AMERISAFE Inc (AMSF)vsRyan Specialty Group Holdings Inc (RYAN)
AMSF
AMERISAFE Inc
$31.70
+2.96%
FINANCIAL SERVICES · Cap: $563.92M
RYAN
Ryan Specialty Group Holdings Inc
$32.56
+2.36%
FINANCIAL SERVICES · Cap: $9.10B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 855% more annual revenue ($3.10B vs $324.78M). AMSF leads profitability with a 14.3% profit margin vs 3.5%. AMSF trades at a lower P/E of 12.4x. AMSF earns a higher WallStSmart Score of 58/100 (C).
AMSF
Buy58
out of 100
Grade: C
RYAN
Buy56
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 110.1% YoY
Every $100 of equity generates 21 in profit
15.8% revenue growth
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 8.5%
Negative free cash flow — burning cash
3.5% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : AMSF
The strongest argument for AMSF centers on P/E Ratio, Price/Book. Revenue growth of 10.3% demonstrates continued momentum.
Bull Case : RYAN
The strongest argument for RYAN centers on EPS Growth, Return on Equity, Revenue Growth. Revenue growth of 15.8% demonstrates continued momentum.
Bear Case : AMSF
The primary concerns for AMSF are PEG Ratio, Market Cap, EPS Growth.
Bear Case : RYAN
The primary concerns for RYAN are Profit Margin, Piotroski F-Score, P/E Ratio. A P/E of 42.1x leaves little room for execution misses. Debt-to-equity of 5.88 is elevated, increasing financial risk.
Key Dynamics to Monitor
AMSF profiles as a value stock while RYAN is a growth play — different risk/reward profiles.
RYAN carries more volatility with a beta of 0.64 — expect wider price swings.
RYAN is growing revenue faster at 15.8% — sustainability is the question.
AMSF generates stronger free cash flow (-3M), providing more financial flexibility.
Bottom Line
AMSF scores higher overall (58/100 vs 56/100) and 10.3% revenue growth. 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 →Ryan Specialty Group Holdings Inc
FINANCIAL SERVICES · INSURANCE - SPECIALTY · USA
Ryan Specialty Group Holdings Inc is a leading provider of specialty insurance solutions, renowned for its innovative risk management services tailored to meet the diverse needs of its clients across various sectors. The company leverages its extensive network of insurance wholesale operations and underwriting proficiency to foster effective partnerships with insurers and distribution channels. By integrating advanced technology and analytics into its operations, Ryan Specialty enhances underwriting efficiencies and client outcomes, reinforcing its significance in the dynamic insurance landscape. With a strategic emphasis on growth and operational excellence, Ryan Specialty is well-positioned to create sustainable shareholder value amid an increasingly competitive market.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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