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AMERISAFE Inc

AMERISAFE, Inc. is an insurance holding company that underwrites workers' compensation insurance in the United States. It provides benefits to injured employees for temporary or permanent disability, death, and medical and hospital expenses. The company sells its products through retail and wholesale brokers and agents, serving small and mid-sized employers in hazardous industries such as construction, trucking, logging and lumber, agriculture, manufacturing, telecommunications, and maritime. Incorporated in 1985, AMERISAFE is based in Deridder, Louisiana.

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AMERISAFE Benefits From Premium Growth and Strong Retention, but Faces Free Cash Flow Decline

AMERISAFE continues to see rising voluntary premiums and solid customer retention, but weakening free cash flow and product concentration pose risks. In the first quarter of 2026, gross premiums written increased 5.6% year over year to $88.5 million, while net premiums earned rose 9%, marking the eighth straight quarter of premium growth. The company's policy renewal retention rate stood at 92.4%, and new and renewal voluntary premiums grew 8.2%. However, free cash flow fell 61.8% in 2025 and dropped another 51.8% in the first quarter of 2026. AMERISAFE carries a Zacks Rank #3, and the consensus estimate for 2026 earnings is $2.08 per share on revenues of $333.8 million.
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Zacks Investment Research·80dRead more →
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AMERISAFE Fair Value Estimate Revised Down to $36.67 as Analysts Adjust Growth and Margin Assumptions

AMERISAFE's modeled fair value estimate has been revised lower from $38.67 to $36.67, reflecting updated analyst assumptions on revenue growth, profitability, and discount rates. Revenue growth was adjusted upward from 4.09% to 4.45%, while the net profit margin forecast was reduced from 10.03% to 8.20%. The forward price-to-earnings multiple moved from 23.75 times to 25.24 times, and the discount rate was refined from 6.98% to 7.11%. Truist lowered its price target by $2 and Citizens reduced its target by $5, signaling more cautious valuation assumptions and a tighter margin of safety around future execution.
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Simply Wall St·87dRead more →
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