← AMERISAFE INC AMSF
Market Price
$27.64
Market Cap
$508.74M
P/E Ratio
11.19
Revenue (FY 2025)
↑2.7% YoY
$317.25M
3-Yr CAGR: 2.5%
Net Income
↓-15.0% YoY
$47.15M
Net Margin: 14.9%
Free Cash Flow
↓-61.8% YoY
$8.92M
FCF Yield: 1.75%
EPS (Diluted)
↓-14.5% YoY
$2.47
Basic: $2.48
Return on Equity
Efficiency
18.7%
ROA: 4.2%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (AMSF)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $396.7M | — | $197.6M | $77.9M | — | $4.05 | — | $114.2M | $112.6M | — |
| FY 2017 | $375.2M | -5.4% | $165.9M | $46.2M | -40.6% | $2.40 | -40.7% | $130.8M | $130.3M | +15.8% |
| FY 2018 | $377.8M | +0.7% | $172.9M | $71.6M | +54.9% | $3.71 | +54.6% | $98.3M | $97.1M | -25.5% |
| FY 2019 | $370.4M | -2.0% | $194.0M | $92.7M | +29.4% | $4.80 | +29.4% | $78.8M | $77.8M | -19.9% |
| FY 2020 | $339.5M | -8.3% | $182.3M | $86.6M | -6.6% | $4.47 | -6.9% | $63.4M | $62.5M | -19.7% |
| FY 2021 | $315.9M | -6.9% | $155.1M | $65.8M | -24.1% | $3.39 | -24.2% | $38.0M | $36.7M | -41.3% |
| FY 2022 | $294.7M | -6.7% | $142.4M | $55.6M | -15.4% | $2.88 | -15.0% | $28.2M | $26.1M | -28.8% |
| FY 2023 | $306.9M | +4.1% | $158.6M | $62.1M | +11.7% | $3.23 | +12.2% | $29.8M | $29.3M | +12.2% |
| FY 2024 | $309.0M | +0.7% | $151.8M | $55.4M | -10.7% | $2.89 | -10.5% | $24.2M | $23.4M | -20.3% |
| FY 2025 | $317.3M | +2.7% | $147.3M | $47.1M | -15.0% | $2.47 | -14.5% | $11.1M | $8.9M | -61.8% |
Valuation
Market Price
$27.64
Market Cap
$508.74M
Enterprise Value
N/A
P/E Ratio
11.19
P/B Ratio
2.05
FCF Yield
1.75%
Dividend Yield
5.64%
Shares Outstanding
Profitability & Margins
Gross Margin
46.43%
Operating Margin
18.55%
Net Margin
14.86%
Return on Equity (ROE)
18.74%
Return on Assets (ROA)
4.17%
Asset Turnover
0.28x
Revenue 3-Yr CAGR
2.48%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$61.93M
Total Debt
N/A
Book Value / Share
$13.45
Cash Flow Efficiency
Operating Cash Flow
$11.07M
Capital Expenditures (CapEx)
$2.15M
Free Cash Flow
$8.92M
OCF / Revenue
3.49%
FCF / Revenue
2.81%
FCF 3-Yr CAGR
-30.08%
Per Share Metrics
EPS (Diluted)
$2.47
EPS (Basic)
$2.48
Dividends / Share
$1.56
Book Value / Share
$13.45
EPS YoY Growth
-14.53%
Balance Sheet (FY 2025)
Total Assets
$1.13B
Total Liabilities
$10.29M
Stockholders' Equity
$251.60M
Current Assets
N/A
Current Liabilities
N/A