AMERISAFE, Inc. carries no debt; cash flow comfortably covers obligations.

AMERISAFE, Inc.'s free cash flow has decreased 61.79% from $23.35M last year to $8.92M, signaling decreasing performance

AMERISAFE, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

AMERISAFE, Inc. has insufficient data to evaluate this check.

AMERISAFE, Inc. has a net cash position, so leverage is healthy.

AMERISAFE, Inc. carries no debt; interest obligations are fully covered.

AMERISAFE, Inc.'s profit margin was 17.93% last year and is 12.10% this year, signaling decreasing performance

AMERISAFE, Inc.'s short-term liabilities of $700.73M exceed its short-term assets of $428.46M, signaling financial risk

AMERISAFE, Inc.'s return on assets of 3.64% is lower than the 5.00% threshold, indicating inefficient asset utilization

AMERISAFE, Inc.'s return on equity of 16.38%, is higher than 15.00%, indicating good performance

AMERISAFE, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

AMERISAFE, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

AMERISAFE, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

AMERISAFE, Inc. has a free cash flow yield of 2.46%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

AMERISAFE, Inc.'s yearly earnings has decreased 14.96% since last year from $55.44M to $47.15M, signaling decreasing performance

AMERISAFE, Inc.'s yearly revenue has increased 2.66% since last year from $309.04M to $317.25M, signaling increasing performance

ROIC 3.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

AMERISAFE, Inc.'s 3-year revenue CAGR of 2.49% is positive, indicating growing revenue over the past 3 years

AMERISAFE, Inc. had revenue growth in 3 out of 5 years, indicating consistent revenue performance

AMERISAFE, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

AMERISAFE, Inc. is overvalued relative to its fair value price of 9.04 based on Base Cash Flow Valuation (DCF) model

AMERISAFE, Inc. has an earnings yield of 11.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

AMERISAFE, Inc. is undervalued relative to its fair value price of 29.69 based on Base EBITDA Valuation model

AMERISAFE, Inc. has an EV/EBITDA ratio of 3.59x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

AMERISAFE, Inc. is undervalued relative to its fair value price of 26.04 based on Base Earnings Fair Value model

AMERISAFE, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

AMERISAFE, Inc. has a price-to-book ratio of 1.53x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

AMERISAFE, Inc. has a price-to-sales ratio of 1.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue