Related Terms
AMERISAFE EV-to-OCF Historical Data
* Premium members only.
The historical data trend for AMERISAFE's EV-to-OCF 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.
For the Insurance - Specialty subindustry, AMERISAFE's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, AMERISAFE's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where AMERISAFE's EV-to-OCF falls into.
AMERISAFE's current Enterprise Value is $487.1 Mil.
AMERISAFE's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $20.4 Mil.
* 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.
AMERISAFE (AMSF) has a EV-to-OCF of 23.88 as of Aug. 06, 2026. This is 16% above median its historical median of 20.50. Over the past decade, AMERISAFE's EV-to-OCF has ranged from 7.34 to 93.80. According to the industry distribution chart, AMERISAFE ranks #438 out of 503 companies in the Insurance industry, placing it in the top 87.1%.
Is AMERISAFE's EV-to-OCF too high?
AMERISAFE's current EV-to-OCF of 23.88 is 16% above median its 10-year median of 20.50. Over the past 10 years, this metric has ranged from a low of 7.34 to a high of 93.80. The Insurance industry median EV-to-OCF is 6.91. AMERISAFE's value of 23.88 is 245.6% above this industry median. Based on the distribution chart, AMERISAFE ranks #438 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AMERISAFE has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AMERISAFE's EV-to-OCF compare to ITIC and TIPT?
According to the Insurance industry distribution chart, AMERISAFE ranks #438 out of 503 companies for EV-to-OCF. This places AMERISAFE in the lower half of its industry. The industry median EV-to-OCF is 6.91. AMERISAFE's value of 23.88 is 245.6% above this benchmark. Historically, AMERISAFE's own EV-to-OCF has ranged from 7.34 to 93.80 over the past decade. While the company's 10-year median is 20.50 vs. the industry median of 6.91, AMERISAFE has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.91, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMERISAFE's current EV-to-OCF of 23.88 is 245.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMERISAFE's current EV-to-OCF is 23.88, which is 16% above median its own 10-year median of 20.50. 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 Modestly Undervalued. The stock's GF Value™ is $39.50, compared to a current price of $29.81 — trading 24.5% below its estimated fair value. The current EV-to-OCF is 23.88, which is 16% above median its 10-year median of 20.50 and 245.6% above the Insurance industry median of 6.91. AMERISAFE's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For AMERISAFE (AMSF), the current EV-to-OCF is 23.88 as of Aug. 06, 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 $29.81 is trading 24.5% below its estimated GF Value™ of $39.50.
GuruFocus considers AMERISAFE to be Modestly Undervalued.
Key valuation signals for AMSF:
EV-to-OCF: 23.88 (16% above median its 10-year median of 20.50)
GF Value™: $39.50 vs. price of $29.81 (24.5% below fair value)
Industry Position: 245.6% above the Insurance median (#438 of 503)
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.
59GF Score
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