What is Amerisafe's earnings per share (EPS)?

Amerisafe (AMSF) reported diluted earnings per share of $2.47 for fiscal year 2025. This represents a -14.5% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Amerisafe Financials

AMSF

Trailing 12 months to June 30, 2026

Revenue $335.6M +9.5% YoY

Net Income $46.9M -6.8% YoY

EPS (Diluted) $2.48 -5.7% YoY

Free Cash Flow $19.3M +143.8% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 23, 2026 Currency USD FYE December

Amerisafe (AMSF) reported $335.6M in revenue over the twelve months to Jun 30, 2026, up 9.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI AMSF FY2025 2026-04-23

A shrinking equity base and weakening cash conversion are now shaping results more than modest revenue movement.

Return on equity remained high at 18.7% in FY2025 even though net income fell to $47.1M, so the headline return metric flatters the underlying earnings trend. That persistence says more about a smaller capital cushion than stronger earning power, because equity has been cut since FY2021 to $251.6M from $399.3M.

The business kept revenue roughly flat, at $306.9M in FY2023 and $317.3M in FY2025, so the profit squeeze was not caused by a collapsing top line. Instead, SG&A expense rose to $33.3M from $27.4M, and net margin narrowed as overhead absorbed more of each revenue dollar.

Cash generation weakened much faster than earnings: operating cash flow fell to $11.1M in FY2025 from $29.8M in FY2023, so accounting profit translated into far less spendable cash. Cash still ended higher at $61.9M because investing inflows of $68.4M offset distributions and other outflows, making liquidity look sturdier than current operations alone.

Financial Health Signals

Financial Health Score 53/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Amerisafe's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Premium Growth

Capital

Investment Yield

Not available for Amerisafe, and counted as zero in the overall score.

Combined Ratio

Stability

Piotroski F-Score Partial

4/6

Amerisafe passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Low Quality

0.24x

For every $1 of reported earnings, Amerisafe generates $0.24 in operating cash flow ($11.1M OCF vs $47.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$317.3M

YoY+2.7%

5Y CAGR-1.3%

10Y CAGR-2.3%

Amerisafe generated $317.3M in revenue in fiscal year 2025. This represents an increase of 2.7% from the prior year.

Net Income

$47.1M

YoY-15.0%

5Y CAGR-11.5%

10Y CAGR-3.9%

Amerisafe reported $47.1M in net income in fiscal year 2025. This represents a decrease of 15.0% from the prior year.

EPS (Diluted)

$2.47

YoY-14.5%

5Y CAGR-11.2%

10Y CAGR-3.9%

Amerisafe earned $2.47 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 14.5% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$8.9M

YoY-61.8%

5Y CAGR-32.2%

10Y CAGR-20.8%

Amerisafe generated $8.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 61.8% from the prior year.

Cash & Debt

$61.9M

YoY+40.6%

5Y CAGR+0.1%

10Y CAGR-1.1%

Amerisafe held $61.9M in cash as of fiscal year 2025; long-term debt is not reported for that period.

Dividends Per Share

$1.56

YoY+5.4%

5Y CAGR+7.6%

10Y CAGR+10.0%

Amerisafe paid $1.56 per share in dividends in fiscal year 2025. This represents an increase of 5.4% from the prior year.

Shares Outstanding

19M

YoY-1.3%

5Y CAGR-0.6%

10Y CAGR-0.2%

Amerisafe had 19M shares outstanding in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

Margins & Returns

Net Margin

14.8%

YoY-3.1pp

5Y CAGR-10.7pp

10Y CAGR-2.7pp

Amerisafe's net profit margin was 14.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 3.1 percentage points from the prior year.

Return on Equity

18.7%

YoY-2.8pp

5Y CAGR-1.0pp

10Y CAGR+3.2pp

Amerisafe's ROE was 18.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.8 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$2.1M

YoY+155.7%

5Y CAGR+18.5%

10Y CAGR+8.5%

Amerisafe invested $2.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 155.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

AMSF Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AMSF quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$335.6M	$317.3M+2.7%	$309.0M+0.7%	$306.9M+4.1%	$294.7M-6.7%	$315.9M-6.9%	$339.5M-8.3%	$370.4M-2.0%	$377.8M+0.7%	$375.2M-5.4%	$396.7M-1.1%	$401.0M-0.8%	$404.0M+13.4%	$356.3M+10.9%	$321.2M+14.5%	$280.7M
SG&A Expenses	$34.0M	$33.3M+5.6%	$31.5M+15.1%	$27.4M+3.2%	$26.5M+2.1%	$26.0M-7.1%	$27.9M+3.0%	$27.1M+4.3%	$26.0M+1.4%	$25.6M+3.0%	$24.9M+1.8%	$24.4M-0.3%	$24.5M+7.2%	$22.9M+9.7%	$20.8M+4.6%	$19.9M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$566K-56.8%	$1.3M
Income Tax	$11.6M	$11.7M-14.1%	$13.6M-10.8%	$15.3M+26.8%	$12.0M-12.0%	$13.7M-32.6%	$20.3M-11.0%	$22.8M+43.1%	$15.9M-55.7%	$36.0M+3.0%	$35.0M+14.6%	$30.5M+51.9%	$20.1M+29.0%	$15.6M+99.8%	$7.8M+145.3%	$3.2M
Net Income	$46.9M	$47.1M-15.0%	$55.4M-10.8%	$62.1M+11.7%	$55.6M-15.5%	$65.8M-24.0%	$86.6M-6.6%	$92.7M+29.4%	$71.6M+54.9%	$46.2M-40.6%	$77.9M+10.5%	$70.5M+31.3%	$53.7M+23.0%	$43.6M+48.7%	$29.4M+21.4%	$24.2M
EPS (Diluted)	$2.48	$2.47-14.5%	$2.89-10.5%	$3.23+12.2%	$2.88-15.0%	$3.39-24.2%	$4.47-6.9%	$4.80+29.4%	$3.71+54.6%	$2.40-40.7%	$4.05+9.8%	$3.69+29.9%	$2.84+22.4%	$2.32+46.8%	$1.58+22.5%	$1.29

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$92.0M+14.8%	$80.1M-1.8%	$81.6M-0.5%	$82.0M+1.1%	$81.1M+11.7%	$72.6M-1.9%	$74.0M-5.9%	$78.7M
SG&A Expenses	$8.5M+6.4%	$8.0M-13.1%	$9.2M+10.4%	$8.3M+11.6%	$7.5M-10.0%	$8.3M-8.1%	$9.0M+16.3%	$7.7M
Income Tax	$3.7M+82.1%	$2.0M-11.3%	$2.3M-38.0%	$3.7M+4.7%	$3.5M+54.0%	$2.3M-36.5%	$3.6M+3.2%	$3.5M
Net Income	$14.6M+79.2%	$8.1M-21.5%	$10.4M-24.9%	$13.8M-1.0%	$14.0M+55.9%	$8.9M-32.0%	$13.2M-8.1%	$14.3M
EPS (Diluted)	$0.78+81.4%	$0.43-21.8%	$0.55-23.6%	$0.72-1.4%	$0.73+55.3%	$0.47-30.9%	$0.68-9.3%	$0.75

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, Interest Expense.

AMSF Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AMSF quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$1.1B-2.4%	$1.2B-5.8%	$1.2B-3.2%	$1.3B-9.5%	$1.4B-4.6%	$1.5B-1.5%	$1.5B-1.5%	$1.5B-0.2%	$1.5B0.0%	$1.5B+1.1%	$1.5B+3.1%	$1.5B+9.6%	$1.3B+8.9%	$1.2B+6.7%	$1.1B
Cash & Equivalents	$61.9M+40.6%	$44.0M+13.9%	$38.7M-37.1%	$61.5M-13.1%	$70.7M+14.5%	$61.8M+41.0%	$43.8M+8.6%	$40.3M-27.4%	$55.6M-5.7%	$58.9M-15.2%	$69.5M-23.6%	$91.0M-26.1%	$123.1M+32.8%	$92.7M+103.5%	$45.5M
Total Liabilities	$878.9M-2.4%	$900.5M-3.9%	$936.7M-1.6%	$951.8M-5.1%	$1.0B-2.8%	$1.0B-2.9%	$1.1B-3.9%	$1.1B+1.2%	$1.1B+2.8%	$1.1B+1.4%	$1.0B+3.7%	$1.0B+10.8%	$912.2M+8.6%	$839.7M+5.7%	$794.5M
Total Equity	$251.6M-2.2%	$257.3M-12.0%	$292.5M-7.9%	$317.4M-20.5%	$399.3M-9.0%	$438.8M+2.0%	$430.2M+5.0%	$409.8M-3.7%	$425.4M-6.7%	$456.1M+0.5%	$454.0M+1.6%	$447.0M+7.2%	$416.8M+9.3%	$381.2M+9.1%	$349.4M
Retained Earnings	$82.8M-1.5%	$84.1M-26.4%	$114.3M-21.5%	$145.5M-23.6%	$190.5M-15.2%	$224.6M-1.1%	$227.2M+2.6%	$221.3M-5.4%	$233.9M-13.5%	$270.4M+0.6%	$268.9M+0.6%	$267.2M+6.6%	$250.7M+17.7%	$213.0M+16.0%	$183.7M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.1B+0.4%	$1.1B-0.7%	$1.1B-3.0%	$1.2B+0.9%	$1.2B-0.1%	$1.2B-0.1%	$1.2B-7.7%	$1.3B
Cash & Equivalents	$65.5M+91.3%	$34.2M-44.7%	$61.9M+13.1%	$54.7M+13.0%	$48.5M+8.3%	$44.8M+1.6%	$44.0M-30.8%	$63.7M
Total Liabilities	$877.3M+0.1%	$876.4M-0.3%	$878.9M-1.3%	$890.2M+0.1%	$889.5M-0.7%	$895.9M-0.5%	$900.5M-4.2%	$940.4M
Total Equity	$250.0M+1.4%	$246.6M-2.0%	$251.6M-8.4%	$274.8M+3.5%	$265.6M+1.8%	$260.8M+1.3%	$257.3M-18.1%	$314.4M
Retained Earnings	$90.3M+8.3%	$83.3M+0.5%	$82.8M-15.9%	$98.5M+6.9%	$92.1M+7.6%	$85.6M+1.8%	$84.1M-37.8%	$135.3M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.

AMSF Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

AMSF quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$20.4M	$11.1M-54.2%	$24.2M-18.9%	$29.8M+5.8%	$28.2M-25.8%	$38.0M-40.1%	$63.4M-19.6%	$78.8M-19.8%	$98.3M-24.9%	$130.8M+14.5%	$114.2M+23.0%	$92.9M-34.0%	$140.7M+8.9%	$129.2M+59.4%	$81.0M+85.4%	$43.7M
Capital Expenditures	$1.1M	$2.1M+155.7%	$840K+51.9%	$553K-73.5%	$2.1M+61.2%	$1.3M+40.7%	$921K-9.5%	$1.0M-9.6%	$1.1M+135.6%	$478K-70.8%	$1.6M+71.9%	$953K-3.6%	$989K-13.2%	$1.1M-4.7%	$1.2M+6.0%	$1.1M
Free Cash Flow	$19.3M	$8.9M-61.8%	$23.4M-20.3%	$29.3M+12.2%	$26.1M-28.8%	$36.7M-41.3%	$62.5M-19.7%	$77.8M-19.9%	$97.1M-25.5%	$130.3M+15.8%	$112.6M+22.5%	$91.9M-34.2%	$139.7M+9.1%	$128.0M+60.3%	$79.9M+87.5%	$42.6M
Investing Cash Flow	$65.6M	$68.4M-5.5%	$72.4M+64.9%	$43.9M-41.8%	$75.4M+6.3%	$71.0M+63.6%	$43.4M+271.1%	$11.7M+140.2%	-$29.1M+43.6%	-$51.5M-2.1%	-$50.5M	N/A	N/A	N/A	-$9.3M+78.3%	-$42.9M
Financing Cash Flow	-$69.0M	-$61.6M+32.4%	-$91.2M+5.5%	-$96.5M+14.5%	-$112.9M-12.9%	-$100.0M-12.6%	-$88.8M-2.0%	-$87.0M-3.1%	-$84.4M-2.2%	-$82.6M-11.3%	-$74.3M	N/A	N/A	N/A	-$24.6M-51.8%	-$16.2M
Dividends Paid	$63.2M	$62.7M-11.7%	$71.0M+26.8%	$56.0M-27.9%	$77.7M-47.6%	$148.4M+67.5%	$88.6M-23.6%	$115.9M+77.2%	$65.4M-17.1%	$78.9M+17.8%	$67.0M+34.0%	$50.0M+100.0%	$25.0M+66.7%	$15.0M-28.6%	$21.0M-34.4%	$32.0M
Share Buybacks	N/A	N/A	N/A	$2.2M-82.5%	$12.4M	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$10.3M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$1.8M+166.5%	-$2.7M-125.4%	$10.6M-0.6%	$10.7M+226.5%	-$8.4M-371.1%	-$1.8M-116.6%	$10.8M+28.1%	$8.4M
Capital Expenditures	$3K-88.5%	$26K-85.0%	$173K-80.6%	$891K-17.7%	$1.1M+54000.0%	$2K-85.7%	$14K-41.7%	$24K
Free Cash Flow	$1.8M+165.7%	-$2.7M-126.1%	$10.4M+6.7%	$9.8M+202.8%	-$9.5M-430.9%	-$1.8M-116.6%	$10.8M+28.3%	$8.4M
Investing Cash Flow	$42.7M+442.5%	-$12.5M-140.6%	$30.7M+567.1%	$4.6M-80.1%	$23.1M+132.6%	$9.9M-70.5%	$33.8M+2.8%	$32.8M
Financing Cash Flow	-$13.3M-5.9%	-$12.5M+63.4%	-$34.2M-279.5%	-$9.0M+17.9%	-$11.0M-47.4%	-$7.4M+88.4%	-$64.2M-679.7%	-$8.2M
Dividends Paid	$7.6M-1.8%	$7.8M-80.7%	$40.3M+436.9%	$7.5M+0.2%	$7.5M+0.8%	$7.4M-85.1%	$49.7M+601.2%	$7.1M

Not reported in any period shown, so not listed: Share Buybacks.

AMSF Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

AMSF quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	14.8%-3.1pp	17.9%-2.3pp	20.2%+1.4pp	18.9%-2.0pp	20.8%-4.7pp	25.5%+0.5pp	25.0%+6.1pp	19.0%+6.6pp	12.3%-7.3pp	19.6%+2.1pp	17.6%+4.3pp	13.3%+1.0pp	12.3%+3.1pp	9.1%+0.5pp	8.6%
Return on Equity	18.7%-2.8pp	21.5%+0.3pp	21.2%+3.7pp	17.5%+1.0pp	16.5%-3.3pp	19.7%-1.8pp	21.6%+4.1pp	17.5%+6.6pp	10.9%-6.2pp	17.1%+1.5pp	15.5%+3.5pp	12.0%+1.5pp	10.5%+2.8pp	7.7%+0.8pp	6.9%
Return on Assets	4.2%-0.6pp	4.8%-0.3pp	5.1%+0.7pp	4.4%-0.3pp	4.7%-1.2pp	5.9%-0.3pp	6.2%+1.5pp	4.7%+1.7pp	3.0%-2.1pp	5.1%+0.4pp	4.7%+1.0pp	3.7%+0.4pp	3.3%+0.9pp	2.4%+0.3pp	2.1%
Debt-to-Equity	3.490.0x	3.50+0.3x	3.20+0.2x	3.00+0.5x	2.51+0.2x	2.35-0.1x	2.47-0.2x	2.70+0.1x	2.57+0.2x	2.330.0x	2.310.0x	2.26+0.1x	2.190.0x	2.20-0.1x	2.27
FCF Margin	2.8%-4.8pp	7.6%-2.0pp	9.5%+0.7pp	8.9%-2.7pp	11.6%-6.8pp	18.4%-2.6pp	21.0%-4.7pp	25.7%-9.0pp	34.7%+6.4pp	28.4%+5.5pp	22.9%-11.7pp	34.6%-1.4pp	35.9%+11.1pp	24.9%+9.7pp	15.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	15.9%+5.7pp	10.2%-2.6pp	12.7%-4.1pp	16.9%-0.4pp	17.2%+4.9pp	12.3%-5.4pp	17.8%-0.4pp	18.2%
Return on Equity	5.8%+2.5pp	3.3%-0.8pp	4.1%-0.9pp	5.0%-0.2pp	5.3%+1.8pp	3.4%-1.7pp	5.1%+0.5pp	4.6%
Return on Assets	1.3%+0.6pp	0.7%-0.2pp	0.9%-0.3pp	1.2%0.0pp	1.2%+0.4pp	0.8%-0.4pp	1.1%0.0pp	1.1%
Debt-to-Equity	3.510.0x	3.55+0.1x	3.49+0.3x	3.24-0.1x	3.35-0.1x	3.44-0.1x	3.50+0.5x	2.99
FCF Margin	1.9%+5.4pp	-3.4%-16.2pp	12.8%+0.9pp	11.9%+23.7pp	-11.8%-9.3pp	-2.5%-17.1pp	14.6%+3.9pp	10.7%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Frequently Asked Questions

What is Amerisafe's annual revenue?

Amerisafe (AMSF) reported $317.3M in total revenue for fiscal year 2025. This represents a 2.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Amerisafe's revenue growing?

Amerisafe (AMSF) revenue grew by 2.7% year-over-year, from $309.0M to $317.3M in fiscal year 2025.

Is Amerisafe profitable?

Yes, Amerisafe (AMSF) reported a net income of $47.1M in fiscal year 2025, with a net profit margin of 14.8%.

What is Amerisafe's net profit margin?

Amerisafe (AMSF) had a net profit margin of 14.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Amerisafe pay dividends?

Yes, Amerisafe (AMSF) paid $1.56 per share in dividends during fiscal year 2025.

What is Amerisafe's return on equity (ROE)?

Amerisafe (AMSF) has a return on equity of 18.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Amerisafe's free cash flow?

Amerisafe (AMSF) generated $8.9M in free cash flow during fiscal year 2025. This represents a -61.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Amerisafe's operating cash flow?

Amerisafe (AMSF) generated $11.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Amerisafe's total assets?

Amerisafe (AMSF) had $1.1B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Amerisafe's capital expenditures?

Amerisafe (AMSF) invested $2.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Amerisafe have outstanding?

Amerisafe (AMSF) had 19M shares outstanding as of fiscal year 2025.

What is Amerisafe's debt-to-equity ratio?

Amerisafe (AMSF) had a debt-to-equity ratio of 3.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Amerisafe's return on assets (ROA)?

Amerisafe (AMSF) had a return on assets of 4.2% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Amerisafe's Piotroski F-Score?

Amerisafe (AMSF) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Amerisafe's earnings high quality?

Amerisafe (AMSF) has an earnings quality ratio of 0.24x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Amerisafe?

Amerisafe (AMSF) scores 53 out of 100 on our Financial Health Score, indicating moderate standing within its insurers peer group. The score is a 0-100 composite of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.