AMERISAFE Inc (AMSF)vsRyan Specialty Group Holdings Inc (RYAN)
AMSF
AMERISAFE Inc
$32.84
-0.79%
FINANCIAL SERVICES · Cap: $611.07M
RYAN
Ryan Specialty Group Holdings Inc
$33.50
-0.06%
FINANCIAL SERVICES · Cap: $8.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Ryan Specialty Group Holdings Inc generates 844% more annual revenue ($2.99B vs $317.30M). AMSF leads profitability with a 14.9% profit margin vs 2.1%. AMSF trades at a lower P/E of 13.1x. AMSF earns a higher WallStSmart Score of 60/100 (C).
AMSF
Buy60
out of 100
Grade: C
RYAN
Buy54
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
-95.7%
Fair Value
$22.00
Current Price
$33.50
$11.50 premium
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
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 19.2%
Distress zone — elevated risk
2.1% margin — thin
Weak financial health signals
Premium valuation, high expectations priced in
Distress zone — elevated risk
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 : RYAN
The strongest argument for RYAN centers on EPS Growth. Revenue growth of 13.6% 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 71.3x leaves little room for execution misses. Debt-to-equity of 5.68 is elevated, increasing financial risk.
Key Dynamics to Monitor
RYAN carries more volatility with a beta of 0.65 — expect wider price swings.
RYAN is growing revenue faster at 13.6% — sustainability is the question.
RYAN generates stronger free cash flow (246M), providing more financial flexibility.
Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
AMSF scores higher overall (60/100 vs 54/100) and 10.2% 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, focused on delivering innovative risk management services across diverse sectors. The company leverages a vast network of insurance wholesale operations and underwriting expertise to meet the complex needs of its clients, backed by strong relationships with insurers and distribution channels. By integrating advanced technology and analytics, Ryan Specialty enhances underwriting efficiencies and client results, positioning itself as a key player in the evolving insurance landscape. With a commitment to strategic growth initiatives, the company is poised to create sustainable shareholder value in a dynamic market.
Visit Website →Compare with Other INSURANCE - SPECIALTY Stocks
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