AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 (AFFT) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
Market cap $3.02B is the value of all shares combined. Beta 0.04: the stock has moved about 96% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 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 7.5 % Notes 2015-15.9.55 (AFFT) trades at $15.30. AmTrust Financial Services, Inc. is a multinational property and casualty insurer focusing on small- to mid-sized businesses. Market cap: $3.02B, Sector: Financials.
Price as of · Last analyzed: Mar 16, 2026Analyst Coverage for AFFT: AFFT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage.
Not scored: this is a debt/preferred or other non-common instrument, or its reported market value does not match its share basis.
AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 (AFFT) Financial Services Profile
AmTrust Financial Services, Inc., established in 1998, is a diversified property and casualty insurer specializing in coverage for small- to mid-sized businesses. With a focus on niche markets and low-hazard risks, AmTrust operates as a multinational company, offering workers' compensation and other insurance products.
What Is the Investment Thesis for AFFT?
AmTrust Financial Services presents a complex investment case. The company's focus on small- to mid-sized businesses provides a degree of insulation from broader economic downturns, as these businesses often require consistent insurance coverage. However, the company's negative P/E ratio of -8.58 and a negative profit margin of -5.9% raise concerns about its current profitability. Potential catalysts include strategic acquisitions that expand AmTrust's market reach and product offerings. The company's low beta of 0.04 suggests that the stock is relatively insensitive to market fluctuations, which could be attractive to risk-averse investors. However, the lack of a dividend yield may deter income-seeking investors. The company's ability to improve its underwriting performance and reduce its expense ratio will be critical to its long-term success.
Based on FMP financials and quantitative analysis
AFFT Key Highlights
Market capitalization of $3.02B indicates a mid-sized insurance company.
- Negative P/E ratio of -8.58 suggests the company is currently unprofitable.
- Profit margin of -5.9% reflects challenges in achieving profitability.
- Gross margin of 0.1% indicates a narrow difference between revenue and cost of goods sold.
- Low beta of 0.04 suggests the stock is less volatile than the overall market.
Who Are AFFT's Competitors?
AFFT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| AFSIB AmTrust Financial Services, Inc. | $13.76 | +0.29% | $2.72B | — |
| SLDE Slide Insurance Holdings, Inc. | $23.61 | -0.08% | $2.76B | 100 5-pillar |
| PLMR Palomar Holdings, Inc. | $126.49 | +0.44% | $3.35B | 89 5-pillar |
| LMND Lemonade, Inc. | $46.49 | -0.58% | $3.57B | — |
| HCI HCI Group, Inc. | $184.25 | +1.58% | $2.35B | 98 5-pillar |
| SKWD Skyward Specialty Insurance Group, Inc. | $55.01 | +0.42% | $2.23B | 82 5-pillar |
| HGTY Hagerty, Inc. | $13.61 | +1.11% | $4.67B | 59 5-pillar |
| AFGD American Financial Group, Inc. | $22.10 | -0.18% | $1.84B | 87 5-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AFFT's Key Strengths?
Focus on niche markets with less competition.
- Expertise in underwriting low-hazard risks.
- Established distribution network.
- Global presence provides diversification.
What Are AFFT's Weaknesses?
Negative P/E ratio indicates current unprofitability.
- Low gross margin suggests challenges in cost management.
- Reliance on independent agents and brokers can limit control.
- Exposure to regulatory changes in multiple jurisdictions.
What Are the Key Risks for AFFT?
Negative return on equity (-10.8%) — the business is not currently generating profit on shareholder capital.
- Intense competition from larger insurance companies.
- Economic downturns can reduce demand for insurance.
- Regulatory changes can increase compliance costs.
- Catastrophic events can lead to significant claims losses.
- Negative P/E ratio and low gross margin indicate financial challenges.
What Are AFFT's Competitive Advantages?
- Niche focus on small- to mid-sized businesses.
- Expertise in underwriting low-hazard risks.
- Established network of independent agents and brokers.
- Global presence with operations in multiple regions.
What Does AFFT Do?
AmTrust Financial Services, Inc. was founded in 1998 with the initial goal of providing workers' compensation insurance to small businesses throughout the United States. Over the years, the company has strategically expanded its operations through a combination of acquisitions and organic growth. This expansion has transformed AmTrust into a multinational property and casualty insurer, catering primarily to the insurance needs of small- to mid-sized businesses. AmTrust's business model is built upon a foundation of financial stability, achieved through a deliberate strategy of niche diversification. The company focuses on underwriting low-hazard risks, which helps to mitigate potential losses and ensure consistent profitability. AmTrust offers a range of insurance products, including workers' compensation, commercial package policies, and specialty risk coverage. These products are distributed through a network of independent agents, brokers, and program administrators. AmTrust operates across multiple geographic regions, including North America, Europe, and Asia. This global presence provides the company with access to diverse markets and reduces its reliance on any single geographic area. AmTrust competes with other large insurance companies, as well as smaller, niche-focused insurers. The company differentiates itself through its focus on small- to mid-sized businesses, its expertise in niche markets, and its commitment to providing high-quality customer service.
What Products and Services Does AFFT Offer?
- Provides workers' compensation insurance to small businesses.
- Offers property and casualty insurance products.
- Specializes in coverage for small- to mid-sized businesses.
- Underwrites low-hazard risks.
- Distributes insurance products through independent agents and brokers.
- Operates in North America, Europe, and Asia.
How Does AFFT Make Money?
- Generates revenue from premiums paid by policyholders.
- Earns investment income from its investment portfolio.
- Manages risk through underwriting and claims management.
- Focuses on niche markets to achieve profitability.
What Industry Does AFFT Operate In?
AmTrust Financial Services operates within the highly competitive property and casualty insurance industry. This industry is characterized by intense competition, evolving regulatory requirements, and the need to adapt to changing customer preferences. Market trends include the increasing use of technology to improve efficiency and enhance customer service, as well as the growing importance of data analytics in underwriting and risk management. AmTrust competes with both large, established insurance companies and smaller, niche-focused insurers. The company's focus on small- to mid-sized businesses and its expertise in niche markets provide it with a competitive advantage.
Who Are AFFT's Key Customers?
- Small businesses across various industries.
- Mid-sized businesses seeking property and casualty insurance.
- Independent agents and brokers who distribute AmTrust's products.
- Program administrators who manage specific insurance programs.
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
Key Financial Metrics
Return on equity for AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 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.
AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 (AFFT) Valuation Context
Valued at $3.02B, AFFT is classified as a mid-cap stock.
Company Profile
AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 operates in the Financial Services sector. It is headquartered in New York City, US. The company is led by CEO Barry D. Zyskind. AFFT has traded publicly since 2022.
Financial Health
AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55'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 83.72 places it in the safe zone, indicating low near-term bankruptcy risk.
AFFT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Focus on niche markets with less competition.
- Expertise in underwriting low-hazard risks.
- Established distribution network.
- Global presence provides diversification.
Bear Case
- Negative P/E ratio indicates current unprofitability.
- Low gross margin suggests challenges in cost management.
- Reliance on independent agents and brokers can limit control.
- Exposure to regulatory changes in multiple jurisdictions.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
AFFT Latest News
No recent news available for AFFT.
AFFT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for AFFT.
Price Targets
Wall Street price target analysis for AFFT.
AFFT MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for AFFT; grades run from A+ (80-100) to F (below 30).
Leadership: Barry D. Zyskind
Chief Executive Officer
Barry D. Zyskind has served as the Chief Executive Officer of AmTrust Financial Services, Inc. since its inception. His career spans several decades in the insurance and financial services industries. Zyskind's expertise lies in identifying and capitalizing on niche market opportunities. He has been instrumental in guiding AmTrust's strategic direction, overseeing its expansion through acquisitions and organic growth. His leadership has been focused on building a diversified insurance platform with a strong emphasis on risk management and financial stability.
Track Record: Under Barry D. Zyskind's leadership, AmTrust Financial Services has grown from a small workers' compensation insurer to a multinational property and casualty insurance company. He has overseen numerous strategic acquisitions that have expanded the company's market reach and product offerings. Zyskind has also focused on building a strong risk management culture within the organization, which has helped to mitigate potential losses and ensure consistent profitability.
AFFT OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that AmTrust Financial Services may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, and trading activity can be sporadic. Investing in companies on the OTC Other tier carries a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ, due to the potential for less transparency and regulatory oversight. Investors should exercise caution and conduct thorough due diligence before investing in OTC Other stocks.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in AFFT.
- Lower liquidity can make it difficult to buy or sell shares.
- Potential for price manipulation is higher on the OTC market.
- Lack of regulatory oversight increases the risk of fraud or mismanagement.
- OTC Other tier status suggests the company may not meet minimum financial standards.
- Verify the company's financial reporting practices.
- Assess the stock's trading volume and bid-ask spread.
- Research the company's management team and their track record.
- Review any available news articles or press releases about the company.
- Consult with a financial advisor before investing.
- Understand the risks associated with investing in OTC stocks.
- Confirm the company's legal and regulatory compliance.
- Established history as an insurance provider (founded in 1998).
- Focus on providing insurance to small and mid-sized businesses.
- Multinational presence with operations in North America, Europe, and Asia.
- CEO with extensive experience in the insurance industry.
- Commitment to niche diversity and low-hazard risk management.
AmTrust Financial Services Inc 7.5 % Notes 2015-15.9.55 Financials Stock: Key Questions Answered
What do analysts say about AFFT stock?
Analyst sentiment on AFFT is currently difficult to gauge due to the limited coverage and the company's OTC listing. Key valuation metrics, such as the negative P/E ratio, suggest that the company is currently unprofitable.
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
MoonshotScore is not published for this security.
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited.