AMERISAFE, Inc. logo AMSF - AMERISAFE, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 3
HOLD 3
SELL 0
STRONG
SELL
0
| PRICE TARGET: $44.50 DETAILS
HIGH: $55.00
LOW: $34.00
MEDIAN: $44.50
CONSENSUS: $44.50
UPSIDE: 43.32%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2000 1995
Revenue
Revenue 317.3 309.1 306.9 294.7 316.0 339.5 370.4 377.8 375.2 396.7 401.6 404.0 356.3 321.2 280.7 248.2 282.2 302.4 338.3 332.7 276.3 249.0 190.7 173.9 198.2 58.2
Cost of Revenue 169.9 181.0 0 152.3 160.8 0 201.4 231.1 234.1 225.3 242.1 272.8 39.3 242.0 208.2 173.7 163.3 35.3 224.8 52.3 253.3 217.3 129.2 121.1 109.5 13.5
Gross Profit 147.3 128.1 306.9 142.4 155.2 339.5 169.0 146.7 141.1 171.4 159.5 131.2 317.0 79.2 72.5 74.4 118.9 267.0 113.5 280.5 23.0 31.6 61.5 52.8 88.7 44.7
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 0 31.5 27.4 26.5 26.0 27.9 27.1 26.0 25.6 24.9 24.4 24.5 23.4 20.8 19.9 21.4 39.9 35.3 39.2 17.2 14.2 15.0 0 0 0 6.8
Other Expenses 88.5 27.5 202.2 48.2 49.8 204.7 26.4 33.1 33.2 33.7 34.1 33.0 274.3 21.2 25.2 8.8 16.7 197.3 3.2 17.2 2.8 2.9 50.0 49.1 67.7 0.8
Operating Expenses 88.5 59.0 229.5 74.7 75.8 232.6 53.5 59.1 58.8 58.6 58.6 57.5 297.1 42.1 45.1 30.2 56.5 238.3 42.4 280.3 17.0 17.9 50.0 49.1 67.7 7.6
Operating Income
Operating Income 58.9 69.1 77.4 67.6 79.4 106.9 115.5 87.6 82.2 112.8 101.0 73.7 59.2 37.1 27.4 44.2 62.4 83.8 71.1 52.4 6.0 13.7 11.4 3.7 21.0 37.1
Interest Expense 0 0 0 0 0 0 0 0 0 0 0 0 0.6 0.6 1.3 1.5 1.8 2.5 3.5 3.5 2.8 1.8 0.2 0.5 0.8 0.8
Interest Income 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Profitability
EBITDA 59.6 70.1 0 69.0 80.5 106.9 116.5 88.6 83.2 114.0 102.3 75.0 60.5 38.8 29.7 46.8 65.3 67.7 76.4 60.2 13.3 18.9 13.7 4.2 21.8 (0.2)
EBIT 58.9 69.1 (1.4) 67.6 79.4 106.9 115.5 87.6 82.2 112.8 101.0 73.7 59.2 37.7 28.7 45.8 64.2 66.5 74.6 55.9 8.8 15.5 11.6 4.2 21.8 0.8
Income Before Tax 58.9 69.1 77.4 67.6 79.4 106.9 115.5 87.6 82.2 112.8 101.0 73.7 59.2 37.1 27.4 44.2 62.4 64.1 71.1 52.4 6.0 13.7 11.4 3.7 21.0 14.5
Income Tax Expense 11.7 13.6 15.3 12.0 13.7 20.3 22.8 15.9 36.0 35.0 30.5 20.1 15.6 7.8 3.2 9.7 15.9 20.2 20.9 15.1 0.1 3.1 2.8 (1.4) 0 5.2
Net Income 47.1 55.4 62.1 55.6 65.8 86.6 92.7 71.6 46.2 77.9 70.5 53.7 43.6 29.4 24.2 34.5 46.4 43.8 50.2 37.4 5.9 10.6 8.6 5.2 14.0 9.3
Per Share Data
EPS (Basic) 2.48 2.91 3.24 2.89 3.40 4.49 4.82 3.73 2.41 4.08 3.72 2.88 2.37 1.62 1.32 1.85 2.27 2.19 2.52 1.88 -1.25 2.42 -8.55 -14.25 19.34 0.42
EPS (Diluted) 2.47 2.89 3.23 2.88 3.39 4.47 4.80 3.71 2.40 4.05 3.69 2.84 2.32 1.58 1.29 1.81 2.22 2.15 2.47 1.88 -1.25 2.14 -8.55 -23.72 19.34 0.42
Shares Outstanding 19.0 19.1 19.1 19.2 19.3 19.3 19.2 19.2 19.2 19.1 18.9 18.6 18.4 18.2 18.2 18.6 18.9 18.8 18.8 17.6 2.1 0.2 0.2 0.3 0.3 22.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2000 1995
Current Assets
Cash & Cash Equivalents 61.9 44.0 38.7 61.5 70.7 61.8 43.8 40.3 55.6 58.9 63.2 95.3 25.4 49.8 44.7 44.9 0
Short-Term Investments 87.4 86.5 94.7 335.2 399.2 0 0 0 0 0 0 0 0 0 0 0 71.5
Net Receivables 279.1 269.2 272.9 257.3 270.2 156.8 158.0 162.5 174.2 183.0 233.4 224.3 0 330.6 214.3 327.2 10.8
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 397.9 345.2 365.6 432.4 457.8 365.3 326.8 343.0 0 0 0 0
Total Current Assets 428.5 399.7 406.3 654.0 740.1 218.5 201.8 202.8 229.8 241.9 296.6 319.6 343.0 380.4 259.0 372.1 82.3
Non-Current Assets
Property, Plant & Equipment 7.3 5.9 6.3 7.2 6.7 6.5 6.8 6.3 6.1 6.6 5.4 5.5 7.1 6 0 0 5.9
Goodwill 0 0 0 0 0 1,063.8 0 1,090.2 0 0 0 0 0 0 0 0 0
Intangible Assets 21.1 19.2 18.0 17.4 17.1 0 0 0 0 0 0 0 0 0 0 0 0
Long-Term Investments 647.4 702.3 763.0 553.7 613.4 1,088.7 1,125.0 1,125.5 1,130.3 1,084.5 737.3 704.7 0 255.4 0 0 71.5
Other Non-Current Assets 8.7 11.3 15.1 14.1 11.2 37.6 45.9 47.5 42.6 68.3 51.0 44.4 388.5 (261.4) 0 0 (77.4)
Total Non-Current Assets 702.1 758.1 822.9 615.3 662.6 1,166.1 1,213.4 1,218.0 1,204.9 1,201.9 833.8 801.6 421.7 261.4 0 0 77.4
Total Assets 1,130.5 1,157.8 1,229.2 1,269.3 1,402.7 1,384.6 1,415.2 1,420.9 1,434.7 1,443.9 1,130.4 1,121.2 764.6 678.6 603.8 685.3 120.4
Current Liabilities
Account Payables 0 0 0 38.1 37.9 0 40.1 38.6 37.1 0.0 24.3 29.0 18.7 18.9 0 0 0
Short-Term Debt 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 135.5 121.9 116.6 115.0 121.1 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 565.2 558.8 571.1 594.8 642.4 (0.4) (26.2) (31.7) (41.4) (45.3) (27.3) (31.8) (19.6) (19.4) 0 0 0
Total Current Liabilities 700.7 680.8 687.7 747.8 801.3 0 0 0 0 0 0 0 0 0 0 0 0
Non-Current Liabilities
Long-Term Debt 0 0 0 0 0 0 0 0 0 0 36.1 36.1 36.1 16.3 8 9.5 10.1
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 178.2 219.7 249.0 204.0 202.1 0 0 0 0 0 (36.1) (36.1) (36.1) (16.3) (8) (9.5) (10.1)
Total Non-Current Liabilities 178.2 219.7 249.0 204.0 202.1 0 0 0 0 0 0 0 0 0 0 0 0
Total Liabilities 878.9 900.5 936.7 951.8 1,003.4 1,032.0 1,062.7 1,106.2 1,092.8 1,062.7 816.4 854.6 797.0 699.3 628.9 712.2 88.3
Stockholders' Equity
Common Stock 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.2 0.0 0.0 0 0 0
Retained Earnings 82.8 84.1 114.3 145.5 190.5 224.6 227.2 221.3 233.9 270.4 122.6 77.1 (51.7) (52.5) 0 0 30.4
Accumulated Other Comprehensive Income (3.2) (8.9) (7.2) (13.8) 13.5 21.0 12.2 (0.8) 3.6 (0.5) 2.7 0.8 7.1 7.2 0 0 0
Total Stockholders' Equity 251.6 257.3 292.5 317.4 399.3 438.8 430.2 409.8 425.4 456.1 302.4 253.3 (42.9) (20.7) (25.1) (26.9) 32.1
Total Liabilities & Equity 1,130.5 1,157.8 1,229.2 1,269.3 1,402.7 1,470.9 1,492.9 1,515.9 1,518.2 1,518.9 1,118.8 1,107.8 754.2 678.6 603.8 685.3 120.4
Debt Metrics
Total Debt 0 0 0 0 0 0 0 0 0 0 36.1 36.1 36.1 16.3 8 9.5 10.1
Net Debt (61.9) (44.0) (38.7) (61.5) (70.7) (61.8) (43.8) (40.3) (55.6) (58.9) (27.1) (59.2) 10.7 (33.5) (36.7) (35.4) 10.1
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 1995
Operating Activities
Net Income 47.1 55.4 62.1 55.6 65.8 86.6 92.7 71.6 46.2 77.9 5.9 10.6 8.6 9.3
Depreciation & Amortization 0.7 1.1 1.4 1.3 1.0 1.0 0.9 1.0 1.0 1.2 2.2 3.4 2.0 (1)
Stock-Based Compensation 2.9 2.9 1.6 2.5 2.3 3.3 2.4 2.1 2.0 1.6 0.1 0 0 0
Change in Working Capital (33.9) (29.3) (31.0) (41.5) (27.1) (32.0) (22.0) 10.6 54.1 19.1 305.4 81.0 41.0 7.2
Other Non-Cash Items (6.2) (7.3) (4.8) 11.4 (5.2) 2.9 4.0 14.4 14.7 16.8 (165.1) (0.2) 0.7 13.5
Operating Cash Flow 11.1 24.2 29.8 28.2 38.0 63.4 78.8 98.3 130.8 114.2 142.0 91.9 50.4 29.1
Investing Activities
Capital Expenditure (2.1) (0.8) (0.6) (2.1) (1.3) (0.9) (1.0) (1.1) (0.5) (1.6) (1.4) (2.8) (0.6) (2.5)
Acquisitions 0 0 (44.4) (85.0) 0.0 (104.6) (159.7) (100.1) (78.9) (177.2) 0 0 0 0
Purchases of Investments (67) (110.7) (133.7) (215.5) (271.2) (320.9) (345.9) (368.3) (401.8) (354.6) (296.2) (145.3) (90.7) (30.6)
Sales/Maturities of Investments 72.6 112.8 178.1 293.0 343.4 365.2 358.6 340.3 350.7 305.8 126.3 39.1 37.7 10.2
Other Investing Activities 65.0 71.1 44.4 85.0 0 104.6 159.7 100.1 78.9 177.2 0.0 0.0 0.0 (0.4)
Investing Cash Flow 68.4 72.4 43.9 75.4 71.0 43.4 11.7 (29.1) (51.5) (50.5) (171.3) (109.0) (53.6) (23.3)
Financing Activities
Net Debt Issuance (0.1) (0.1) (0.1) (0.1) (0.0) (0.1) (0.0) 0 0 0 0 19.8 8.3 0
Stock Repurchased (12.1) (5.7) (2.2) (12.4) 0 0 (0.0) 0 0 0 (10.2) (27.2) 0 0
Dividends Paid (48.6) (85.4) (93.3) (100.4) (99.9) (88.8) (87.0) (84.5) (82.6) (76.1) (8.6) 0 0 0
Other Financing Activities (0.8) (0.6) (0.9) 0 0 0 0.0 0.1 0 1.8 (10.1) 0 0 (0.9)
Financing Cash Flow (61.6) (91.2) (96.5) (112.9) (100.0) (88.8) (87.0) (84.4) (82.6) (74.3) 53.1 (7.4) 8.3 (0.9)
Cash Position
Net Change in Cash 17.9 5.4 (22.8) (9.3) 9.0 17.9 3.5 (15.2) (3.4) (10.5) 23.9 (24.4) 5.1 (0.9)
Cash at Beginning 44.0 38.7 61.5 70.7 61.8 43.8 40.3 55.6 58.9 69.5 25.4 49.8 44.7 5.3
Cash at End 61.9 44.0 38.7 61.5 70.7 61.8 43.8 40.3 55.6 58.9 49.3 25.4 49.8 4.4
Free Cash Flow 8.9 23.4 29.3 26.1 36.7 62.5 77.8 97.1 130.3 112.6 140.6 89.2 49.8 26.6
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2000 1995
Income Statement
Revenue 317.3 309.1 306.9 294.7 316.0 339.5 370.4 377.8 375.2 396.7 401.6 404.0 356.3 321.2 280.7 248.2 282.2 302.4 338.3 332.7 276.3 249.0 190.7 173.9 198.2 58.2
Gross Profit 147.3 128.1 306.9 142.4 155.2 339.5 169.0 146.7 141.1 171.4 159.5 131.2 317.0 79.2 72.5 74.4 118.9 267.0 113.5 280.5 23.0 31.6 61.5 52.8 88.7 44.7
Operating Income 58.9 69.1 77.4 67.6 79.4 106.9 115.5 87.6 82.2 112.8 101.0 73.7 59.2 37.1 27.4 44.2 62.4 83.8 71.1 52.4 6.0 13.7 11.4 3.7 21.0 37.1
Net Income 47.1 55.4 62.1 55.6 65.8 86.6 92.7 71.6 46.2 77.9 70.5 53.7 43.6 29.4 24.2 34.5 46.4 43.8 50.2 37.4 5.9 10.6 8.6 5.2 14.0 9.3
EPS (Diluted) 2.47 2.89 3.23 2.88 3.39 4.47 4.80 3.71 2.40 4.05 3.69 2.84 2.32 1.58 1.29 1.81 2.22 2.15 2.47 1.88 -1.25 2.14 -8.55 -23.72 19.34 0.42
Balance Sheet
Cash & Equivalents 61.9 44.0 38.7 61.5 70.7 61.8 43.8 40.3 55.6 58.9 63.2 95.3 25.4 49.8 44.7 44.9 0
Total Assets 1,130.5 1,157.8 1,229.2 1,269.3 1,402.7 1,384.6 1,415.2 1,420.9 1,434.7 1,443.9 1,130.4 1,121.2 764.6 678.6 603.8 685.3 120.4
Total Debt 0 0 0 0 0 0 0 0 0 0 36.1 36.1 36.1 16.3 8 9.5 10.1
Stockholders' Equity 251.6 257.3 292.5 317.4 399.3 438.8 430.2 409.8 425.4 456.1 302.4 253.3 (42.9) (20.7) (25.1) (26.9) 32.1
Cash Flow
Operating Cash Flow 11.1 24.2 29.8 28.2 38.0 63.4 78.8 98.3 130.8 114.2 142.0 91.9 50.4 29.1
Capital Expenditure (2.1) (0.8) (0.6) (2.1) (1.3) (0.9) (1.0) (1.1) (0.5) (1.6) (1.4) (2.8) (0.6) (2.5)
Free Cash Flow 8.9 23.4 29.3 26.1 36.7 62.5 77.8 97.1 130.3 112.6 140.6 89.2 49.8 26.6