AMERISAFE Inc (AMSF)vsMGIC Investment Corp (MTG)
AMSF
AMERISAFE Inc
$32.84
-0.79%
FINANCIAL SERVICES · Cap: $611.07M
MTG
MGIC Investment Corp
$26.01
+0.50%
FINANCIAL SERVICES · Cap: $5.61B
Smart Verdict
WallStSmart Research — data-driven comparison
MGIC Investment Corp generates 282% more annual revenue ($1.21B vs $317.30M). MTG leads profitability with a 60.8% profit margin vs 14.9%. MTG appears more attractively valued with a PEG of 0.40. MTG earns a higher WallStSmart Score of 65/100 (C+).
AMSF
Buy60
out of 100
Grade: C
MTG
Buy65
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-128.7%
Fair Value
$16.80
Current Price
$32.84
$16.04 premium
Margin of Safety
+33.2%
Fair Value
$40.95
Current Price
$26.01
$14.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 61 of every $100 in revenue as profit
Strong operational efficiency at 74.2%
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 19.2%
Distress zone — elevated risk
3.9% earnings growth
Weak financial health signals
Revenue declined 0.9%
Comparative Analysis Report
WallStSmart ResearchBull Case : AMSF
The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 10.2% demonstrates continued momentum.
Bull Case : MTG
The strongest argument for MTG centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 60.8% and operating margin at 74.2%. PEG of 0.40 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 : MTG
The primary concerns for MTG are EPS Growth, Piotroski F-Score, Revenue Growth.
Key Dynamics to Monitor
AMSF profiles as a value stock while MTG is a declining play — different risk/reward profiles.
MTG carries more volatility with a beta of 0.80 — expect wider price swings.
AMSF is growing revenue faster at 10.2% — sustainability is the question.
MTG generates stronger free cash flow (230M), providing more financial flexibility.
Bottom Line
MTG scores higher overall (65/100 vs 60/100), backed by strong 60.8% margins. Both earn "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.
Visit Website →MGIC Investment Corp
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
MGIC Investment Corporation offers private mortgage insurance, other mortgage credit risk management solutions, and ancillary services to lenders and government-sponsored entities in the United States, Puerto Rico, and Guam. The company is headquartered in Milwaukee, Wisconsin.
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