WallStSmart

AMERISAFE Inc (AMSF)vsFidelity National Financial Inc (FNF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 4507% more annual revenue ($14.96B vs $324.78M). AMSF leads profitability with a 14.3% profit margin vs 5.1%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 78/100 (B+).

AMSF

Buy

58

out of 100

Grade: C

Growth: 4.0Profit: 6.5Value: 5.7Quality: 3.8
Piotroski: 5/9Altman Z: 0.44

FNF

Strong Buy

78

out of 100

Grade: B+

Growth: 8.0Profit: 5.5Value: 7.0Quality: 5.5
Piotroski: 3/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMSF2 strengths · Avg: 8.0/10
P/E RatioValuation
12.4x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

FNF5 strengths · Avg: 8.4/10
EPS GrowthGrowth
200.0%10/10

Earnings expanding 200.0% YoY

PEG RatioValuation
0.858/10

Growing faster than its price suggests

P/E RatioValuation
17.1x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.7%8/10

16.7% revenue growth

Areas to Watch

AMSF4 concerns · Avg: 2.8/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

Market CapQuality
$563.92M3/10

Smaller company, higher risk/reward

EPS GrowthGrowth
-8.5%2/10

Earnings declined 8.5%

Free Cash FlowQuality
$-2.72M2/10

Negative free cash flow — burning cash

FNF3 concerns · Avg: 2.7/10
Profit MarginProfitability
5.1%3/10

5.1% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.642/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : AMSF

The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 10.3% demonstrates continued momentum.

Bull Case : FNF

The strongest argument for FNF centers on EPS Growth, PEG Ratio, P/E Ratio. Revenue growth of 16.7% demonstrates continued momentum. PEG of 0.85 suggests the stock is reasonably priced for its growth.

Bear Case : AMSF

The primary concerns for AMSF are PEG Ratio, Market Cap, EPS Growth.

Bear Case : FNF

The primary concerns for FNF are Profit Margin, Piotroski F-Score, Altman Z-Score.

Key Dynamics to Monitor

AMSF profiles as a value stock while FNF is a growth play — different risk/reward profiles.

FNF carries more volatility with a beta of 1.02 — expect wider price swings.

FNF is growing revenue faster at 16.7% — sustainability is the question.

FNF generates stronger free cash flow (848M), providing more financial flexibility.

Bottom Line

FNF scores higher overall (78/100 vs 58/100) and 16.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

AMERISAFE Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

AMERISAFE, Inc., an insurance holding company, writes workers' compensation insurance in the United States. The company is headquartered in DeRidder, Louisiana.

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Fidelity National Financial Inc

FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA

Fidelity National Financial, Inc. offers various insurance products in the United States. The company is headquartered in Jacksonville, Florida.

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