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AMSF vs FAX

AMSF
AMERISAFE, Inc.
BEARISH
Price
$32.85
Market Cap
$621.7M
Sector
Financial Services
AI Confidence
87%
FAX
Abrdn Asia-Pacific Income Fund Inc
BEARISH
Price
$14.94
Market Cap
$616.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AMSF
13.3
FAX
16.98
Forward P/E
AMSF
14.76
FAX
--
P/B Ratio
AMSF
2.45
FAX
0.9
P/S Ratio
AMSF
1.96
FAX
10.54
EV/EBITDA
AMSF
9.08
FAX
--

Profitability

Gross Margin
AMSF
29.13%
FAX
100.0%
Operating Margin
AMSF
15.56%
FAX
78.22%
Profit Margin
AMSF
14.86%
FAX
62.21%
ROE
AMSF
18.53%
FAX
5.14%
ROA
AMSF
3.21%
FAX
2.68%

Growth

Revenue Growth
AMSF
10.2%
FAX
-27.6%
Earnings Growth
AMSF
-19.2%
FAX
-30.2%

Financial Health

Debt/Equity
AMSF
0.0
FAX
0.62
Current Ratio
AMSF
2.04
FAX
2.7
Quick Ratio
AMSF
1.38
FAX
1.51

Dividends

Dividend Yield
AMSF
4.81%
FAX
13.25%
Payout Ratio
AMSF
63.16%
FAX
225.0%

AI Verdict

AMSF BEARISH

AMSF's Piotroski F-Score of 3/9 indicates weak financial health, with no Altman Z-Score available to confirm solvency. Despite a defensive Graham Number of $27.28 and an intrinsic value estimate of $17.29, the stock trades at $32.85—significantly above both benchmarks. This suggests overvaluation, especially given deteriorating earnings growth (-19.2% YoY) and a recent streak of missed earnings (0/4 beats in last 4 quarters). The bearish technical trend and negative insider activity further undermine confidence.

Strengths
Strong profit margins (14.86% net, 29.13% gross)
High ROE of 18.53% indicates efficient use of equity
Healthy current ratio of 2.04 and zero debt/equity ratio
Risks
Piotroski F-Score of 3/9 signals weak financial stability
Negative earnings growth (-19.2% YoY) and declining Q/Q EPS (-7.3%)
Recent insider selling (2 transactions, $0.10M) with no buys
FAX BEARISH

FAX presents as a classic yield trap, characterized by a stable Piotroski F-Score of 6/9 but severely undermined by fundamental decay. While the Graham Number of $18.13 suggests defensive value, the growth-based intrinsic value of $6.16 reflects the reality of sharply negative revenue (-27.6%) and earnings (-30.2%) growth. Most critically, the 225% dividend payout ratio is unsustainable, indicating that the 13.25% yield is being funded by capital or debt rather than earnings. The combination of a 0/100 technical trend and collapsing growth metrics outweighs the low Price-to-Book ratio.

Strengths
Trading below book value (P/B 0.90)
Strong profit margins (62.21%) and operating margins (78.22%)
Stable financial health baseline (Piotroski F-Score 6/9)
Risks
Unsustainable dividend payout ratio of 225%
Severe contraction in revenue growth (-27.60% YoY)
Significant decline in earnings growth (-30.20% YoY)

Compare Another Pair

AMSF vs FAX: Head-to-Head Comparison

This page compares AMERISAFE, Inc. (AMSF) and Abrdn Asia-Pacific Income Fund Inc (FAX) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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