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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
AMERISAFE has the Financial Strength Rank of 8. It shows strong financial strength and is unlikely to fall into distressed situations.
Good Sign:
AMERISAFE Inc shows strong financial strength.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
AMERISAFE has no long-term debt (1).
AMERISAFE's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.00.
Altman Z-Score does not apply to banks and insurance companies.
(1) Note: An indication of "no long-term debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
AMERISAFE has the Financial Strength Rank of 8. It shows strong financial strength and is unlikely to fall into distressed situations.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 8 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on AMERISAFE and its competitors. This is near median its historical median of 8.00. Over the past decade, AMERISAFE's Financial Strength has ranged from 6.00 to 9.00.
Is AMERISAFE's Financial Strength too high?
AMERISAFE's current Financial Strength of 8 is near median its 10-year median of 8.00. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 9.00. 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 Financial Strength compare to ITIC and TIPT?
AMERISAFE's Financial Strength of 8 can be compared against companies in the Insurance industry. Historically, AMERISAFE's own Financial Strength has ranged from 6.00 to 9.00 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 Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on AMERISAFE and its competitors. AMERISAFE's current Financial Strength is 8, which is near median its own 10-year median of 8.00. 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 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 Financial Strength is 8, which is near median its 10-year median of 8.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For AMERISAFE (AMSF), the current Financial Strength is 8 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 $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:
Financial Strength: 8 (near median its 10-year median of 8.00)
GF Value™: $39.50 vs. price of $29.81 (24.5% 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.
59GF Score
Get the complete analysis for AMSF
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