AMSF vs. PRU

Last updated Apr 1, 2026

Compare and contrast key facts about AMERISAFE, Inc. (AMSF) and Prudential Financial, Inc. (PRU).

Performance

AMSF vs. PRU - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in AMERISAFE, Inc. (AMSF) and Prudential Financial, Inc. (PRU). The values are adjusted to include any dividend payments, if applicable.

AMSF vs. PRU - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
AMSF AMERISAFE, Inc.	-12.13%	-20.78%	19.62%	-0.86%	6.13%	2.00%	-6.09%	24.48%	-6.63%	0.16%
PRU Prudential Financial, Inc.	-12.28%	0.18%	19.46%	10.09%	-3.86%	45.32%	-11.40%	20.10%	-26.46%	13.65%

Fundamentals

EPS AMSF : $2.47 PRU : $7.39
PE Ratio AMSF : 13.47 PRU : 13.23
PS Ratio AMSF : 2.00 PRU : 0.60
Total Revenue (TTM) AMSF : $317.29M PRU : $57.94B
Gross Profit (TTM) AMSF : $94.71M PRU : $17.33B
EBITDA (TTM) AMSF : $46.75M PRU : $3.52B

Returns By Period

The year-to-date returns for both stocks are quite close, with AMSF having a -12.13% return and PRU slightly lower at -12.28%. Over the past 10 years, AMSF has underperformed PRU with an annualized return of 2.05%, while PRU has yielded a comparatively higher 7.66% annualized return.

AMSF

• 1D: -1.27%
• 1M: 3.75%
• YTD: -12.13%
• 6M: -20.18%
• 1Y: -32.25%
• 3Y*: -4.51%
• 5Y*: -4.33%
• 10Y*: 2.05%

PRU

• 1D: 3.40%
• 1M: -0.70%
• YTD: -12.28%
• 6M: -3.29%
• 1Y: -7.86%
• 3Y*: 11.13%
• 5Y*: 6.03%
• 10Y*: 7.66%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

AMSF vs. PRU — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

AMSF

AMSF Risk / Return Rank: 5
AMSF Sharpe Ratio Rank: 1
AMSF Sortino Ratio Rank: 3
AMSF Omega Ratio Rank: 5
AMSF Calmar Ratio Rank: 7
AMSF Martin Ratio Rank: 7

PRU

PRU Risk / Return Rank: 29
PRU Sharpe Ratio Rank: 29
PRU Sortino Ratio Rank: 25
PRU Omega Ratio Rank: 25
PRU Calmar Ratio Rank: 33
PRU Martin Ratio Rank: 30

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

AMSF vs. PRU - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for AMERISAFE, Inc. (AMSF) and Prudential Financial, Inc. (PRU). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	AMSF	PRU	Difference
Sharpe ratio Return per unit of total volatility	-1.27	-0.29	-0.98
Sortino ratio Return per unit of downside risk	-1.79	-0.22	-1.57
Omega ratio Gain probability vs. loss probability	0.78	0.97	-0.19
Calmar ratio Return relative to maximum drawdown	-0.92	-0.30	-0.61
Martin ratio Return relative to average drawdown	-1.60	-0.75	-0.85
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

AMSF vs. PRU - Sharpe Ratio Comparison

The current AMSF Sharpe Ratio is -1.27, which is lower than the PRU Sharpe Ratio of -0.29. The chart below compares the historical Sharpe Ratios of AMSF and PRU, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	AMSF	PRU	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-1.27	-0.29	-0.98
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.18	0.24	-0.41
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.08	0.24	-0.16
Sharpe Ratio (All Time) Calculated using the full available price history	0.33	0.20	+0.13

Correlation

The correlation between AMSF and PRU is 0.40, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.

Dividends

AMSF vs. PRU - Dividend Comparison

AMSF's dividend yield for the trailing twelve months is around 7.74%, more than PRU's 5.58% yield.

	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
AMSF AMERISAFE, Inc.	7.74%	6.66%	8.69%	10.39%	10.08%	9.59%	7.97%	6.82%	1.55%	1.30%	6.37%	7.07%
PRU Prudential Financial, Inc.	5.58%	4.78%	4.39%	4.82%	4.83%	4.25%	5.64%	4.27%	4.41%	2.61%	2.69%	3.00%

Drawdowns

AMSF vs. PRU - Drawdown Comparison

The maximum AMSF drawdown since its inception was -40.90%, smaller than the maximum PRU drawdown of -88.53%. Use the drawdown chart below to compare losses from any high point for AMSF and PRU.

Drawdown Indicators

	AMSF	PRU	Difference
Max Drawdown Largest peak-to-trough decline	-40.90%	-88.53%	+47.63%
Max Drawdown (1Y) Largest decline over 1 year	-35.33%	-21.46%	-13.87%
Max Drawdown (5Y) Largest decline over 5 years	-38.52%	-33.11%	-5.41%
Max Drawdown (10Y) Largest decline over 10 years	-38.52%	-65.89%	+27.37%
Current Drawdown Current decline from peak	-36.21%	-19.58%	-16.63%
Average Drawdown Average peak-to-trough decline	-12.08%	-18.33%	+6.25%
Ulcer Index Depth and duration of drawdowns from previous peaks	20.21%	8.69%	+11.52%

Volatility

AMSF vs. PRU - Volatility Comparison

AMERISAFE, Inc. (AMSF) has a higher volatility of 7.97% compared to Prudential Financial, Inc. (PRU) at 6.63%. This indicates that AMSF's price experiences larger fluctuations and is considered to be riskier than PRU based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	AMSF	PRU	Difference
Volatility (1M) Calculated over the trailing 1-month period	7.97%	6.63%	+1.34%
Volatility (6M) Calculated over the trailing 6-month period	18.33%	16.79%	+1.54%
Volatility (1Y) Calculated over the trailing 1-year period	25.43%	27.18%	-1.75%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	24.30%	25.73%	-1.43%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	26.85%	31.85%	-5.00%

Financials

AMSF vs. PRU - Profitability Comparison

The chart below illustrates the profitability comparison between AMERISAFE, Inc. and Prudential Financial, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

AMSF - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, AMERISAFE, Inc. reported a gross profit of 0.00 and revenue of 81.59M. Therefore, the gross margin over that period was 0.0%.

PRU - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Prudential Financial, Inc. reported a gross profit of 5.54B and revenue of 17.95B. Therefore, the gross margin over that period was 30.9%.

AMSF - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, AMERISAFE, Inc. reported an operating income of 0.00 and revenue of 81.59M, resulting in an operating margin of 0.0%.

PRU - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Prudential Financial, Inc. reported an operating income of 1.78B and revenue of 17.95B, resulting in an operating margin of 9.9%.

AMSF - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, AMERISAFE, Inc. reported a net income of 10.42M and revenue of 81.59M, resulting in a net margin of 12.8%.

PRU - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Prudential Financial, Inc. reported a net income of 1.43B and revenue of 17.95B, resulting in a net margin of 8.0%.