AMERISAFE, Inc. — Earnings Quality Grade F
AMSF · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 309 days, change +3 days YoY
AR growth 3.6% vs revenue growth 2.6%
Revenue 2.6%, CFFO -54.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 155.7% is >2x revenue growth 2.6%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF < 50% of Net Income for 3 years
Accruals ratio = 3.2%. Low accruals
Insufficient data
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor AMSF continuously
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Altman Z-Score — Not Applicable
AMERISAFE, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25