AMSF
AMERISAFE, Inc.
Insurance - Specialty
Market Cap$569M
5Y Perf.-50.6%
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Stock Comparison
AMSF vs HIG
Revenue, margins, valuation, and 5-year total return — side by side.
HIG
The Hartford Financial Services Group, Inc.
Insurance - Diversified
Market Cap$36.49B
5Y Perf.+246.5%
AMSF vs HIG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AMSF | HIG |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Diversified |
| Market Cap | $569M | $36.49B |
| Revenue (TTM) | $325M | $28.76B |
| Net Income (TTM) | $46M | $4.06B |
| Gross Margin | 47.6% | 35.8% |
| Operating Margin | 17.8% | 13.8% |
| Forward P/E | 14.4x | 10.1x |
| Total Debt | $491K | $4.37B |
| Cash & Equiv. | $62M | $133M |
AMSF vs HIG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AMSF
HIG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| AMERISAFE, Inc. (AMSF) | 100 | 49.4 | -50.6% |
| The Hartford Financ… (HIG) | 100 | 346.5 | +246.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AMSF vs HIG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: AMSF leads in 4 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. The Hartford Financial Services Group, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
AMSF
AMERISAFE, Inc.
The Insurance Pick
AMSF carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.23, yield 8.4%
- Lower volatility, beta 0.23, Low D/E 0.2%, current ratio 0.32x
- Beta 0.23, yield 8.4%, current ratio 0.32x
Best for: income & stability and sleep-well-at-night
HIG
The Hartford Financial Services Group, Inc.
The Insurance Pick
HIG is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 7.1%, EPS growth 28.7%, 3Y rev CAGR 8.9%
- 233.5% 10Y total return vs AMSF's 31.8%
- 7.1% revenue growth vs AMSF's 2.6%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HIG | 7.1% revenue growth vs AMSF's 2.6% |
| Value | HIG | Lower P/E (10.1x vs 14.4x) |
| Quality / Margins | AMSF | Combined ratio 0.8 vs HIG's 0.8 (lower = better underwriting) |
| Stability / Safety | AMSF | Beta 0.23 vs HIG's 0.29, lower leverage |
| Dividends | AMSF | 8.4% yield, vs HIG's 1.6% |
| Momentum (1Y) | HIG | +5.6% vs AMSF's -29.2% |
| Efficiency (ROA) | AMSF | 5.6% ROA vs HIG's 4.8%, ROIC 21.9% vs 16.3% |
AMSF vs HIG — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2022
AMSF vs HIG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLAMSFLAGGINGHIG
HIGThe Hartford Financia…
2leads
AMSFAMERISAFE, Inc.
2leads
6 Total Categories
CATEGORYLEADERvs HIGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AMSF4/6
Valuation MetricsMultiples, price ratios, and targets
HIG6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMSF6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
HIG6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
AMSF leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
HIG is the larger business by revenue, generating $28.8B annually — 88.5x AMSF's $325M. Profitability is closely matched — net margins range from 14.3% (AMSF) to 14.1% (HIG). On growth, AMSF holds the edge at +10.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| RevenueTrailing 12 months | $325M | $28.8B |
| EBITDAEarnings before interest/tax | $58M | $4.3B |
| Net IncomeAfter-tax profit | $46M | $4.1B |
| Free Cash FlowCash after capex | $8M | $5.8B |
| Gross MarginGross profit ÷ Revenue | +47.6% | +35.8% |
| Operating MarginEBIT ÷ Revenue | +17.8% | +13.8% |
| Net MarginNet income ÷ Revenue | +14.3% | +14.1% |
| FCF MarginFCF ÷ Revenue | +2.5% | +20.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.3% | +6.1% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.5% | +40.9% |
AMSF leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
HIG leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 10.0x trailing earnings, HIG trades at a 19% valuation discount to AMSF's 12.3x P/E. On an enterprise value basis, HIG's 7.9x EV/EBITDA is more attractive than AMSF's 8.5x.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| Market CapShares × price | $569M | $36.5B |
| Enterprise ValueMkt cap + debt − cash | $508M | $40.7B |
| Trailing P/EPrice ÷ TTM EPS | 12.27x | 9.96x |
| Forward P/EPrice ÷ next-FY EPS est. | 14.42x | 10.06x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.44x |
| EV / EBITDAEnterprise value multiple | 8.53x | 7.90x |
| Price / SalesMarket cap ÷ Revenue | 1.80x | 1.29x |
| Price / BookPrice ÷ Book value/share | 2.30x | 2.00x |
| Price / FCFMarket cap ÷ FCF | 63.83x | 6.34x |
HIG leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
AMSF leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
HIG delivers a 22.0% return on equity — every $100 of shareholder capital generates $22 in annual profit, vs $10 for AMSF. AMSF carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to HIG's 0.23x. On the Piotroski fundamental quality scale (0–9), HIG scores 9/9 vs AMSF's 7/9, reflecting strong financial health.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| ROE (TTM)Return on equity | +9.7% | +22.0% |
| ROA (TTM)Return on assets | +5.6% | +4.8% |
| ROICReturn on invested capital | +21.9% | +16.3% |
| ROCEReturn on capital employed | +16.8% | +5.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.00x | 0.23x |
| Net DebtTotal debt minus cash | -$61M | $4.2B |
| Cash & Equiv.Liquid assets | $62M | $133M |
| Total DebtShort + long-term debt | $491,000 | $4.4B |
| Interest CoverageEBIT ÷ Interest expense | — | 20.73x |
AMSF leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
HIG leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in HIG five years ago would be worth $21,271 today (with dividends reinvested), compared to $8,110 for AMSF. Over the past 12 months, HIG leads with a +5.6% total return vs AMSF's -29.2%. The 3-year compound annual growth rate (CAGR) favors HIG at 25.3% vs AMSF's -9.1% — a key indicator of consistent wealth creation.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| YTD ReturnYear-to-date | -18.3% | -2.8% |
| 1-Year ReturnPast 12 months | -29.2% | +5.6% |
| 3-Year ReturnCumulative with dividends | -24.8% | +96.9% |
| 5-Year ReturnCumulative with dividends | -18.9% | +112.7% |
| 10-Year ReturnCumulative with dividends | +31.8% | +233.5% |
| CAGR (3Y)Annualised 3-year return | -9.1% | +25.3% |
HIG leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — AMSF and HIG each lead in 1 of 2 comparable metrics.
Risk & Volatility
AMSF is the less volatile stock with a 0.23 beta — it tends to amplify market swings less than HIG's 0.29 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HIG currently trades 91.8% from its 52-week high vs AMSF's 62.4% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.23x | 0.29x |
| 52-Week HighHighest price in past year | $48.54 | $144.50 |
| 52-Week LowLowest price in past year | $29.42 | $119.61 |
| % of 52W HighCurrent price vs 52-week peak | +62.4% | +91.8% |
| RSI (14)Momentum oscillator 0–100 | 34.2 | 41.4 |
| Avg Volume (50D)Average daily shares traded | 212K | 1.4M |
Evenly matched — AMSF and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AMSF and HIG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AMSF as "Buy" and HIG as "Buy". Consensus price targets imply 46.9% upside for AMSF (target: $45) vs 14.6% for HIG (target: $152). For income investors, AMSF offers the higher dividend yield at 8.41% vs HIG's 1.56%.
| Metric | AMSFAMERISAFE, Inc. | HIGThe Hartford Fina… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $44.50 | $152.00 |
| # AnalystsCovering analysts | 6 | 42 |
| Dividend YieldAnnual dividend ÷ price | +8.4% | +1.6% |
| Dividend StreakConsecutive years of raises | 0 | 15 |
| Dividend / ShareAnnual DPS | $2.55 | $2.07 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | +4.4% |
Evenly matched — AMSF and HIG each lead in 1 of 2 comparable metrics.
Key Takeaway
AMSF leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). HIG leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallAMERISAFE, Inc. (AMSF)Leads 2 of 6 categories
Loading custom metrics...
AMSF vs HIG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AMSF or HIG a better buy right now?
For growth investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger pick with 7. 1% revenue growth year-over-year, versus 2. 6% for AMERISAFE, Inc. (AMSF). The Hartford Financial Services Group, Inc. (HIG) offers the better valuation at 10. 0x trailing P/E (10. 1x forward), making it the more compelling value choice. Analysts rate AMERISAFE, Inc. (AMSF) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — AMSF or HIG?
On trailing P/E, The Hartford Financial Services Group, Inc.
(HIG) is the cheapest at 10. 0x versus AMERISAFE, Inc. at 12. 3x. On forward P/E, The Hartford Financial Services Group, Inc. is actually cheaper at 10. 1x.
03Which is the better long-term investment — AMSF or HIG?
Over the past 5 years, The Hartford Financial Services Group, Inc.
(HIG) delivered a total return of +112. 7%, compared to -18. 9% for AMERISAFE, Inc. (AMSF). Over 10 years, the gap is even starker: HIG returned +233. 5% versus AMSF's +31. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — AMSF or HIG?
By beta (market sensitivity over 5 years), AMERISAFE, Inc.
(AMSF) is the lower-risk stock at 0. 23β versus The Hartford Financial Services Group, Inc. 's 0. 29β — meaning HIG is approximately 27% more volatile than AMSF relative to the S&P 500. On balance sheet safety, AMERISAFE, Inc. (AMSF) carries a lower debt/equity ratio of 0% versus 23% for The Hartford Financial Services Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AMSF or HIG?
By revenue growth (latest reported year), The Hartford Financial Services Group, Inc.
(HIG) is pulling ahead at 7. 1% versus 2. 6% for AMERISAFE, Inc. (AMSF). On earnings-per-share growth, the picture is similar: The Hartford Financial Services Group, Inc. grew EPS 28. 7% year-over-year, compared to -14. 5% for AMERISAFE, Inc.. Over a 3-year CAGR, HIG leads at 8. 9% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — AMSF or HIG?
AMERISAFE, Inc.
(AMSF) is the more profitable company, earning 14. 9% net margin versus 13. 6% for The Hartford Financial Services Group, Inc. — meaning it keeps 14. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: AMSF leads at 18. 6% versus 16. 8% for HIG. At the gross margin level — before operating expenses — AMSF leads at 46. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is AMSF or HIG more undervalued right now?
On forward earnings alone, The Hartford Financial Services Group, Inc.
(HIG) trades at 10. 1x forward P/E versus 14. 4x for AMERISAFE, Inc. — 4. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for AMSF: 46. 9% to $44. 50.
08Which pays a better dividend — AMSF or HIG?
All stocks in this comparison pay dividends.
AMERISAFE, Inc. (AMSF) offers the highest yield at 8. 4%, versus 1. 6% for The Hartford Financial Services Group, Inc. (HIG).
09Is AMSF or HIG better for a retirement portfolio?
For long-horizon retirement investors, The Hartford Financial Services Group, Inc.
(HIG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 29), 1. 6% yield, +233. 5% 10Y return). Both have compounded well over 10 years (HIG: +233. 5%, AMSF: +31. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between AMSF and HIG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(AMSF: 10.3% · HIG: 6.1%)Net Margin>
%
(AMSF: 14.3% · HIG: 14.1%)P/E Ratio<
x
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