AmTrust Financial Services, Inc. (AFSIN) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $3.11B 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 14, 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. (AFSIN) trades at $14.07. AmTrust Financial Services, Inc. (AFSIN) is a property and casualty insurance company focused on providing specialty insurance products primarily for small businesses. Market cap: $3.11B, Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for AFSIN: AFSIN 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 AFSIN 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.
AFSIN: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
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. (AFSIN) Financial Services Profile
AmTrust Financial Services, Inc. (AFSIN) specializes in property and casualty insurance, offering a diverse range of products primarily for small businesses, with a focus on leveraging its established distribution network in a competitive market.
What Is the Investment Thesis for AFSIN?
AmTrust Financial Services, Inc. presents a unique investment thesis characterized by its focus on specialty insurance products for small businesses, a sector that has shown resilience and growth potential. The company’s market capitalization stands at $3.11B, with a profit margin of -5.9% and a gross margin of 0.1%, reflecting the challenges it faces in profitability. However, its established distribution network serves as a significant growth catalyst, allowing for improved customer acquisition and retention. The insurance sector is expected to grow, driven by increasing demand for specialized coverage, particularly in the wake of evolving risks faced by small businesses. As AmTrust continues to adapt to market conditions and enhance its product offerings, there is potential for revenue growth and improved financial performance. Monitoring the company's ability to navigate its current OTC listing and any associated regulatory challenges will be crucial for assessing its future performance.
Based on FMP financials and quantitative analysis
AFSIN Key Highlights
Market capitalization of $3.11B indicates a substantial presence in the insurance sector.
- Profit margin of -5.9% reflects current profitability challenges.
- Gross margin of 0.1% highlights the need for operational improvements.
- Employee base of 9,300 supports extensive operational capabilities.
- Beta of 0.36 indicates lower volatility compared to the broader market.
Who Are AFSIN's Competitors?
AFSIN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| 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 |
| LMND Lemonade, Inc. | $49.61 | +0.80% | $3.81B | — |
| HCI HCI Group, Inc. | $185.49 | -0.59% | $2.37B | 985-pillar |
| SKWD Skyward Specialty Insurance Group, Inc. | $56.30 | -0.09% | $2.28B | 885-pillar |
| HGTY Hagerty, Inc. | $13.41 | -0.59% | $4.60B | 595-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 AFSIN's Key Strengths?
Established presence in the specialty insurance market.
- Diverse product offerings catering to various industries.
- Strong distribution network facilitating customer reach.
What Are AFSIN's Weaknesses?
Current negative profit margin indicating financial challenges.
- OTC listing may raise concerns about regulatory compliance.
- Dependence on small business sector, which can be volatile.
What Could Drive AFSIN Stock Higher?
Potential expansion of product offerings to meet increasing demand in specialty insurance.
- Continued adaptation to regulatory changes impacting the insurance sector.
- Enhancement of operational efficiencies through technological investments.
What Are the Key Risks for AFSIN?
Financial-distress signal — its Altman Z-Score of 0.85 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-10.8%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns affecting the stability of small business clients.
- Competitive pressures from other insurance providers in the specialty market.
- Regulatory changes that may impose additional compliance costs.
What Are the Growth Opportunities for AFSIN?
- Growth opportunity 1: The increasing demand for specialty insurance products among small businesses presents a significant growth opportunity for AmTrust. With the small business insurance market projected to reach $100 billion by 2027, AmTrust's focus on tailored coverage can enhance its market share and revenue. The company’s established distribution network positions it well to capitalize on this trend, allowing for effective customer engagement and retention.
- Growth opportunity 2: Technological advancements in the insurance sector, including the adoption of digital platforms for policy management and claims processing, offer AmTrust a chance to streamline operations and improve customer experience. By investing in technology, AmTrust can enhance its service offerings, reduce operational costs, and attract a tech-savvy clientele, potentially increasing its market penetration.
- Growth opportunity 3: Expanding into emerging markets presents a viable growth avenue for AmTrust. As economies in various regions develop, the demand for property and casualty insurance is expected to rise. AmTrust can leverage its expertise in specialty insurance to establish a foothold in these markets, thereby diversifying its revenue streams and reducing dependence on its current markets.
- Growth opportunity 4: Strategic partnerships with other financial service providers can enhance AmTrust's product offerings and distribution capabilities. Collaborations with fintech companies, for instance, can facilitate innovative insurance solutions that meet the evolving needs of customers, thereby driving growth and improving market competitiveness.
- Growth opportunity 5: Regulatory changes that favor the insurance industry could create a more favorable operating environment for AmTrust. By staying ahead of regulatory trends and adapting its business model accordingly, AmTrust can position itself to capitalize on new opportunities that arise from such changes, potentially leading to increased profitability.
What Are AFSIN's Competitive Advantages?
- Established distribution network enhances market reach and customer acquisition.
- Specialization in niche insurance products differentiates AmTrust from competitors.
- Strong brand recognition within the small business insurance sector.
What Does AFSIN Do?
Founded in 1998, AmTrust Financial Services, Inc. is a property and casualty insurance company headquartered in New York City. The company operates as an insurance holding entity, providing a wide 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 established itself as a significant player in the specialty insurance market, primarily catering to the needs of small businesses. The company’s extensive distribution network has been a crucial factor in its growth, enabling it to reach a diverse clientele effectively. Despite facing challenges, including its current listing on the OTC Other tier, AmTrust continues to focus on enhancing its service offerings and maintaining its market presence. The company employs approximately 9,300 individuals, who contribute to its operations across various segments of the insurance industry. As AmTrust navigates its market position, it remains committed to adapting to industry changes and meeting the evolving needs of its customers.
What Products and Services Does AFSIN Offer?
- Provide a range of property and casualty insurance products.
- Specialize in coverage for small businesses.
- Offer automobile and commercial auto liability insurance.
- Provide workers' compensation insurance.
- Offer multi-peril and commercial multiple peril insurance.
- Engage in risk management and loss prevention services.
How Does AFSIN Make Money?
- Generate revenue through premiums collected from insurance policies.
- Utilize a diversified portfolio of insurance products to mitigate risk.
- Leverage established distribution networks for customer acquisition.
- Engage in underwriting practices to assess and manage risk effectively.
What Industry Does AFSIN Operate In?
The property and casualty insurance industry is characterized by a competitive landscape with numerous players vying for market share. As of 2026, the industry is witnessing a shift towards specialty insurance products, particularly for small businesses, which are increasingly recognizing the importance of tailored coverage. Market trends indicate a growing demand for innovative insurance solutions that address unique risks, driven by technological advancements and changing regulatory environments. AmTrust Financial Services, Inc. is positioned within this evolving landscape, focusing on specialty products that cater to small business needs, which are expected to drive growth in the coming years.
Who Are AFSIN's Key Customers?
- Small businesses seeking specialized insurance coverage.
- Commercial clients requiring liability and workers' compensation insurance.
- Industries including automotive, marine, and manufacturing sectors.
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 | 56 |
| 2026-08-26 | 56 |
| 2026-08-29 | 56 |
| 2026-09-01 | 56 |
| 2026-09-04 | 56 |
| 2026-09-07 | 56 |
| 2026-09-10 | 56 |
What changed?
The score has stayed at 56.
Over the same 18 days the stock moved -1.6%.
How AmTrust Financial Services, Inc. Is Valued
AmTrust Financial Services, Inc. carries a market capitalization of $3.11B, placing it in the mid-cap category.
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. AFSIN has traded publicly since 2016.
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 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.85 places it in the distress zone, a signal of elevated financial risk.
AFSIN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Established presence in the specialty insurance market.
- Diverse product offerings catering to various industries.
- Strong distribution network facilitating customer reach.
- Upcoming: Potential expansion of product offerings to meet increasing demand in specialty insurance.
Bear Case
- Current negative profit margin indicating financial challenges.
- OTC listing may raise concerns about regulatory compliance.
- Dependence on small business sector, which can be volatile.
- Potential: Economic downturns affecting the stability of small business clients.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · June 2026
AFSIN Latest News
No recent news available for AFSIN.
AFSIN Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for AFSIN.
Price Targets
Wall Street price target analysis for AFSIN.
AFSIN MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for AFSIN; grades run from A+ (80-100) to F (below 30).
Leadership: Barry Dov Zyskind
CEO
Barry Dov Zyskind has been at the helm of AmTrust Financial Services, Inc. since its founding in 1998. With a strong background in finance and insurance, he has played a pivotal role in shaping the company's strategic direction. Zyskind holds a degree in Economics and has extensive experience in the insurance sector, having held various leadership positions prior to founding AmTrust. His expertise in risk management and underwriting has been instrumental in the company's growth.
Track Record: Under Barry Dov Zyskind's leadership, AmTrust has expanded its product offerings and strengthened its market position in the specialty insurance sector. His strategic decisions have focused on enhancing operational efficiency and building a robust distribution network, contributing to the company's resilience in a competitive market.
AFSIN OTC Market Information
The OTC Other tier represents companies that trade in the over-the-counter market but do not meet the listing requirements of major exchanges like NYSE or NASDAQ. This tier often includes smaller or emerging companies, which may have less transparency and liquidity compared to those listed on larger exchanges.
- OTC Tier: OTC Other
- Limited financial reporting may hinder transparency for investors.
- Lower liquidity can lead to increased volatility in stock price.
- Regulatory scrutiny may impact operations and investor confidence.
- Review the company's financial statements and filings.
- Assess the competitive landscape and market position.
- Monitor regulatory developments affecting the insurance industry.
- Evaluate the management team's experience and track record.
- Investigate customer satisfaction and retention metrics.
- Established presence in the specialty insurance market.
- Robust distribution network supporting customer acquisition.
- Experienced management team with a strong background in insurance.
AmTrust Financial Services, Inc. Financial Services Stock: Key Questions Answered
Is AFSIN a good stock?
Stock Expert AI does not rate AFSIN 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.
What are the main risks for AFSIN?
AmTrust Financial Services, Inc. faces several risks, including economic downturns that could impact the stability of its small business clients, leading to increased claims and reduced premium income.
What are the key factors to evaluate for AFSIN?
Evaluate AFSIN on fundamentals, analyst consensus, and risk factors. AmTrust Financial Services, Inc. presents a unique investment thesis characterized by its focus on specialty insurance products for small businesses, a sector that has shown resilience and growth potential. Not financial advice.
How frequently does AFSIN data refresh on this page?
AFSIN'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 AFSIN's recent stock price performance?
AmTrust Financial Services, Inc. (AFSIN) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in the specialty insurance market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AFSIN overvalued or undervalued right now?
AmTrust Financial Services, Inc. (AFSIN) 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 AFSIN?
Yes, most major brokerages offer fractional shares of AmTrust Financial Services, Inc. (AFSIN) 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 AFSIN's earnings and financial reports?
AmTrust Financial Services, Inc. (AFSIN) 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 AFSIN 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.
- Data sourced from company profile and financial metrics.