AMERISAFE/$AMSF
AMERISAFE shares fall after Q3 results missed revenue and earnings expectations, with diluted EPS down 46% year on year as a more competitive workers’ compensation market, softer audit premiums and higher expenses pressured results.
7 hours agoLightyear AI
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About AMERISAFE
AMERISAFE Inc is a specialty provider of workers' compensation insurance focused on small to mid-sized employers engaged in hazardous industries, principally construction, trucking, logging and lumber, agriculture, manufacturing, maritime, and telecommunications. The company generates a majority of its revenue in the form of premiums. The Company operates as a single reportable segment, Insurance Operations.
- Ticker
- $AMSF
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 366
- Headquarters
- Deridder, United States
- Website
- www.amerisafe.com
AMERISAFE Metrics
BasicAdvanced
$469M
10.20
$2.48
0.26
$2.62
6.48%
Price and volume
Market cap
$469M
Beta
0.26
52-week high
$42.10
52-week low
$23.20
Average daily volume
510K
Dividend rate
$2.62
Financial strength
Current ratio
2.042
Quick ratio
1.665
Dividend payout ratio (TTM)
64.07%
Profitability
EBITDA (TTM)
59.283
Gross margin (TTM)
27.68%
Net profit margin (TTM)
14.00%
Operating margin (TTM)
17.46%
Effective tax rate (TTM)
19.83%
Revenue per employee (TTM)
$920,000
Management effectiveness
Return on assets (TTM)
3.21%
Return on equity (TTM)
18.23%
Valuation
Price to earnings (TTM)
10.199
Price to revenue (TTM)
1.417
Price to book
1.87
Price to tangible book (TTM)
1.88
Price to free cash flow (TTM)
24.63
Free cash flow yield (TTM)
4.06%
Free cash flow per share (TTM)
1.027
Dividend yield (TTM)
10.36%
Forward dividend yield
6.48%
Growth
Revenue change (TTM)
9.52%
Earnings per share change (TTM)
-5.69%
3-year revenue growth (CAGR)
3.21%
10-year revenue growth (CAGR)
-1.73%
3-year earnings per share growth (CAGR)
-9.90%
10-year earnings per share growth (CAGR)
-5.31%
3-year dividend per share growth (CAGR)
7.17%
10-year dividend per share growth (CAGR)
9.26%
What the Analysts think about AMERISAFE
Analyst ratings (Buy, Hold, Sell) for AMERISAFE stock.
Analyst projections of the future price of AMERISAFE stock.
Bulls say / Bears say
AMERISAFE remained underwriting-profitable in a difficult quarter: its 96.5% combined ratio stayed below break-even, and it booked $6.9 million of favourable development on older claims. That reserve release helped, so it should not be mistaken for stronger current-year claims performance. (AMERISAFE)
The customer base is still expanding: policy count grew 4% year on year and renewal retention was 92.3%, while net premiums earned rose 3%. This provides some support for future earned-premium growth despite a weaker quarter for new written premiums. (Investing.com, AMERISAFE)
The company maintained a quarterly dividend of $0.41 per share, 5.1% higher than a year earlier. That growing cash return may appeal to income-focused shareholders. (AMERISAFE)
Earnings weakened sharply: third-quarter net income fell 47.9% year on year and operating net income fell 30.0%. Diluted earnings per share dropped to $0.39 from $0.72. (AMERISAFE)
Premium momentum is slowing amid tougher competition: gross premiums written fell 4.5%, while audits and related adjustments cut premiums by $1.6 million, against a $2.5 million increase a year earlier. Management said aggressive rival pricing and cancellations weighed on new business. (AMERISAFE, Investing.com)
Claims and expenses are putting more pressure on underwriting: the current-year loss ratio rose to 72.0% from 71.0%, and the expense ratio increased to 32.5% from 31.1%. The combined ratio consequently widened to 96.5% from 90.6%. (AMERISAFE)
Data summarised monthly by Lightyear AI. Last updated on 29 Oct 2026.
AMERISAFE Financial Performance
Revenues and expenses
AMERISAFE Earnings Performance
Company profitability
Upcoming events
AMERISAFE News
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Funds containing AMERISAFE
Fund name | Fund size | $AMSF weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
iShares MSCI World Small Cap€IUSN | $9B | 0.01% |
iShares MSCI World Small Cap$WSML | $9B | 0.01% |
iShares MSCI World Small Cap£WLDS | $9B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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