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AMSF logo AMSF
Upturn stock ratingUpturn stock rating
AMSF logo

AMERISAFE Inc (AMSF)

Upturn stock ratingUpturn stock rating
$45.73
Last Close (24-hour delay)
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PASS
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  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
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Upturn Advisory Summary

08/14/2025: AMSF (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $55

1 Year Target Price $55

Analysts Price Target For last 52 week
$55 Target price
52w Low $42.48
Current$45.73
52w High $58.89

Analysis of Past Performance

Type Stock
Historic Profit -6.36%
Avg. Invested days 33
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 868.44M USD
Price to earnings Ratio 17.39
1Y Target Price 55
Price to earnings Ratio 17.39
1Y Target Price 55
Volume (30-day avg) 3
Beta 0.38
52 Weeks Range 42.48 - 58.89
Updated Date 08/14/2025
52 Weeks Range 42.48 - 58.89
Updated Date 08/14/2025
Dividends yield (FY) 3.30%
Basic EPS (TTM) 2.63

Earnings Date

Report Date 2025-07-24
When -
Estimate 0.55
Actual 0.53

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 17.39
Forward PE 22.37
Enterprise Value 827004057
Price to Sales(TTM) 2.83
Enterprise Value 827004057
Price to Sales(TTM) 2.83
Enterprise Value to Revenue 2.7
Enterprise Value to EBITDA -
Shares Outstanding 18990700
Shares Floating 18635030
Shares Outstanding 18990700
Shares Floating 18635030
Percent Insiders 1.72
Percent Institutions 98.09

ai summary icon Upturn AI SWOT

AMERISAFE Inc

stock logo

Company Overview

overview logo History and Background

AMERISAFE, Inc. was founded in 1985 and is headquartered in DeRidder, Louisiana. It focuses on providing workers' compensation insurance to small and mid-sized employers in hazardous industries.

business area logo Core Business Areas

  • Workers' Compensation Insurance: Provides workers' compensation insurance coverage to employers operating in hazardous industries such as construction, trucking, manufacturing, and oil and gas.

leadership logo Leadership and Structure

G. Janelle Frost is the Chief Executive Officer. The company operates with a standard corporate structure, including a board of directors and various executive leadership positions overseeing underwriting, claims, and investments.

Top Products and Market Share

overview logo Key Offerings

  • Workers' Compensation Insurance: AMERISAFE's primary product is workers' compensation insurance for high-hazard industries. Market share data is fragmented across different industry segments, but AMERISAFE is a niche player. Competitors include major national and regional insurance carriers like Travelers (TRV), Hartford Financial Services (HIG), and Liberty Mutual.

Market Dynamics

industry overview logo Industry Overview

The workers' compensation insurance industry is mature and highly competitive, with numerous national, regional, and specialty insurers. The industry is affected by economic cycles, regulatory changes, and advancements in workplace safety.

Positioning

AMERISAFE specializes in high-hazard industries, allowing it to command premium rates commensurate with the elevated risk. It maintains a strong focus on loss control and claims management.

Total Addressable Market (TAM)

The total US workers' compensation market is estimated at over $50 billion annually. AMERISAFE, with revenues in the hundreds of millions, holds a small but focused portion of the TAM, emphasizing higher-risk segments.

Upturn SWOT Analysis

Strengths

  • Specialization in high-hazard industries
  • Strong underwriting expertise
  • Effective loss control programs
  • Disciplined claims management

Weaknesses

  • Concentration risk in specific industries
  • Susceptibility to large claims events
  • Smaller size compared to major competitors
  • Geographic concentration

Opportunities

  • Expansion into new geographic markets
  • Development of new insurance products
  • Increased adoption of technology for risk assessment
  • Strategic acquisitions

Threats

  • Economic downturns affecting high-hazard industries
  • Increased competition from larger insurers
  • Changes in workers' compensation regulations
  • Catastrophic events leading to significant claims

Competitors and Market Share

competitor logo Key Competitors

  • TRV
  • HIG
  • CINF
  • WTM

Competitive Landscape

AMERISAFE's specialization in high-hazard industries provides a competitive advantage, but it faces intense competition from larger, more diversified insurance companies. Its smaller size can limit its ability to compete on price.

Growth Trajectory and Initiatives

Historical Growth: Historical Growth are best obtained in real time for accuracy, from financial sources.

Future Projections: Future Projections are best obtained in real time for accuracy, from financial sources.

Recent Initiatives: Recent Initiatives include focusing on operational efficiencies and technology upgrades to improve risk assessment and claims processing.

Summary

AMERISAFE is a niche player in the workers' compensation insurance market, specializing in high-hazard industries. Its focus on loss control and claims management contributes to profitability. However, its concentration risk and smaller size compared to competitors present challenges. Recent initiatives target operational efficiencies.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings, Industry reports, Financial news sources.

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary based on source.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 362

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.