AmTrust Financial Services, Inc. (AFFS)
ValueMarkers Composite Index
100% below intrinsic value ($511,929)
AmTrust Financial Services, Inc. (AFFS) — VMCI valuation read
AmTrust Financial Services, Inc. sits at VMCI 46/100, with the Financial Services sector median at 50. That 4-point spread is the first thing to note on AFFS: it tells the reader the composite is unfavorable before any single ratio is examined, and the mid-cap tier sets the comparison set.
Form 4 disclosures on AFFS are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.
**Investor frame.** The Value read on AFFS: AFFS trades at 22.0x earnings, 22% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of 1.4x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
AFFS rose 4.0% over the trailing 7 days, with a +2.7% read on a 30-day basis.
AmTrust Financial Services, Inc. was founded in 1998 to provide workers' compensation insurance to small businesses across the United States. Through acquisitions and organic growth, AmTrust Financial Services has since grown to become a multinational property and casualty insurer specializing in coverage for small- to mid-sized businesses. AmTrust’s financial stability is based upon a philosophy of niche diversity with a focus on low-hazard risk.
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