Amerisafe (A3I) Stock Price & Analysis
A3I Stock Chart & Stats
- Day’s Range
- EUR 20.52 - EUR 20.76
- 52-Week Range
- EUR 20.24 - EUR 35.80
- Previous Close
- EUR 20.52
- Volume
- 0
- Average Volume (3M)
- 83
- Market Cap
- EUR 347.05M
- Enterprise Value
- EUR 440.46M
- Total Cash (Recent Filing)
- EUR 307.16M
- Total Debt (Recent Filing)
- EUR 0
- Price to Earnings (P/E)
- 9.7
- Beta
- -0.08
- Next Earnings
- Feb 24, 2027 (Est.)
- EPS Estimate
- 0.44
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 10.91%
Bulls Say, Bears Say
Bulls Say
Debt-free Balance Sheet
A debt-free balance sheet gives AMERISAFE substantial financial flexibility as a long-tail workers’ compensation insurer. Low leverage reduces financing pressure, supports conservative solvency, and leaves more capacity to withstand claims volatility or invest in underwriting capabilities.
Policy Growth And Retention
Policy growth combined with strong renewal retention indicates durable customer relationships and continued demand within AMERISAFE’s target market. This supports recurring premium generation, improves distribution efficiency, and provides a stable base even as new-business competition intensifies.
Disciplined Claims Management
Favorable reserve development and proactive claims handling demonstrate an operating capability that can protect underwriting results over the life of long-tail claims. Effective resolution and reserving discipline may limit adverse surprises and reinforce the company’s specialty-market differentiation.
Bears Say
Persistent Rate Declines
Sustained workers’ compensation rate declines create structural pressure on premium growth and future underwriting margins. AMERISAFE must achieve additional policy volume, maintain pricing discipline, or improve efficiency to offset lower rates without accepting risks that could weaken long-term profitability.
Intensifying Competition
More aggressive competition can make it harder for AMERISAFE to retain accounts and grow new business at economically attractive terms. Although disciplined underwriting is a strength, persistent market pressure may limit premium expansion and force greater effort or concessions to defend its customer base.
Claims And Expense Pressure
Claims growing faster than premiums, combined with medical inflation and a higher expense ratio, can compress underwriting margins over multiple quarters. Hospital and severe-injury costs are particularly important for this insurer, increasing the need for accurate pricing, reserving, and expense control.
Amerisafe News
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Amerisafe Stock Smart Score
Company Description
Amerisafe
Operating as an insurance holding company, AMERISAFE, Inc. specializes in providing workers' compensation coverage across the United States. Its policies offer crucial financial protection to injured employees, addressing costs related to temporary or permanent disability, death benefits, and medical and hospital expenses. The firm primarily serves small to medium-sized businesses operating in high-risk industries, including but not limited to construction, trucking, forestry, agriculture, manufacturing, telecommunications, and maritime sectors. AMERISAFE, Inc. was established in 1985 and is headquartered in DeRidder, Louisiana.
- Sector
- Financial
- Industry
- Insurance - Specialty
- CEO
- Gerry Janelle Frost
- Employees
- 366
- Website
- www.amerisafe.com
- Address
- 2301 Highway 190 West, Deridder, LA, 70634, US
Amerisafe (A3I) Earnings & Revenues
A3I Earnings Call
Earnings Call SentimentNeutral
The call presented meaningful operating strengths, including policy and earned-premium growth, strong retention, favorable reserve development, improving investment yields, operational efficiency gains, and an affirmed AM Best rating. These positives were offset by lower net income and operating earnings, declining gross written premiums, higher expenses, persistent rate declines, rising claim counts, medical-cost pressure, and substantially intensified competition. Overall, the positive underwriting and balance-sheet commentary was balanced by several clear financial and market challenges.
View all DE:A3I earnings summariesA3I Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
