AMERISAFE Inc (AMSF)vsFidelity National Financial Inc (FNF)
AMSF
AMERISAFE Inc
$32.84
-0.79%
FINANCIAL SERVICES · Cap: $611.07M
FNF
Fidelity National Financial Inc
$44.79
+1.31%
FINANCIAL SERVICES · Cap: $11.99B
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Financial Inc generates 4471% more annual revenue ($14.51B vs $317.30M). AMSF leads profitability with a 14.9% profit margin vs 4.2%. FNF appears more attractively valued with a PEG of 0.85. FNF earns a higher WallStSmart Score of 72/100 (B).
AMSF
Buy60
out of 100
Grade: C
FNF
Strong Buy72
out of 100
Grade: B
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
+44.8%
Fair Value
$103.43
Current Price
$44.79
$58.64 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
Reasonable price relative to book value
Earnings expanding 37.1% YoY
Generating 1.8B in free cash flow
Areas to Watch
Expensive relative to growth rate
Smaller company, higher risk/reward
Earnings declined 19.2%
Distress zone — elevated risk
ROE of 7.8% — below average capital efficiency
4.2% margin — thin
Weak financial health signals
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 : FNF
The strongest argument for FNF centers on PEG Ratio, Price/Book, EPS Growth. Revenue growth of 12.3% 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 Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.2% margins leave little buffer for downturns.
Key Dynamics to Monitor
FNF carries more volatility with a beta of 1.03 — expect wider price swings.
FNF is growing revenue faster at 12.3% — 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 (72/100 vs 60/100) and 12.3% 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.
Visit Website →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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