AmTrust Financial Services, Inc. (AFSIC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
AmTrust Financial Services, Inc. (AFSIC) trades at $15.22 with AI Score 50/100 (Grade B). AmTrust Financial Services, Inc. Market cap: $3.01B, Sector: Financial services.
Price live · AI analysis from 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 mixed fundamental profile based on the underlying data.
AFSIC: the 1 perspectives are evenly split.
How is this calculated? →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 $3.01B, 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 $3.01B, 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 | AI Score |
|---|---|---|---|---|
| MNGPF Man Group Limited | $3.99 | +3.64% | $4.45B | — |
| BZLYF Beazley plc | $17.30 | +0.00% | $10.23B | 70 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| SKWD Skyward Specialty Insurance Group, Inc. | $59.63 | -2.91% | $2.42B | 64 |
| AII American Integrity Insurance Group, Inc. | $18.89 | -2.00% | $369.97M | 63 |
| AFSIB AmTrust Financial Services, Inc. | $14.70 | +0.00% | $2.91B | 50 |
| IAUGY Insurance Australia Group Limited | $28.05 | -6.34% | $13.12B | 50 |
| AFSIA AmTrust Financial Services, Inc. | $13.18 | +0.00% | $2.61B | 50 |
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. The adoption of insurtech solutions is expected to grow, with the global insurtech market projected to reach $10 billion by 2025. 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 Opportunities Does AFSIC Have?
- Growing demand for specialized insurance products in emerging markets.
- Technological advancements enhancing underwriting and claims processing.
- Expansion into new geographic markets to diversify revenue streams.
- Increasing awareness of risk management solutions among businesses.
What Threats Does AFSIC Face?
- Intense competition from larger insurance providers.
- Regulatory changes affecting operational costs and compliance.
- Economic downturns impacting premium collections.
- Rising claims costs due to natural disasters and other unforeseen events.
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.
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 Dov Zyskind. AFSIC has traded publicly since 2014.
AmTrust Financial Services, Inc. (AFSIC) Valuation Context
Valued at $3.01B, AFSIC is classified as a mid-cap stock. Relative to its peer group, AFSIC's quantitative score of 50/100 is below the peer average of 66/100.
ROE -11%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.
F-Score 4/9Financial 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
- Recent insider buying suggests confidence in AmTrust's future, indicating that leadership believes in the company's growth potential.
- Community sentiment has shifted positively, with many investors expressing optimism about AmTrust's strategic initiatives and market positioning.
- AmTrust's recent announcements regarding improved underwriting practices have resonated well, enhancing trust among investors.
- The insurance sector's overall resilience in the current economic climate supports a bullish outlook for companies like AmTrust.
Bear Case
- Concerns about regulatory changes in the insurance industry have created uncertainty, impacting investor sentiment negatively.
- Recent discussions in the community highlight worries over AmTrust's competitive positioning against larger peers, raising doubts about market share.
- Some investors express skepticism regarding AmTrust's long-term profitability due to historical volatility in earnings.
- Negative sentiment has emerged around potential economic downturns, which could adversely affect AmTrust's premium growth and claims experience.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
AFSIC Latest News
No recent news available for AFSIC.
AFSIC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AFSIC.
Price Targets
Wall Street price target analysis for AFSIC.
AFSIC MoonshotScore
What does this score mean?
The MoonshotScore rates AFSIC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
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
- Disclosure Status: Unknown
- 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
What does AmTrust Financial Services, Inc. do?
AmTrust Financial Services, Inc. is a property and casualty insurance provider that offers a wide range of insurance products, including automobile, commercial auto liability, liability, products liability, marine, inland marine, multi-peril, and workers' compensation insurance. The company focuses on serving commercial clients and is known for its expertise in risk management.
What are the main risks for AFSIC?
AmTrust Financial Services, Inc. faces several risks, including regulatory challenges that could increase operational costs and compliance burdens. Additionally, intense competition from larger insurers may impact market share and profitability. Economic downturns can lead to reduced premium collections, while rising claims costs from natural disasters pose ongoing challenges.
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. The company utilizes data analytics to assess risk profiles and adjust pricing accordingly, ensuring that it remains competitive while adequately covering potential liabilities. This proactive approach helps mitigate financial exposure and enhances overall stability.
What are the key factors to evaluate for AFSIC?
AmTrust Financial Services, Inc. (AFSIC) holds an AI score of 50/100 (moderate). Not financial advice.
How frequently does AFSIC data refresh on this page?
AFSIC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated 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?
Valuing AmTrust Financial Services, Inc. (AFSIC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AFSIC?
Before investing in AmTrust Financial Services, Inc. (AFSIC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.