Profitability
Weight: 25%
B+
77
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 60.0%
- Loss Ratio Trend -10.15 pp/yr
AMSF
AMERISAFE, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A-
83
- 5yr Avg ROE 19.1%
- 5yr Share-Count CAGR -0.3%
Growth Quality
Weight: 10%
C-
49
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -2.7%
- Loss Ratio Trend (growth quality check) -10.15 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
B
70
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 12.0%
- Loss Ratio Stability (σ) 0.57
Balance Sheet
Weight: 25%
A+
96
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 1.13x
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
B-
65
- EPS Volatility (σ/μ) 0.23
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 added; 1 trimmed.
- Holders
- 2
- Avg Δ position
- -27.0%
- New buys
- 0
- Full exits
- 0