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AMSF vs V

AMSF
AMERISAFE, Inc.
BEARISH
Price
$32.85
Market Cap
$621.7M
Sector
Financial Services
AI Confidence
87%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
AMSF
13.3
V
28.35
Forward P/E
AMSF
14.76
V
20.79
P/B Ratio
AMSF
2.45
V
15.09
P/S Ratio
AMSF
1.96
V
14.08
EV/EBITDA
AMSF
9.08
V
20.06

Profitability

Gross Margin
AMSF
29.13%
V
97.78%
Operating Margin
AMSF
15.56%
V
68.3%
Profit Margin
AMSF
14.86%
V
50.23%
ROE
AMSF
18.53%
V
53.95%
ROA
AMSF
3.21%
V
18.36%

Growth

Revenue Growth
AMSF
10.2%
V
14.6%
Earnings Growth
AMSF
-19.2%
V
17.4%

Financial Health

Debt/Equity
AMSF
0.0
V
0.55
Current Ratio
AMSF
2.04
V
1.11
Quick Ratio
AMSF
1.38
V
0.72

Dividends

Dividend Yield
AMSF
4.81%
V
0.89%
Payout Ratio
AMSF
63.16%
V
22.91%

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
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

AMSF vs V: Head-to-Head Comparison

This page compares AMERISAFE, Inc. (AMSF) and Visa Inc. (V) 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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