The earnings call highlighted strong financial performance with significant growth in premiums and solid return on equity. There were some challenges with decreased investment income and an increase in large losses, but the company shows strong strategic management and growth potential.
Company Guidance
During the AMERISAFE Third Quarter 2025 Earnings Call, the company reported a 20.5% return on average equity and a combined ratio of 90.6% for the quarter, highlighting its robust financial performance. Voluntary premiums grew by 10.6%, contributing to a 7.2% increase in gross premiums written compared to the third quarter of 2024. Net income was reported at $13.8 million, or $0.72 per diluted share, with an operating net income of $10.6 million, or $0.55 per diluted share. The company's expense ratio improved slightly to 31.1% from 31.7% in the prior year. AMERISAFE's investment portfolio, with $817 million in investments, cash, and cash equivalents, saw a decrease in net investment income by 12.3% to $6.6 million. The Board declared a regular quarterly dividend of $0.39 per share and a $1 special dividend, with a strategy focused on rewarding shareholders while investing in future growth opportunities.
Strong Return on Equity and Combined Ratio
Achieved a 20.5% return on average equity and a 90.6% combined ratio for the quarter.
Voluntary Premium Growth
Voluntary premiums on policies written in the quarter grew 10.6%. Gross premiums written grew 7.2% and net earned grew 6.2% over the third quarter of 2024.
Favorable Reserve Development
Experienced $8.9 million of favorable reserve development on prior accident years, primarily accident years 2020 and prior.
Dividend Announcement
Declared both a regular quarterly dividend of $0.39 per share and a $1 special dividend.
Book Value Per Share Increase
Book value per share increased to $14.47, up 7.1% year-to-date.
Amerisafe (AMSF) Earnings, Revenues Date & History
The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AMSF Earnings-Related Price Changes
Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Oct 29, 2025
$39.73
$39.94
+0.53%
Jul 24, 2025
$43.20
$45.83
+6.09%
Apr 29, 2025
$48.98
$45.69
-6.72%
Feb 26, 2025
$49.58
$49.55
-0.06%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Amerisafe (AMSF) report earnings?
Amerisafe (AMSF) is schdueled to report earning on Feb 25, 2026, After Close (Confirmed).
What is Amerisafe (AMSF) earnings time?
Amerisafe (AMSF) earnings time is at Feb 25, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.