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AMERISAFESTU:A3I -0.70%71 OCF Margin % is 1.95% as of Jun. 2026, which is 87% below its 10-year median of 15.35. 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 501 Insurance companies, AMERISAFE ranks worse than 63.27% on this metric.
The historical data trend for AMERISAFE's OCF Margin % 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.
STU:A3I vs ITIC, TIPT, MBI: OCF Margin % Comparison
For the Insurance - Specialty subindustry, AMERISAFE's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, AMERISAFE's OCF Margin % distribution charts can be found below:
* The bar in red indicates where AMERISAFE's OCF Margin % falls into.
* 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 OCF Margin % of 1.95% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on AMERISAFE and its competitors. This is 87% below median its historical median of 15.35. Over the past decade, AMERISAFE's OCF Margin % has ranged from 3.49 to 34.86. According to the industry distribution chart, AMERISAFE ranks #317 out of 501 companies in the Insurance industry, placing it in the top 63.3%.
Is AMERISAFE's OCF Margin % too high?
AMERISAFE's current OCF Margin % of 1.95% is 87% below median its 10-year median of 15.35. Over the past 10 years, this metric has ranged from a low of 3.49 to a high of 34.86. The Insurance industry median OCF Margin % is 10.93. AMERISAFE's value of 1.95% is 82.2% below this industry median. Based on the distribution chart, AMERISAFE ranks #317 out of 501 companies in the Insurance industry, which is below the industry midpoint. 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 OCF Margin % compare to ITIC and TIPT?
According to the Insurance industry distribution chart, AMERISAFE ranks #317 out of 501 companies for OCF Margin %. This places AMERISAFE in the lower half of its industry. The industry median OCF Margin % is 10.93. AMERISAFE's value of 1.95% is 82.2% below this benchmark. Historically, AMERISAFE's own OCF Margin % has ranged from 3.49 to 34.86 over the past decade. While the company's 10-year median is 15.35 vs. the industry median of 10.93, AMERISAFE has consistently been below 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.93, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AMERISAFE's current OCF Margin % of 1.95% is 82.2% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on AMERISAFE and its competitors. For the Insurance industry, the median OCF Margin % is 10.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AMERISAFE's current OCF Margin % is 1.95%, which is 87% below median its own 10-year median of 15.35. 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 OCF Margin % is 1.95%, which is 87% below median its 10-year median of 15.35 and 82.2% below the Insurance industry median of 10.93. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For AMERISAFE (STU:A3I), the current OCF Margin % is 1.95% 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 (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:
OCF Margin %: 1.95% (87% below median its 10-year median of 15.35)
GF Value™: €34.00 vs. price of €25.66 (24.5% below fair value)
Industry Position: 82.2% below the Insurance median (#317 of 501)
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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