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Upturn AI SWOT - About
AMSF 
AMERISAFE Inc (AMSF)
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Upturn Advisory Summary
10/15/2025: AMSF (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $52.67
1 Year Target Price $52.67
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.22% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 800.46M USD | Price to earnings Ratio 16.03 | 1Y Target Price 52.67 |
Price to earnings Ratio 16.03 | 1Y Target Price 52.67 | ||
Volume (30-day avg) 3 | Beta 0.3 | 52 Weeks Range 40.17 - 58.38 | Updated Date 10/14/2025 |
52 Weeks Range 40.17 - 58.38 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.68% | Basic EPS (TTM) 2.63 |
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate 0.55 | Actual - |
Profitability
Profit Margin 16.45% | Operating Margin (TTM) 21.52% |
Management Effectiveness
Return on Assets (TTM) 3.31% | Return on Equity (TTM) 17.8% |
Valuation
Trailing PE 16.03 | Forward PE 22.37 | Enterprise Value 768133036 | Price to Sales(TTM) 2.61 |
Enterprise Value 768133036 | Price to Sales(TTM) 2.61 | ||
Enterprise Value to Revenue 2.51 | Enterprise Value to EBITDA - | Shares Outstanding 18990652 | Shares Floating 18632184 |
Shares Outstanding 18990652 | Shares Floating 18632184 | ||
Percent Insiders 1.74 | Percent Institutions 99.27 |
Upturn AI SWOT
AMERISAFE Inc
Company Overview
History and Background
AMERISAFE, Inc. (AMSF) was founded in 1985. It focuses on providing workers' compensation insurance for employers in hazardous industries.
Core Business Areas
- Workers' Compensation Insurance: Provides workers' compensation insurance to employers in high-hazard industries, covering medical expenses and lost wages for employees injured on the job.
Leadership and Structure
Janelle Frost serves as the President and CEO. The company operates with a traditional corporate structure, with various departments overseeing underwriting, claims, and investments.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance: AMERISAFE's primary product is workers' compensation insurance for high-hazard industries. Market share information is generally unavailable on a per-company basis for this specific segment, but the overall workers' compensation market is highly fragmented. Competitors include Travelers, Hartford, and Liberty Mutual.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is influenced by factors such as employment rates, workplace safety regulations, and healthcare costs.
Positioning
AMERISAFE specializes in high-hazard industries, allowing them to develop expertise in risk management and pricing for these sectors. This specialization provides a competitive advantage.
Total Addressable Market (TAM)
The total US workers' compensation market is estimated to be substantial, in the tens of billions of dollars annually. AMERISAFE's positioning within the high-hazard segment allows them to capture a niche market share within this larger TAM.
Upturn SWOT Analysis
Strengths
- Specialization in high-hazard industries
- Expertise in risk management for targeted industries
- Strong underwriting discipline
- Effective claims management
Weaknesses
- Concentration risk in specific industries
- Susceptibility to economic downturns in those industries
- Smaller scale compared to larger, diversified insurers
Opportunities
- Expansion into new high-hazard industries
- Development of value-added services for clients
- Technological advancements in risk assessment and claims processing
Threats
- Increased competition from other insurers
- Changes in workplace safety regulations
- Rising healthcare costs
- Economic recession
Competitors and Market Share
Key Competitors
- Travelers (TRV)
- Hartford Financial Services (HIG)
- W. R. Berkley Corporation (WRB)
Competitive Landscape
AMERISAFE's specialization in high-hazard industries provides a competitive edge, but it faces competition from larger, diversified insurers with greater resources.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth analysis needs to be updated periodically from data sources.
Future Projections: Future Projections analysis needs to be updated periodically from data sources.
Recent Initiatives: Recent Initiatives analysis needs to be updated periodically from data sources.
Summary
AMERISAFE is a niche player specializing in workers' compensation insurance for high-hazard industries. Its expertise in this segment is a key strength, but it also faces concentration risk and competition from larger companies. The company's future success depends on its ability to manage risk effectively, expand into new markets, and leverage technology to improve its operations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About AMERISAFE Inc
Exchange NASDAQ | Headquaters Deridder, LA, United States | ||
IPO Launch date 2005-11-18 | President, CEO & Director Ms. Gerry Janelle Frost | ||
Sector Financial Services | Industry Insurance - Specialty | Full time employees 362 | Website https://www.amerisafe.com |
Full time employees 362 | Website https://www.amerisafe.com | ||
AMERISAFE, Inc., an insurance holding company, underwrites workers' compensation insurance in the United States. The company provides benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. It sells its products through retail and wholesale brokers and agents; and small and mid-sized employers engaged in hazardous industries, including construction, trucking, logging and lumber, agriculture, manufacturing, telecommunications, and maritime. AMERISAFE, Inc. was incorporated in 1985 and is based in Deridder, Louisiana.
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