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AMERISAFE Inc (AMSF)



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Upturn Advisory Summary
08/14/2025: AMSF (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $55
1 Year Target Price $55
0 | Strong Buy |
1 | Buy |
2 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.36% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
AMERISAFE Inc

Company Overview
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.
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 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
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
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
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.
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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