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AMERISAFEAMSF +1.29%55 Intrinsic Value: Projected FCF is $24.61 as of Aug. 24, 2026, which is 2575% above its 10-year median of 0.92. 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 396 Insurance companies, AMERISAFE ranks worse than 68.18% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-24), AMERISAFE's Intrinsic Value: Projected FCF is $24.61. The stock price of AMERISAFE is $25.99. Therefore, AMERISAFE's Price-to-Intrinsic-Value-Projected-FCF of today is 1.1.
The historical rank and industry rank for AMERISAFE's Intrinsic Value: Projected FCF or its related term are showing as below:
AMSF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.76 Med: 0.92 Max: 1.69
Current: 1.06
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of AMERISAFE was 1.69. The lowest was 0.76. And the median was 0.92.
AMSF's Price-to-Projected-FCF is ranked worse than 68.18% of 396
companies
in the Insurance industry
Industry Median: 0.74
vs AMSF: 1.06
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
AMERISAFE's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
25.99
/
24.613347091023
=
1.06
* 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 Intrinsic Value: Projected FCF Related Terms
AMERISAFE Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for AMERISAFE's Intrinsic Value: Projected 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.
AMSF vs ITIC, TIPT, MBI: Intrinsic Value: Projected FCF Comparison
For the Insurance - Specialty subindustry, AMERISAFE's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, AMERISAFE's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where AMERISAFE's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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 Intrinsic Value: Projected FCF of $24.61 mean?
AMERISAFE (AMSF) has a Intrinsic Value: Projected FCF of $24.61 as of Aug. 24, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AMERISAFE and its competitors. This is 2575% above median its historical median of 0.92. Over the past decade, AMERISAFE's Intrinsic Value: Projected FCF has ranged from 0.76 to 1.69. According to the industry distribution chart, AMERISAFE ranks #270 out of 396 companies in the Insurance industry, placing it in the top 68.2%.
Is AMERISAFE's Intrinsic Value: Projected FCF too high?
AMERISAFE's current Intrinsic Value: Projected FCF of $24.61 is 2575% above median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.69. The Insurance industry median Intrinsic Value: Projected FCF is 0.74. AMERISAFE's value of $24.61 is 3225.7% above this industry median. Based on the distribution chart, AMERISAFE ranks #270 out of 396 companies in the Insurance industry, which is below the industry midpoint. 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 Intrinsic Value: Projected FCF compare to ITIC and TIPT?
According to the Insurance industry distribution chart, AMERISAFE ranks #270 out of 396 companies for Intrinsic Value: Projected FCF. This places AMERISAFE in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.74. AMERISAFE's value of $24.61 is 3225.7% above this benchmark. Historically, AMERISAFE's own Intrinsic Value: Projected FCF has ranged from 0.76 to 1.69 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 0.74, 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 Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.74, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMERISAFE's current Intrinsic Value: Projected FCF of $24.61 is 3225.7% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on AMERISAFE and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMERISAFE's current Intrinsic Value: Projected FCF is $24.61, which is 2575% above median its own 10-year median of 0.92. 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 $25.99 — trading 34.4% below its estimated fair value. The current Intrinsic Value: Projected FCF is $24.61, which is 2575% above median its 10-year median of 0.92 and 3225.7% above the Insurance industry median of 0.74. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For AMERISAFE (AMSF), the current Intrinsic Value: Projected FCF is $24.61 as of Aug. 24, 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 $25.99 is trading 34.4% below its estimated GF Value™ of $39.63.
GuruFocus considers AMERISAFE to be Possible Value Trap.
Key valuation signals for AMSF:
Intrinsic Value: Projected FCF: $24.61 (2575% above median its 10-year median of 0.92)
GF Value™: $39.63 vs. price of $25.99 (34.4% below fair value)
Industry Position: 3225.7% above the Insurance median (#270 of 396)
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
Get the complete analysis for AMSF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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