AmTrust Financial Services, Inc. (AFSIA)
ValueMarkers Composite Index
47% below intrinsic value ($26)
AmTrust Financial Services, Inc. (AFSIA) — VMCI valuation read
AmTrust Financial Services, Inc. sits at VMCI 48/100, with the Financial Services sector median at 50. That 2-point spread is the first thing to note on AFSIA: 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 AFSIA 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 AFSIA: AFSIA trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of 0.2x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.
AFSIA rose 3.3% over the trailing 7 days, with a -11.6% read on a 30-day basis.
AmTrust Financial Services, Inc. operates as a property and casualty company. It offers automobile, commercial auto liability, liability, products liability, marine, inland marine, multi-peril, commercial multiple peril (liability portion), workers' compensation, and other property and casualty insurance. It was founded in 1998 and is headquartered in New York, New York.
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