AMERISAFE, Inc. (AMSF) Financial Ratios Annual - Discounting Cash Flows
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AMSF
AMERISAFE, Inc.
AMSF (NASDAQ)
  • Financials

  • AMERISAFE, Inc. Financial Ratios Annual

Annual Quarterly

* (except for per share items) of USD
Period Ending: LTM
(Last Twelve Months) 		2025
12-31 		2024
12-31 		2023
12-31 		2022
12-31 		2021
12-31 		2020
12-31 		2019
12-31 		2018
12-31 		2017
12-31 		2016
12-31 		2015
12-31 		2014
12-31 		2013
12-31 		2012
12-31 		2011
12-31 		2010
12-31 		2009
12-31 		2008
12-31 		2007
12-31 		2006
12-31 		2005
12-31 		2004
12-31 		2003
12-31 		2002
12-31 		2000
12-31 		1995
12-31
Price Ratios
Price to Earnings Ratio 13.28 15.46 17.73 14.49 17.98 15.83 12.79 13.71 15.2 25.54 15.3 13.68 14.72 17.78 16.86 17.55 9.45 7.3 8.81 5.8 7.28 3.62 0.192 0.189 0.521 0.192 21.43
Price to Sales Ratio 1.98 2.3 3.18 2.93 3.39 3.29 3.26 3.43 2.88 3.15 3 2.4 1.95 2.18 1.54 1.51 1.31 1.2 1.28 0.86 0.817 0.078 0.008 0.008 0.016 0.014 3.42
Price to Book Ratio 2.49 2.9 3.82 3.08 3.15 2.61 2.52 2.95 2.66 2.78 2.61 2.12 1.77 1.86 1.3 1.21 1 1.12 1.53 1.4 1.71 0.146 -0.047 -0.078 -0.107 -0.1 6.21
Price to Free Cash Flow Ratio 70.42 81.71 42.1 30.73 38.29 28.37 17.73 16.34 11.21 9.06 10.58 10.49 5.66 6.07 6.2 9.96 7.83 12.9 6.07 2.94 3.38 0.152 0.023 0.033 0 0 7.49
Price to Operating Cash Flow Ratio 56.58 65.85 40.63 30.16 35.45 27.4 17.47 16.12 11.08 9.03 10.43 10.38 5.62 6.02 6.11 9.71 7.27 12.42 5.95 2.9 3.32 0.151 0.022 0.032 0 0 6.85
Price Earnings to Growth Ratio -2.49 -1.05 -1.74 1.2 -1.2 -0.652 -1.87 0.469 0.278 -0.624 1.58 0.469 0.684 0.384 0.742 -0.613 -0.511 2 -0.673 0.17 -0.029 -0.024 -0.001 -0.005 0 0 0
EV to EBITDA 8.5 11.2 12.06 9.79 8.74 -14.15 -10.26 4.91 3.85 3.84 4.96 0.629 0.745 -2.37 3.82
Liquidity Ratios
Current Ratio 0.318 0.318 0 0 0 19.54 18.78 0 21.19 400.9 182.3 709.7 566.3 19.74 12.87 10.81 3.93 3.93 8.25 5.91 0.406 107 18.32 20.13 0 0 0
Quick Ratio 0.318 0.318 0 0 0 18.64 47.04 0 17.62 427.2 195 839.8 566.3 19.74 12.87 10.81 3.93 3.93 8.25 5.91 0.406 107 18.32 20.13 0 0 0
Cash Ratio 0.088 0.088 0 0 0 1.87 4.39 0 1.04 31.55 14.67 76.27 84.06 4.47 3.55 1.78 0.951 0.986 3.12 1.64 0.878 29.39 1.36 2.64 0 0 0
Debt Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.022 0.032 0.032 0.033 0.034 0.036 0.04 0.048 0.024 0.013 0.014 0.084
Debt to Equity Ratio 0.002 0.002 0 0 0 0.001 0.001 0 0 0 0 0 0 0 0 0.073 0.111 0.119 0.142 0.173 0.227 0.245 -0.842 -0.79 -0.319 -0.353 0.315
Long Term Debt to Capitalization 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.068 0.1 0.107 0.125 0.148 0.185 0.197 -5.33 -3.76 -0.468 -0.546 0.239
Total Debt to Capitalization 0.002 0.002 0 0 0 0.001 0.001 0 0 0 0 0 0 0 0 0.068 0.1 0.107 0.125 0.148 0.185 0.197 -5.33 -3.76 -0.468 -0.546 0.239
Interest Coverage Ratio 0 0 0 0 0 0 0 0 0 0 0 0 0 104.6 65.62 20.87 28.57 34.45 34.08 20.06 15 2.11 7.61 56.35 7.52 26.38 46.38
Cash Flow to Debt Ratio 22.55 22.55 0 0 0 96.15 127.1 0 0 0 0 1,386 0 0 0 1.7 1.24 0.756 1.8 2.78 2.27 3.94 2.55 3.09 0 0 2.88
Margins
Gross Profit Margin 46.43% 46.43% 41.44% 100% 48.31% 49.12% 100% 45.63% 38.84% 37.6% 43.21% 39.72% 32.48% 88.97% 24.65% 25.81% 29.99% 42.13% 88.31% 33.55% 84.29% 8.32% 12.7% 32.23% 30.37% 44.74% 76.8%
Operating Profit Margin 18.55% 18.55% 22.34% 25.21% 22.95% 25.14% 31.49% 31.19% 23.18% 21.92% 28.44% 25.14% 18.25% 16.61% 11.56% 9.75% 17.82% 22.1% 27.73% 21.01% 15.76% 2.17% 5.5% 6% 2.15% 10.61% 63.75%
Pretax Profit Margin 18.55% 18.55% 22.34% 25.21% 22.95% 25.14% 31.49% 31.19% 23.18% 21.92% 28.44% 25.14% 18.25% 16.61% 11.56% 9.75% 17.82% 22.1% 21.19% 21.01% 15.76% 2.17% 5.5% 6% 2.15% 10.61% 24.91%
Net Profit Margin 14.86% 14.86% 17.93% 20.24% 18.87% 20.81% 25.51% 25.03% 18.96% 12.32% 19.63% 17.54% 13.28% 12.25% 9.14% 8.62% 13.91% 16.45% 14.5% 14.84% 11.23% 2.15% 4.24% 4.51% 2.98% 7.08% 15.98%
Operating Cash Flow Margin 3.49% 3.49% 7.83% 9.72% 9.57% 12.02% 18.67% 21.28% 26.01% 34.86% 28.79% 23.12% 34.76% 36.17% 25.23% 15.57% 18.07% 9.67% 21.47% 29.69% 24.59% 51.41% 36.93% 26.45% 0% 0% 50%
Free Cash Flow Margin 2.81% 2.81% 7.55% 9.54% 8.86% 11.61% 18.4% 21.01% 25.72% 34.74% 28.38% 22.88% 34.52% 35.85% 24.86% 15.17% 16.78% 9.31% 21.03% 29.26% 24.19% 50.9% 35.82% 26.11% 0% 0% 45.7%
Return
Return on Assets 4.57% 4.57% 4.79% 5.05% 4.38% 4.69% 5.89% 6.21% 4.73% 3.05% 5.13% 4.69% 3.68% 3.28% 2.4% 2.11% 3.06% 4.15% 3.96% 4.73% 3.76% 0.665% 1.4% 1.27% 0.858% 2.05% 7.72%
Return on Equity 17.91% 18.74% 21.54% 21.24% 17.52% 16.47% 19.74% 21.55% 17.48% 10.87% 17.07% 15.52% 12.01% 10.47% 7.7% 6.89% 10.61% 15.35% 17.31% 24.08% 23.53% 4.02% -24.63% -41.61% -20.64% -52.12% 28.97%
Return on Capital Employed 17.73% 17.73% 5.96% 6.3% 5.33% 5.82% 7.34% 7.74% 5.93% 5.42% 7.45% 6.73% 5.06% 4.55% 3.11% 2.44% 4.16% 5.91% 7.78% 6.88% 5.44% 0.673% 1.86% 1.73% 0.62% 3.07% 30.81%
Return on Invested Capital 41.23% 24.79% 43.72% 39.06% -70.14% 19.99% 22.94% -83.29% 19.39% 12.5% 19.6% 18.32% 15.07% 14.86% 10.17% -5.09% -7.42% 16.86% 29.55% 25.45% 22.22% 4.48% -32.79% -15.87% 0% 0% -81.21%
Turnover Ratios
Receivables Turnover Ratio 1.97 1.97 1.15 1.12 1.15 1.17 2.17 1.41 1.33 2.03 2.04 2.04 2.12 1.95 1.32 2.32 2.02 1.86 1.93 1.43 0 2.15 0.784 0.577 0.811 0.606 5.39
Payables Turnover Ratio 0 0 0 0 4 4.24 0 5.02 0 0 8,046 1,572 323.6 64.73 530.8 169.8 8.41 6.71 1.16 7.58 1.72 11.08 11.61 6.84 0 0 0
Inventory Turnover Ratio 0 0 0 0 0 4.75 0 0 1.68 -5.06 -4.42 -2.04 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fixed Asset Turnover Ratio 0 0 52.51 48.34 40.79 47.51 52.26 54.78 60.36 61.23 59.77 64.98 55.8 47.2 41.66 36.79 32.88 52.56 54.56 62.57 58.51 43.71 35.18 31.79 0 0 9.86
Asset Turnover Ratio 0.307 0.307 0.267 0.25 0.232 0.225 0.231 0.248 0.249 0.247 0.261 0.267 0.277 0.268 0.263 0.244 0.22 0.252 0.273 0.319 0.335 0.31 0.33 0.281 0.288 0.289 0.483
Per Share Items ()
Revenue Per Share 16.82 16.72 16.21 16.03 15.32 16.35 17.6 19.24 19.67 19.58 20.76 21.2 21.67 19.39 17.68 15.38 13.32 14.96 16.07 18.03 18.93 129.8 1,105 1,059 0 0 2.63
Operating Cash Flow Per Share 0.587 0.583 1.27 1.56 1.47 1.96 3.29 4.09 5.12 6.83 5.98 4.9 7.53 7.02 4.46 2.4 2.41 1.45 3.45 5.35 4.65 66.72 408 280.1 0 0 1.31
Free Cash Flow Per Share 0.473 0.47 1.22 1.53 1.36 1.9 3.24 4.04 5.06 6.8 5.89 4.85 7.48 6.95 4.4 2.33 2.23 1.39 3.38 5.27 4.58 66.06 395.7 276.5 0 0 1.2
Cash & Short Term Investments 7.92 3.26 6.85 6.97 20.63 3.66 3.2 28.13 2.1 2.9 3.08 3.67 4.88 6.7 5.1 46.66 44.35 3.35 5.06 2.52 1.52 23.95 112.8 276.6 149 149.8 3.23
Earnings Per Share 2.5 2.48 2.91 3.24 2.89 3.4 4.49 4.82 3.73 2.41 4.08 3.72 2.88 2.38 1.62 1.32 1.85 2.46 2.33 2.68 2.13 2.79 46.84 47.71 0 0 0.42
EBITDA Per Share 3.16 3.14 3.68 4.12 3.59 4.16 5.54 6.05 4.61 4.34 5.97 5.4 4.02 3.29 2.11 1.55 2.43 3.37 4.52 3.88 3.22 4.89 75.67 74.72 12.49 70.15 1.63
Dividend Per Share 2.7 2.56 4.48 4.87 5.22 5.17 4.6 4.52 4.4 4.31 3.98 3.62 1.99 0.322 0 0 0 0 0 0.458 0 4.04 0 0 0 0 0
Enterprise Value Per Share 26.84 35.17 0 0 0 50.19 54.25 0 0 0 0 47.24 0 0 0 -22 -24.91 16.53 17.38 14.91 15.99 3.08 56.34 -177 0 0 6.23
Book Value Per Share 13.95 13.26 13.49 15.27 16.5 20.66 22.75 22.35 21.33 22.2 23.87 23.97 23.97 22.69 20.99 19.22 17.45 16.03 13.46 11.11 9.03 69.21 -190.2 -114.7 0 0 1.45
Price Per Share 34.73 38.41 51.54 47 51.97 53.83 57.43 66.03 56.69 61.6 62.35 50.9 42.36 42.24 27.25 23.25 17.5 17.97 20.53 15.51 15.46 10.07 9 9 0 0 9
Dividend Ratios
Dividend Payout Ratio 103.1% 103.1% 154.1% 150.2% 180.6% 152% 102.5% 93.88% 118% 178.8% 97.75% 97.3% 69.07% 13.54% 0% 0% 0% 0% 0% 17.11% 0% 144.9% 0% 0% 0% 0% 0%
Annual Dividend Yield 7.77% 6.67% 8.69% 10.37% 10.05% 9.6% 8.01% 6.85% 7.76% 7% 6.39% 7.11% 4.69% 0.762% 0% 0% 0% 0% 0% 2.95% 0% 40.08% 0% 0% 0% 0% 0%
Effective Tax Rate 19.89% 19.89% 19.72% 19.73% 17.8% 17.23% 19% 19.76% 18.21% 43.79% 30.98% 30.21% 27.23% 26.29% 20.97% 11.61% 21.94% 25.54% 31.58% 29.36% 28.77% 1.08% 22.86% 24.88% -38.42% 0% 35.86%
Short Term Coverage Ratio 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 0
Capital Expenditure Coverage Ratio 5.15 5.15 28.8 53.96 13.5 29.3 68.84 77.43 87.27 273.7 69.73 97.44 142 113.1 67.77 38.75 13.99 26.84 48.6 69.22 61.52 100.8 33.1 78.83 0 0 11.64
EBIT Per Revenue 0.185 0.186 0.223 0.252 0.23 0.251 0.315 0.312 0.232 0.219 0.284 0.251 0.183 0.166 0.116 0.097 0.178 0.221 0.277 0.21 0.158 0.022 0.055 0.06 0.022 0.106 0.637
EBITDA Per Revenue 0.188 0.188 0.227 0.257 0.234 0.255 0.315 0.314 0.234 0.222 0.287 0.255 0.186 0.17 0.119 0.101 0.182 0.225 0.281 0.215 0.17 0.038 0.069 0.071 0.022 0.106 0.62
Days of Sales Outstanding 185.1 185.2 317.9 324.5 318.6 312 168.5 259.8 275.1 179.8 178.9 179.1 172.2 187.3 276.4 157.6 180.4 196 189 254.8 0 169.8 465.5 632.7 450 602.4 67.73
Days of Inventory Outstanding 0 0 0 0 0 76.79 0 0 217.4 -72.16 -82.59 -178.7 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Days of Payables Outstanding 0 0 0 0 91.2 85.99 0 72.67 0 0 0.045 0.232 1.13 5.64 0.688 2.15 43.39 54.36 315.3 48.17 212.8 32.93 31.45 53.38 0 0 0
Cash Conversion Cycle 185.1 185.2 317.9 324.5 227.5 302.8 168.5 187.1 492.4 107.7 96.22 0.138 171 181.6 275.8 155.5 137 141.7 -126.3 206.6 -212.8 136.9 434.1 579.3 450 602.4 67.73
Cash Conversion Ratio 0.235 0.235 0.436 0.48 0.507 0.578 0.732 0.85 1.37 2.83 1.47 1.32 2.62 2.95 2.76 1.81 1.3 0.588 1.48 2 2.19 23.95 8.71 5.87 0 0 3.13
Free Cash Flow to Earnings 0.189 0.189 0.421 0.472 0.469 0.558 0.721 0.839 1.36 2.82 1.45 1.3 2.6 2.93 2.72 1.76 1.21 0.566 1.45 1.97 2.15 23.72 8.45 5.8 0 0 2.86

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