WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Financial Inc generates 4473% more annual revenue ($15.35B vs $335.66M). AMSF leads profitability with a 14.0% profit margin vs 5.0%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 70/100 (B-).

AMSF

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 7.0Value: 6.3Quality: 3.8
Piotroski: 5/9Altman Z: 0.44

FNF

Strong Buy

70

out of 100

Grade: B-

Growth: 6.0Profit: 5.0Value: 7.0Quality: 5.5
Piotroski: 3/9Altman Z: 0.64

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMSF2 strengths · Avg: 9.0/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

FNF4 strengths · Avg: 8.0/10
PEG RatioValuation
0.858/10

Growing faster than its price suggests

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$1.83B8/10

Generating 1.8B in free cash flow

Areas to Watch

AMSF3 concerns · Avg: 3.0/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

Market CapQuality
$459.14M3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
0.442/10

Distress zone — elevated risk

FNF3 concerns · Avg: 2.7/10
Profit MarginProfitability
5.0%3/10

5.0% 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 13.4% demonstrates continued momentum.

Bull Case : FNF

The strongest argument for FNF centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 10.5% 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, Altman Z-Score.

Bear Case : FNF

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

Key Dynamics to Monitor

FNF carries more volatility with a beta of 0.98 — expect wider price swings.

AMSF is growing revenue faster at 13.4% — sustainability is the question.

FNF generates stronger free cash flow (1.8B), providing more financial flexibility.

Monitor INSURANCE - SPECIALTY industry trends, competitive dynamics, and regulatory changes.

Bottom Line

FNF scores higher overall (70/100 vs 66/100) and 10.5% revenue growth. Both earn "Strong Buy" and "Strong 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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