AmTrust Financial Services, Inc. (AFSIC) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $2.98B is the value of all shares combined. Beta 0.36: the stock has moved about 64% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gpt-4o-mini, generated Jun 15, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerAmTrust Financial Services, Inc. (AFSIC) trades at $15.09. AmTrust Financial Services, Inc. is a property and casualty insurance provider, offering a range of coverage options including automobile and workers' compensation insurance. Market cap: $2.98B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for AFSIC: AFSIC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates AFSIC against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
No score published: this stock trades under $10,000 on a typical day, so the price beside it is not one you could reliably act on.
AFSIC: 1/2 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
AmTrust Financial Services, Inc. (AFSIC) Financial Services Profile
AmTrust Financial Services, Inc. is a leading provider of property and casualty insurance, specializing in a comprehensive range of coverage options tailored for commercial clients, with a strong focus on risk management and customer service in a competitive market.
What Is the Investment Thesis for AFSIC?
AmTrust Financial Services, Inc. presents a unique investment thesis characterized by its comprehensive insurance offerings and strategic market positioning. The company operates with a market capitalization of $2.98B, and despite a current profit margin of -5.9%, it is poised for potential recovery as it focuses on improving operational efficiencies and risk management practices. Key value drivers include its established reputation in the property and casualty insurance sector, a diverse product portfolio, and a significant employee base that enhances its service capabilities. Growth catalysts include the increasing demand for commercial insurance products, which is projected to expand as businesses continue to navigate complex risk environments. Additionally, AmTrust's focus on innovation in underwriting and claims processing could lead to improved profitability metrics over the next few years. However, investors should remain cognizant of ongoing challenges in the insurance market, including regulatory pressures and competition from larger insurers, which could impact future performance.
Based on FMP financials and quantitative analysis
AFSIC Key Highlights
Market Cap of $2.98B, indicating a significant presence in the property and casualty insurance sector.
- Profit Margin of -5.9%, highlighting current operational challenges but potential for future improvement.
- Gross Margin of 0.1%, reflecting the company's pricing strategies and cost management efforts.
- Beta of 0.36, suggesting lower volatility compared to the broader market, appealing to risk-averse investors.
- No dividend yield, indicating a focus on reinvestment for growth rather than returning capital to shareholders.
Who Are AFSIC's Competitors?
AFSIC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| MNGPF Man Group Limited | $4.06 | 0.00% | $4.51B | — |
| SLDE Slide Insurance Holdings, Inc. | $24.45 | -1.05% | $2.86B | 1005-pillar |
| PLMR Palomar Holdings, Inc. | $132.12 | -0.60% | $3.50B | 785-pillar |
| HCI HCI Group, Inc. | $185.49 | -0.59% | $2.37B | 985-pillar |
| LMND Lemonade, Inc. | $49.61 | +0.80% | $3.81B | — |
| SKWD Skyward Specialty Insurance Group, Inc. | $56.30 | -0.09% | $2.28B | 885-pillar |
| STC Stewart Information Services Co | $66.56 | -0.64% | $2.03B | 665-pillar |
| HMN Horace Mann Educators Corporation | $48.77 | -1.53% | $1.97B | 925-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AFSIC's Key Strengths?
Strong brand recognition in the property and casualty insurance market.
- Diverse range of insurance products catering to various industries.
- Expertise in risk management and underwriting processes.
- Large employee base providing operational support and customer service.
What Are AFSIC's Weaknesses?
Current negative profit margin indicating operational challenges.
- Limited dividend offerings may deter income-focused investors.
- Dependence on commercial markets which can be cyclical.
- Potential regulatory pressures impacting business operations.
What Could Drive AFSIC Stock Higher?
Potential recovery in profit margins as operational efficiencies improve.
- Expansion of product offerings to meet growing demand in commercial markets.
- Continued investment in technology to enhance underwriting and claims processing.
- Strategic partnerships to enter emerging markets and diversify revenue streams.
- Focus on improving customer service and risk management practices.
What Are the Key Risks for AFSIC?
Financial-distress signal — its Altman Z-Score of 0.17 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-10.8%) — the business is not currently generating profit on shareholder capital.
- Regulatory changes impacting operational costs and compliance.
- Intense competition from larger insurance providers affecting market share.
- Economic downturns leading to reduced premium collections.
- Rising claims costs due to natural disasters and unforeseen events.
What Are the Growth Opportunities for AFSIC?
- Growth opportunity 1: The increasing demand for commercial auto liability insurance presents a significant growth driver for AmTrust. With businesses expanding their fleets and facing stricter regulations, the commercial auto insurance market is expected to grow at a CAGR of 5% over the next five years. AmTrust's expertise in this area positions it to capture a larger market share.
- Growth opportunity 2: The workers' compensation insurance segment is projected to see substantial growth, driven by rising employment rates and the need for businesses to protect their workforce. This market is expected to reach $60 billion by 2028, providing AmTrust with an opportunity to enhance its offerings and improve profitability through innovative risk management solutions.
- Growth opportunity 3: AmTrust can leverage advancements in technology to streamline underwriting and claims processing, enhancing operational efficiency. This technological integration could lead to reduced costs and improved customer satisfaction.
- Growth opportunity 4: Expanding into emerging markets presents a growth avenue for AmTrust. As global insurance penetration remains low, particularly in developing regions, AmTrust can explore partnerships and localized products to tap into these markets, potentially increasing its revenue streams significantly.
- Growth opportunity 5: The demand for multi-peril insurance products is rising due to the increasing complexity of risks faced by businesses. This segment is expected to grow at a CAGR of 4% over the next five years. AmTrust's diverse product offerings position it well to meet this demand and enhance its market presence.
What Are AFSIC's Competitive Advantages?
- Established reputation in the property and casualty insurance sector.
- Diverse product portfolio catering to various commercial needs.
- Strong focus on risk management and customer service.
- Extensive employee base enhancing operational capabilities.
- Technological integration improving efficiency and customer experience.
What Does AFSIC Do?
AmTrust Financial Services, Inc. was founded in 1998 and has established itself as a prominent player in the property and casualty insurance sector. Headquartered in New York City, the company provides a diverse array of insurance products, including automobile, commercial auto liability, liability, products liability, marine, inland marine, multi-peril, commercial multiple peril (liability portion), and workers' compensation insurance. Over the years, AmTrust has evolved to meet the changing needs of its clients, focusing on delivering tailored insurance solutions that address specific risks faced by businesses. With a workforce of approximately 9,300 employees, the company has developed a robust operational framework that supports its extensive product offerings. AmTrust's strategic positioning within the insurance market is underscored by its commitment to innovation and customer service, allowing it to maintain a competitive edge in a crowded marketplace. The company serves a wide range of industries, catering primarily to commercial clients, and has built a reputation for its expertise in risk assessment and management. As it continues to expand its footprint, AmTrust remains dedicated to providing high-quality insurance solutions that protect businesses and their assets.
What Products and Services Does AFSIC Offer?
- Provide a range of property and casualty insurance products.
- Specialize in commercial auto liability and workers' compensation insurance.
- Offer tailored insurance solutions for various industries.
- Focus on risk management and customer service excellence.
- Utilize technology to enhance underwriting and claims processing.
- Serve a diverse clientele with a strong emphasis on commercial markets.
How Does AFSIC Make Money?
- Generate revenue through premiums collected from insurance policies.
- Mitigate risk through diversified product offerings and customer segments.
- Implement effective claims management to control costs and improve profitability.
- Leverage data analytics for better underwriting decisions.
- Focus on operational efficiencies to enhance profit margins.
What Industry Does AFSIC Operate In?
The property and casualty insurance industry is characterized by its resilience and adaptability to economic fluctuations. With a market size projected to grow significantly due to increasing business complexities and regulatory requirements, AmTrust Financial Services, Inc. is well-positioned to capitalize on these trends. The competitive landscape includes both large and niche players, with companies like Man Group Limited (MNGPF) vying for market share. As businesses increasingly seek tailored insurance solutions, the demand for specialized coverage options is expected to rise, creating opportunities for growth within the sector. The industry's growth rate is anticipated to remain robust, driven by technological advancements and evolving customer needs.
Who Are AFSIC's Key Customers?
- Primarily serve commercial clients across various industries.
- Target small to medium-sized enterprises seeking comprehensive insurance solutions.
- Work with businesses requiring specialized coverage options.
- Engage with clients needing risk management services.
- Provide support to companies navigating regulatory compliance.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● No filing on record
- ● No analyst coverage
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 50 |
| 2026-08-26 | 50 |
| 2026-08-29 | 50 |
| 2026-09-01 | 50 |
| 2026-09-04 | 50 |
| 2026-09-07 | 50 |
| 2026-09-10 | 50 |
What changed?
The score has stayed at 50.
Over the same 18 days the stock moved +1.3%.
Company Profile
AmTrust Financial Services, Inc. operates in the Insurance - Property & Casualty industry within the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Barry D. Zyskind. AFSIC has traded publicly since 2014.
AmTrust Financial Services, Inc. (AFSIC) Valuation Context
Valued at $2.98B, AFSIC is classified as a mid-cap stock.
Key Financial Metrics
Return on equity for AmTrust Financial Services, Inc. stands at -10.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.4%, showing how much profit it generates from its asset base. Its free cash flow yield is -18.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.96 means current liabilities exceed short-term assets, a liquidity point worth watching.
Financial Health
AmTrust Financial Services, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.17 places it in the distress zone, a signal of elevated financial risk.
AFSIC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong brand recognition in the property and casualty insurance market.
- Diverse range of insurance products catering to various industries.
- Expertise in risk management and underwriting processes.
- Large employee base providing operational support and customer service.
Bear Case
- Current negative profit margin indicating operational challenges.
- Limited dividend offerings may deter income-focused investors.
- Dependence on commercial markets which can be cyclical.
- Potential regulatory pressures impacting business operations.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
AFSIC Latest News
No recent news available for AFSIC.
AFSIC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for AFSIC.
Price Targets
Wall Street price target analysis for AFSIC.
AFSIC MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for AFSIC; grades run from A+ (80-100) to F (below 30).
Leadership: Barry Dov Zyskind
CEO
Barry Dov Zyskind has extensive experience in the insurance industry, having held various leadership roles prior to becoming CEO of AmTrust Financial Services, Inc. He has a strong background in financial management and operational strategy, which he has leveraged to guide the company through challenging market conditions. Zyskind holds a degree in finance and has been instrumental in shaping the company's growth trajectory since its inception.
Track Record: Under Zyskind's leadership, AmTrust has expanded its product offerings and improved its operational efficiencies. He has focused on enhancing the company's risk management practices and has led initiatives to streamline claims processing, contributing to better customer satisfaction and retention.
AFSIC OTC Market Information
The OTC Other tier represents companies that trade on the over-the-counter market but do not meet the requirements for higher tiers like OTCQX or OTCQB. These companies may have less stringent reporting and disclosure requirements, which can lead to less transparency compared to those listed on major exchanges like NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited visibility and transparency compared to companies listed on major exchanges.
- Potential for higher volatility due to lower trading volumes.
- Regulatory scrutiny may vary, impacting investor confidence.
- Increased risk of fraud and less stringent oversight in the OTC market.
- Review the company's financial statements and disclosures.
- Assess the management team's track record and industry experience.
- Evaluate the competitive landscape and market positioning.
- Consider the company's risk management practices and claims history.
- Investigate any regulatory issues or compliance challenges.
- Established operational history since 1998.
- Presence of a seasoned management team with industry expertise.
- Availability of public financial reports and disclosures.
- Recognition in the insurance sector for its product offerings.
AFSIC Financial Services Stock FAQ
Is AFSIC a good stock?
Stock Expert AI does not rate AFSIC buy, sell or hold. AmTrust Financial Services, Inc. has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
How does AmTrust Financial Services, Inc. manage its risk exposure?
AmTrust Financial Services, Inc. employs a comprehensive risk management strategy that includes thorough underwriting processes and continuous monitoring of claims.
What are the key factors to evaluate for AFSIC?
Evaluate AFSIC on fundamentals, analyst consensus, and risk factors. Market Cap of $2.98B, indicating a significant presence in the property and casualty insurance sector. Not financial advice.
How frequently does AFSIC data refresh on this page?
AFSIC's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven AFSIC's recent stock price performance?
AmTrust Financial Services, Inc. (AFSIC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition in the property and casualty insurance market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AFSIC overvalued or undervalued right now?
AmTrust Financial Services, Inc. (AFSIC) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of AFSIC?
Yes, most major brokerages offer fractional shares of AmTrust Financial Services, Inc. (AFSIC) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track AFSIC's earnings and financial reports?
AmTrust Financial Services, Inc. (AFSIC) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for AFSIC earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The information provided is based on available data and may be subject to change. Investors should conduct their own research.