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AMSF vs GAIN

AMSF
AMERISAFE, Inc.
BEARISH
Price
$30.74
Market Cap
$575.0M
Sector
Financial Services
AI Confidence
85%
GAIN
Gladstone Investment Corporation
NEUTRAL
Price
$14.53
Market Cap
$578.6M
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
AMSF
12.65
GAIN
4.6
Forward P/E
AMSF
14.76
GAIN
16.51
P/B Ratio
AMSF
2.29
GAIN
0.97
P/S Ratio
AMSF
1.77
GAIN
5.7
EV/EBITDA
AMSF
8.75
GAIN
--

Profitability

Gross Margin
AMSF
28.04%
GAIN
100.0%
Operating Margin
AMSF
12.68%
GAIN
15.79%
Profit Margin
AMSF
14.27%
GAIN
118.55%
ROE
AMSF
18.27%
GAIN
22.16%
ROA
AMSF
3.17%
GAIN
2.93%

Growth

Revenue Growth
AMSF
10.3%
GAIN
17.3%
Earnings Growth
AMSF
-8.5%
GAIN
58.5%

Financial Health

Debt/Equity
AMSF
--
GAIN
0.96
Current Ratio
AMSF
1.92
GAIN
0.18
Quick Ratio
AMSF
1.31
GAIN
0.15

Dividends

Dividend Yield
AMSF
5.34%
GAIN
6.61%
Payout Ratio
AMSF
65.02%
GAIN
30.38%

AI Verdict

AMSF BEARISH

AMSF exhibits significant fundamental weakness, highlighted by a Piotroski F-Score of 3/9, indicating poor financial health. The stock is currently trading at $30.74, which is a premium to both its Graham Number ($27.06) and its growth-based Intrinsic Value ($17.01). While revenue growth remains positive, earnings are declining (-8.50% YoY) and the company has failed to beat earnings estimates in the last four consecutive quarters. This fundamental deterioration is mirrored by a 0/100 technical trend and bearish insider activity from the CFO.

Strengths
Strong Return on Equity (ROE) of 18.27%
Positive top-line revenue growth of 10.30% YoY
Attractive dividend yield of 5.34%
Risks
Weak fundamental health as evidenced by a Piotroski F-Score of 3/9
Negative earnings growth (-8.50% YoY) and declining EPS
Poor earnings track record with 0 beats in the last 4 quarters
GAIN NEUTRAL

GAIN presents a stark contrast between deep value and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant discount to its Graham Number ($32.61) and Intrinsic Value ($93.22), this valuation is offset by a catastrophic recent earnings trend, including a -633.3% YoY EPS growth. The company maintains a strong dividend yield and ROE, but a critical liquidity risk is evident in the 0.18 current ratio. Overall, the asset is undervalued on a book basis but exhibits high operational risk.

Strengths
Deep value valuation with P/E of 4.60 and P/B of 0.97
Strong Return on Equity (ROE) of 22.16%
Attractive dividend yield of 6.61% with a sustainable payout ratio (30.38%)
Risks
Severe fundamental weakness indicated by Piotroski F-Score of 2/9
Extreme earnings volatility with a -633.3% YoY EPS growth
Critical liquidity concerns evidenced by a Current Ratio of 0.18

Compare Another Pair

AMSF vs GAIN: Head-to-Head Comparison

This page compares AMERISAFE, Inc. (AMSF) and Gladstone Investment Corporation (GAIN) 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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