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Upturn AI SWOT - About
AMSF 
AMERISAFE Inc (AMSF)
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Upturn Advisory Summary
09/12/2025: AMSF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $54.33
1 Year Target Price $54.33
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -6.6% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 840.72M USD | Price to earnings Ratio 16.83 | 1Y Target Price 54.33 |
Price to earnings Ratio 16.83 | 1Y Target Price 54.33 | ||
Volume (30-day avg) 3 | Beta 0.36 | 52 Weeks Range 42.12 - 58.38 | Updated Date 09/14/2025 |
52 Weeks Range 42.12 - 58.38 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.38% | Basic EPS (TTM) 2.63 |
Earnings Date
Report Date - | When - | Estimate - | 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 16.83 | Forward PE 22.37 | Enterprise Value 792251164 | Price to Sales(TTM) 2.74 |
Enterprise Value 792251164 | Price to Sales(TTM) 2.74 | ||
Enterprise Value to Revenue 2.59 | Enterprise Value to EBITDA - | Shares Outstanding 18990700 | Shares Floating 18632184 |
Shares Outstanding 18990700 | Shares Floating 18632184 | ||
Percent Insiders 1.74 | Percent Institutions 99.87 |
Upturn AI SWOT
AMERISAFE Inc
Company Overview
History and Background
AMERISAFE Inc. was founded in 1985. It provides workers' compensation insurance focused on high-hazard industries. Throughout its history, AMERISAFE has focused on maintaining disciplined underwriting and loss control strategies.
Core Business Areas
- Workers' Compensation Insurance: Provides workers' compensation insurance coverage to employers in hazardous industries such as construction, trucking, logging, and agriculture.
Leadership and Structure
G. Janelle Frost serves as President and Chief Executive Officer. The company has a typical corporate structure with various departments focusing on underwriting, claims, finance, and operations. The Board of Directors provides oversight.
Top Products and Market Share
Key Offerings
- Workers' Compensation Insurance: AMERISAFE's primary product is workers' compensation insurance policies tailored for high-hazard industries. Market share data is difficult to pinpoint exactly as it varies by industry and geography, but they are a significant player in the high-hazard segment. Competitors include Travelers (TRV), Hartford Financial Services (HIG), and Liberty Mutual.
Market Dynamics
Industry Overview
The workers' compensation insurance industry is competitive and influenced by economic cycles, regulatory changes, and medical cost trends. The high-hazard segment has specific challenges related to safety and risk management.
Positioning
AMERISAFE is a specialist in providing workers' compensation insurance to high-hazard industries. Its competitive advantages include its expertise in risk management, loss control, and claims handling within these industries.
Total Addressable Market (TAM)
The US workers compensation market is estimated to be $60B to $70B annually. AMERISAFE focuses on a niche segment (high hazard), representing a fraction of the overall TAM, but where they have specialized expertise. Their position relative to this subset of the TAM is strong.
Upturn SWOT Analysis
Strengths
- Specialization in high-hazard industries
- Strong underwriting discipline
- Effective loss control programs
- Experienced management team
Weaknesses
- Concentration in high-hazard industries
- Susceptibility to large claims
- Dependence on regulatory environment
- Smaller market share compared to larger, diversified insurers
Opportunities
- Expanding into new high-hazard industries
- Developing new risk management solutions
- Leveraging technology for improved efficiency
- Strategic acquisitions
Threats
- Increased competition
- Economic downturns
- Rising medical costs
- Adverse regulatory changes
Competitors and Market Share
Key Competitors
- TRV
- HIG
- WRB
Competitive Landscape
AMERISAFE benefits from its high-hazard specialization, enabling better risk assessment and loss control than larger, more generalized competitors. However, those competitors have greater financial resources and economies of scale.
Growth Trajectory and Initiatives
Historical Growth: Requires current data and trends from past years.
Future Projections: Requires analyst estimates.
Recent Initiatives: Requires the latest strategic plans and implementations
Summary
AMERISAFE is a niche player focused on workers' compensation for high-hazard industries. Their expertise provides a competitive advantage but exposes them to specific risks. They exhibit strong underwriting discipline, but face pressure from larger, diversified insurers. Successfully navigating regulatory changes and managing medical costs is vital for sustained profitability. Further expansion requires diversifying industries and optimizing technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the 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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