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AMERISAFESTU:A3I -0.70%71 EV-to-FCF is 25.66 as of Aug. 06, 2026, which is 19% above its 10-year median of 21.51. GuruFocus rates STU:A3I with a GF Score™ of 71/100 and a GF Value™ of €34.00 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 393 Insurance companies, AMERISAFE ranks worse than 83.21% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, AMERISAFE's Enterprise Value is €422.4 Mil.
AMERISAFE's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was €16.5 Mil. Therefore, AMERISAFE's EV-to-FCF for today is 25.66.
The historical rank and industry rank for AMERISAFE's EV-to-FCF or its related term are showing as below:
STU:A3I'
s EV-to-FCF Range Over the Past 10 Years
Min: 7.37 Med: 21.51 Max: 107.09
Current: 25.23
During the past 13 years, the highest EV-to-FCF of AMERISAFE was 107.09. The lowest was 7.37. And the median was 21.51.
STU:A3I's EV-to-FCF is ranked worse than 83.21% of 393
companies
in the Insurance industry
Industry Median: 9.48
vs STU:A3I: 25.23
EV-to-FCF 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-FCF 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 €25.66.
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 €2.132.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
AMERISAFE EV-to-FCF Related Terms
AMERISAFE EV-to-FCF Historical Data
* Premium members only.
The historical data trend for AMERISAFE's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, AMERISAFE's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where AMERISAFE's EV-to-FCF falls into.
AMERISAFE's current Enterprise Value is €422.4 Mil.
AMERISAFE's Free Cash Flow 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 €16.5 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 (STU:A3I) has a EV-to-FCF of 25.66 as of Aug. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AMERISAFE and its competitors. This is 19% above median its historical median of 21.51. Over the past decade, AMERISAFE's EV-to-FCF has ranged from 7.37 to 107.09. According to the industry distribution chart, AMERISAFE ranks #327 out of 393 companies in the Insurance industry, placing it in the top 83.2%.
Is AMERISAFE's EV-to-FCF too high?
AMERISAFE's current EV-to-FCF of 25.66 is 19% above median its 10-year median of 21.51. Over the past 10 years, this metric has ranged from a low of 7.37 to a high of 107.09. The Insurance industry median EV-to-FCF is 9.48. AMERISAFE's value of 25.66 is 170.7% above this industry median. Based on the distribution chart, AMERISAFE ranks #327 out of 393 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AMERISAFE has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AMERISAFE's EV-to-FCF compare to ITIC and TIPT?
According to the Insurance industry distribution chart, AMERISAFE ranks #327 out of 393 companies for EV-to-FCF. This places AMERISAFE in the lower half of its industry. The industry median EV-to-FCF is 9.48. AMERISAFE's value of 25.66 is 170.7% above this benchmark. Historically, AMERISAFE's own EV-to-FCF has ranged from 7.37 to 107.09 over the past decade. While the company's 10-year median is 21.51 vs. the industry median of 9.48, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.48, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMERISAFE's current EV-to-FCF of 25.66 is 170.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on AMERISAFE and its competitors. For the Insurance industry, the median EV-to-FCF is 9.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMERISAFE's current EV-to-FCF is 25.66, which is 19% above median its own 10-year median of 21.51. 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 (STU:A3I) is currently considered Modestly Undervalued. The stock's GF Value™ is €34.00, compared to a current price of €25.66 — trading 24.5% below its estimated fair value. The current EV-to-FCF is 25.66, which is 19% above median its 10-year median of 21.51 and 170.7% above the Insurance industry median of 9.48. AMERISAFE's overall GF Score™ is 71/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For AMERISAFE (STU:A3I), the current EV-to-FCF is 25.66 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 (STU:A3I) Overvalued in 2026?
Based on GuruFocus' analysis, AMERISAFE stock appears to be undervalued.
The current stock price of €25.66 is trading 24.5% below its estimated GF Value™ of €34.00.
GuruFocus considers AMERISAFE to be Modestly Undervalued.
Key valuation signals for STU:A3I:
EV-to-FCF: 25.66 (19% above median its 10-year median of 21.51)
GF Value™: €34.00 vs. price of €25.66 (24.5% below fair value)
Industry Position: 170.7% above the Insurance median (#327 of 393)
No single metric tells the full story. See the STU:A3I 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.
71GF Score
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