AMSF
AMERISAFE, Inc.
Insurance - Specialty
Market Cap$569M
5Y Perf.-50.6%
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Stock Comparison
AMSF vs TRV
Revenue, margins, valuation, and 5-year total return — side by side.
TRV
The Travelers Companies, Inc.
Insurance - Property & Casualty
Market Cap$64.62B
5Y Perf.+179.4%
AMSF vs TRV — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | AMSF | TRV |
|---|---|---|
| Industry | Insurance - Specialty | Insurance - Property & Casualty |
| Market Cap | $569M | $64.62B |
| Revenue (TTM) | $325M | $48.83B |
| Net Income (TTM) | $46M | $6.29B |
| Gross Margin | 47.6% | 36.9% |
| Operating Margin | 17.8% | 16.0% |
| Forward P/E | 14.4x | 10.7x |
| Total Debt | $491K | $9.27B |
| Cash & Equiv. | $62M | $842M |
AMSF vs TRV — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
AMSF
TRV
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| AMERISAFE, Inc. (AMSF) | 100 | 49.4 | -50.6% |
| The Travelers Compa… (TRV) | 100 | 279.4 | +179.4% |
Price return only. Dividends and distributions are not included.
Quick Verdict: AMSF vs TRV
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: TRV leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. AMERISAFE, Inc. is the stronger pick specifically for profitability and margin quality and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
AMSF
AMERISAFE, Inc.
The Insurance Pick
AMSF is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.23, Low D/E 0.2%, current ratio 0.32x
- Beta 0.23, yield 8.4%, current ratio 0.32x
- Combined ratio 0.8 vs TRV's 0.8 (lower = better underwriting)
Best for: sleep-well-at-night and defensive
TRV
The Travelers Companies, Inc.
The Insurance Pick
TRV carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 20 yrs, beta 0.22, yield 1.4%
- Rev growth 5.2%, EPS growth 27.8%, 3Y rev CAGR 9.8%
- 201.4% 10Y total return vs AMSF's 31.8%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | TRV | 5.2% revenue growth vs AMSF's 2.6% |
| Value | TRV | Lower P/E (10.7x vs 14.4x) |
| Quality / Margins | AMSF | Combined ratio 0.8 vs TRV's 0.8 (lower = better underwriting) |
| Stability / Safety | TRV | Beta 0.22 vs AMSF's 0.23 |
| Dividends | AMSF | 8.4% yield, vs TRV's 1.4% |
| Momentum (1Y) | TRV | +12.8% vs AMSF's -29.2% |
| Efficiency (ROA) | AMSF | 5.6% ROA vs TRV's 4.4%, ROIC 21.9% vs 15.3% |
AMSF vs TRV — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
AMSF vs TRV — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLTRVLAGGINGAMSF
AMSFAMERISAFE, Inc.
2leads
TRVThe Travelers Compani…
3leads
6 Total Categories
CATEGORYLEADERvs AMSFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
AMSF4/6
Valuation MetricsMultiples, price ratios, and targets
TRV4/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
AMSF6/7
Total Returns1Y, 3Y, 5Y total returns with dividends
TRV6/6
Risk & VolatilityBeta, volatility, and downside exposure
TRV2/2
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)
TRV is the larger business by revenue, generating $48.8B annually — 150.3x AMSF's $325M. Profitability is closely matched — net margins range from 14.3% (AMSF) to 12.9% (TRV). On growth, AMSF holds the edge at +10.3% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | AMSFAMERISAFE, Inc. | TRVThe Travelers Com… |
|---|---|---|
| RevenueTrailing 12 months | $325M | $48.8B |
| EBITDAEarnings before interest/tax | $58M | $8.5B |
| Net IncomeAfter-tax profit | $46M | $6.3B |
| Free Cash FlowCash after capex | $8M | $7.9B |
| Gross MarginGross profit ÷ Revenue | +47.6% | +36.9% |
| Operating MarginEBIT ÷ Revenue | +17.8% | +16.0% |
| Net MarginNet income ÷ Revenue | +14.3% | +12.9% |
| FCF MarginFCF ÷ Revenue | +2.5% | +16.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.3% | +3.5% |
| EPS Growth (YoY)Latest quarter vs prior year | -8.5% | +23.4% |
AMSF leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
TRV leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
At 10.9x trailing earnings, TRV trades at a 11% valuation discount to AMSF's 12.3x P/E. On an enterprise value basis, AMSF's 8.5x EV/EBITDA is more attractive than TRV's 8.6x.
| Metric | AMSFAMERISAFE, Inc. | TRVThe Travelers Com… |
|---|---|---|
| Market CapShares × price | $569M | $64.6B |
| Enterprise ValueMkt cap + debt − cash | $508M | $73.0B |
| Trailing P/EPrice ÷ TTM EPS | 12.27x | 10.90x |
| Forward P/EPrice ÷ next-FY EPS est. | 14.42x | 10.69x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.52x |
| EV / EBITDAEnterprise value multiple | 8.53x | 8.62x |
| Price / SalesMarket cap ÷ Revenue | 1.80x | 1.32x |
| Price / BookPrice ÷ Book value/share | 2.30x | 2.07x |
| Price / FCFMarket cap ÷ FCF | 63.83x | — |
TRV leads this category, winning 4 of 5 comparable metrics.
Profitability & Efficiency
AMSF leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
TRV delivers a 19.1% return on equity — every $100 of shareholder capital generates $19 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 TRV's 0.28x.
| Metric | AMSFAMERISAFE, Inc. | TRVThe Travelers Com… |
|---|---|---|
| ROE (TTM)Return on equity | +9.7% | +19.1% |
| ROA (TTM)Return on assets | +5.6% | +4.4% |
| ROICReturn on invested capital | +21.9% | +15.3% |
| ROCEReturn on capital employed | +16.8% | +8.6% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.00x | 0.28x |
| Net DebtTotal debt minus cash | -$61M | $8.4B |
| Cash & Equiv.Liquid assets | $62M | $842M |
| Total DebtShort + long-term debt | $491,000 | $9.3B |
| Interest CoverageEBIT ÷ Interest expense | — | 19.34x |
AMSF leads this category, winning 6 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
TRV leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in TRV five years ago would be worth $19,818 today (with dividends reinvested), compared to $8,110 for AMSF. Over the past 12 months, TRV leads with a +12.8% total return vs AMSF's -29.2%. The 3-year compound annual growth rate (CAGR) favors TRV at 19.5% vs AMSF's -9.1% — a key indicator of consistent wealth creation.
| Metric | AMSFAMERISAFE, Inc. | TRVThe Travelers Com… |
|---|---|---|
| YTD ReturnYear-to-date | -18.3% | +5.2% |
| 1-Year ReturnPast 12 months | -29.2% | +12.8% |
| 3-Year ReturnCumulative with dividends | -24.8% | +70.6% |
| 5-Year ReturnCumulative with dividends | -18.9% | +98.2% |
| 10-Year ReturnCumulative with dividends | +31.8% | +201.4% |
| CAGR (3Y)Annualised 3-year return | -9.1% | +19.5% |
TRV leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
TRV leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
TRV is the less volatile stock with a 0.22 beta — it tends to amplify market swings less than AMSF's 0.23 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. TRV currently trades 95.4% 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. | TRVThe Travelers Com… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.23x | 0.22x |
| 52-Week HighHighest price in past year | $48.54 | $313.12 |
| 52-Week LowLowest price in past year | $29.42 | $249.19 |
| % of 52W HighCurrent price vs 52-week peak | +62.4% | +95.4% |
| RSI (14)Momentum oscillator 0–100 | 34.2 | 50.5 |
| Avg Volume (50D)Average daily shares traded | 212K | 1.3M |
TRV leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — AMSF and TRV each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates AMSF as "Buy" and TRV as "Hold". Consensus price targets imply 46.9% upside for AMSF (target: $45) vs 4.7% for TRV (target: $313). For income investors, AMSF offers the higher dividend yield at 8.41% vs TRV's 1.44%.
| Metric | AMSFAMERISAFE, Inc. | TRVThe Travelers Com… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $44.50 | $313.00 |
| # AnalystsCovering analysts | 6 | 43 |
| Dividend YieldAnnual dividend ÷ price | +8.4% | +1.4% |
| Dividend StreakConsecutive years of raises | 0 | 20 |
| Dividend / ShareAnnual DPS | $2.55 | $4.30 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.1% | +4.8% |
Evenly matched — AMSF and TRV each lead in 1 of 2 comparable metrics.
Key Takeaway
TRV leads in 3 of 6 categories (Valuation Metrics, Total Returns). AMSF leads in 2 (Income & Cash Flow, Profitability & Efficiency). 1 tied.
Best OverallThe Travelers Companies, In… (TRV)Leads 3 of 6 categories
Loading custom metrics...
AMSF vs TRV: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is AMSF or TRV a better buy right now?
For growth investors, The Travelers Companies, Inc.
(TRV) is the stronger pick with 5. 2% revenue growth year-over-year, versus 2. 6% for AMERISAFE, Inc. (AMSF). The Travelers Companies, Inc. (TRV) offers the better valuation at 10. 9x trailing P/E (10. 7x 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 TRV?
On trailing P/E, The Travelers Companies, Inc.
(TRV) is the cheapest at 10. 9x versus AMERISAFE, Inc. at 12. 3x. On forward P/E, The Travelers Companies, Inc. is actually cheaper at 10. 7x.
03Which is the better long-term investment — AMSF or TRV?
Over the past 5 years, The Travelers Companies, Inc.
(TRV) delivered a total return of +98. 2%, compared to -18. 9% for AMERISAFE, Inc. (AMSF). Over 10 years, the gap is even starker: TRV returned +201. 4% 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 TRV?
By beta (market sensitivity over 5 years), The Travelers Companies, Inc.
(TRV) is the lower-risk stock at 0. 22β versus AMERISAFE, Inc. 's 0. 23β — meaning AMSF is approximately 4% more volatile than TRV relative to the S&P 500. On balance sheet safety, AMERISAFE, Inc. (AMSF) carries a lower debt/equity ratio of 0% versus 28% for The Travelers Companies, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — AMSF or TRV?
By revenue growth (latest reported year), The Travelers Companies, Inc.
(TRV) is pulling ahead at 5. 2% versus 2. 6% for AMERISAFE, Inc. (AMSF). On earnings-per-share growth, the picture is similar: The Travelers Companies, Inc. grew EPS 27. 8% year-over-year, compared to -14. 5% for AMERISAFE, Inc.. Over a 3-year CAGR, TRV leads at 9. 8% 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 TRV?
AMERISAFE, Inc.
(AMSF) is the more profitable company, earning 14. 9% net margin versus 12. 9% for The Travelers Companies, 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. 0% for TRV. 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 TRV more undervalued right now?
On forward earnings alone, The Travelers Companies, Inc.
(TRV) trades at 10. 7x forward P/E versus 14. 4x for AMERISAFE, Inc. — 3. 7x 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 TRV?
All stocks in this comparison pay dividends.
AMERISAFE, Inc. (AMSF) offers the highest yield at 8. 4%, versus 1. 4% for The Travelers Companies, Inc. (TRV).
09Is AMSF or TRV better for a retirement portfolio?
For long-horizon retirement investors, The Travelers Companies, Inc.
(TRV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 22), 1. 4% yield, +201. 4% 10Y return). Both have compounded well over 10 years (TRV: +201. 4%, 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 TRV?
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% · TRV: 3.5%)Net Margin>
%
(AMSF: 14.3% · TRV: 12.9%)P/E Ratio<
x
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